Money laundering risks arise when transaction patterns are inconsistent with a business's expected activity.
Option D (Correct): Multiple cash deposits in different branches is a known structuring (smurfing) technique, used to evade cash transaction reporting thresholds.
Option A (Incorrect): Depositing into both checking and savings accounts is normal behavior.
Option B (Incorrect): Irregular incoming payments may require further review but are not inherently suspicious.
Option C (Incorrect): Industry-related expenses (e.g., conference tickets) are normal business activity.