What is another term for breaking transactions into smaller amounts to evade reporting?

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Breaking this down shows the idea of structuring: splitting a larger cash amount into smaller deposits to avoid triggering reporting. The term “Structured Deposits” directly describes deposits that have been arranged in a structured way to stay under reporting thresholds, which is the essence of evading reporting requirements like the Currency Transaction Report for cash transactions over a certain amount. In anti‑money laundering practice, such patterns are red flags and often lead to further scrutiny or a Suspicious Activity Report.

The other options don’t capture this technique. A pattern of frequent large transactions would itself draw attention and trigger reporting, not evade it. Insufficient information is just a data issue, and reluctance to furnish ID concerns identity verification rather than the method of splitting deposits.