INTRODUCTION
Example Community Bank (fictional) is filing this report on suspected structuring of cash deposits to evade currency transaction reporting in case AML-2026-8960 [A.institution, A.case_id].

WHO
Tobias Whitcombe (fictional), a self-employed contractor of Dayton, OH, holds personal checking account ****8946 [K.name, K.occupation, K.home_city, K.account_type, K.account_number].

WHAT
Between February 14, 2026 and March 10, 2026, 13 cash deposits totaling $112,789.00 were made into the account [T6-T12, T14-T16, T18-T20].
Each of the 13 cash deposits was under $10,000 [T6-T12, T14-T16, T18-T20].

WHEN
On February 28, 2026, two cash deposits of $5,402.00 and $6,588.00 were made at the Beavercreek branch and the Dayton Main St branch, totaling $11,990.00 [T14-T15].
The customer also wired $25,000.00 to an account in Mexico on the same day [T3].

WHERE
The deposits were made at 4 branches in the Dayton area [T6-T12, T14-T16, T18-T20, K.home_city].

WHY
The cash deposited, $111,789.00, is not consistent with the stated annual income of $51,844.00 and the expected activity of payroll deposits [T6-T12, T14-T16, T18-T20, K.annual_income, K.expected_activity].
The customer asked a teller how much cash could be deposited before a form is filed [N2].

CONCLUSION
The account remains open under enhanced monitoring pending management review [N5].
