[ypzhang2]

Effectively, its all just based on what indicators have a sufficient signal-to-noise ratio. If the signal-to-noise is high enough for any detectable behavior, then it can become a SAR.

You can absolutely have a public forum to share tips on how to stop this from happening. Just know that said public forum will be mined by money launderers and fraudsters and whatever work around is posted will most likely fail to work within months.

You have to imagine that the banking system exists in an adversarial environment with money-launderers and fraudsters. And instead of code that will always do whats written, the interface is a squishy human for a majority of these interactions.