Replay of a real run — captured 2 Jul 2026
Sift
Alert Triage Agent
Every step below is a real trace event from the signed run ledger.
sc-sift
Transcript
I'll kick off by pulling the alert and then fan out to gather all the context I need in parallel.
Step 1 — Read the alert
Step 2 — Parallel fetch: customer profile, flagged transactions, and prior alerts
Step 3 — Analysis
Here's what the evidence shows:
| Factor | Finding |
|---|---|
| Scenario triggered | Structuring |
| Transaction pattern | 4 cash deposits in 5 days: $9,200 / $9,500 / $8,900 / $9,700 — every single one sub-$10k, totalling $37,300 |
| Branch spread | At least two distinct branches (T6002 memo: "diff. branch"); T6003 uses ATM channel |
| Customer type | B2B auto-parts wholesaler; expected activity = card settlement + supplier ACH — no cash-intensive element documented |
| Profile fit | fail Cash deposits of this nature are inconsistent with a wholesale trade profile |
| Prior alerts | None — but absence of history does not clear structuring activity |
Red-flag assessment:
- ✅ All amounts kept just below $10,000 (range: $8,900–$9,700) — classic CTR-avoidance band
- ✅ Multiple branches / channels within a compressed 5-day window — textbook cross-branch structuring
- ✅ Aggregate ($37,300) far exceeds the threshold that would have triggered a single CTR
- ✅ No documented business rationale for cash receipts; wholesalers overwhelmingly settle via ACH/wire/card, not cash
- ✅ Medium risk-rated business with no explanation on file
This is an unambiguous structuring typology with a clear profile mismatch. There is no benign explanation I can construct from the available facts. Escalating.
Step 4 — Record triage decision
The decision brief
Triage Summary — Alert A1 | Greenfield Auto Parts (C6)
Disposition: ESCALATE | Risk Score: 0.88 / 1.00
What fired
Four cash deposits ($8,900 – $9,700) across multiple branches over five days — all sub-$10,000, aggregating to $37,300.
Why this escalates
- Classic structuring pattern — every deposit sits in the $8,900–$9,700 band, a hallmark of deliberate CTR-avoidance. The combined total ($37,300) would have required CTR reporting if deposited in fewer transactions.
- Cross-branch / multi-channel execution — at least two branch locations and an ATM used in five days, a recognised structuring technique.
- Profile mismatch — the customer is a B2B auto-parts wholesaler; KYC documents expected activity as card settlement and supplier ACH. There is no documented cash-intensive business rationale.
- No mitigating history — no prior alerts exist, but this does not explain or normalise activity that is structurally inconsistent with the business profile.
Reason codes
structuring · sub-threshold-cash · cross-branch · profile-deviation · cash-inconsistent-with-wholesale-profile
Recommended next step
Route to L2 Investigations for EDD: obtain a source-of-cash explanation, review full account history for additional sub-threshold deposits, assess SAR filing obligation, and conduct a CTR look-back review.