[hakfoo]

That seems like absence of explanation is an explanation in and of itself.

If the bank can give you a straight answer, it's clearly not AML. If they start giving you no answer, it's presumably that. Id' expect if you were seriously in that game, that's one of the clear signs something's awry and you'd better start activating panic measures.

I'm also sort of confused about the concept of freezing accounts during an investigation. If it was late stage and they were saying "okay, shut it down, we'll be sending over the cops with the arrest warrant within an hour", that's one thing, but any sudden movement on accounts is likely to change the behaviour you're trying to monitor and document. The darkweb market seizures seemed smarter in that regard-- they let some of them run with no obvious changes so they could gather data, only taking it down once the case was completely built.

[simplecomplex]

I don’t even know what agency in the government did this. Or that I was part of an investigation. Or anything. Different people at different positions in the bank would say the same thing “the computer says your account is flagged” “the system says your social security number is flagged” etc. When I would ask what “flagged” means they would just repeat nonsensical shit. All they would really tell me is that they had no control because a government system had flagged it.