According to the ACAMS CAMS Study Guide, one of the common methods of money laundering and terrorist financing is to structure transactions to avoid reporting or record keeping requirements. Structuring involves breaking down a large amount of cash into smaller transactions that fall below a specified threshold, or using different accounts, agents, locations, or days to conduct the transactions. Therefore, the fact that the two customers remit the same amount of funds, $2,500, each week to the same recipient in a high-risk country is a red flag for possible money laundering or terrorist financing activity, as it suggests that they are trying to evade the record keeping threshold of $3,000 for money transmitters in the United States12.
References:
ACAMS CAMS Study Guide, 6th Edition, page 27
FFIEC BSA/AML Appendices - Appendix F - Money Laundering and Terrorist Financing Red Flags1 AML Red Flags - What are the Top 10 Indicators? - ComplyAdvantage2