Which suspicious activity requires immediate notification of law enforcement authorities?

• A. A routine wire transfer between friends
• B. A cash deposit of $800
• C. An incoming transfer from a family member
• D. A violation of federal law involving funds of $25,000 or more, regardless of whether a suspect can be identified

Answer: (D)

The main idea is that certain red flags require urgent escalation to law enforcement, especially when there’s a known or suspected violation of federal law involving substantial funds. When funds involved exceed 25,000 dollars, and a federal-law violation is suspected or identified, the proper action is to notify authorities immediately because this points to potentially serious criminal activity that may need swift, direct intervention, even if you can’t identify a specific suspect.

The other scenarios describe ordinary or smaller-scale activity: a routine wire transfer between friends, a cash deposit of 800 dollars, or an incoming transfer from a family member. None of these by themselves signals an immediate law enforcement obligation; they are typical transactions that would be reviewed under standard AML monitoring and may lead to further reporting if suspicious, but they do not automatically require immediate police notification.