Tellers at a regional bank must be trained to recognize structured cash deposits and unusual transfers that could be hiding the proceeds of crime or funding terrorist groups, and to escalate them appropriately. Which compliance training topic does this describe?

Anti-money laundering and counter-terrorism financing training teaches staff to recognize transactions that disguise the origin of criminal proceeds or move funds to support terrorism, and to report them through the proper channels. Indicators include structuring deposits to stay below reporting thresholds, rapid movement of funds through multiple accounts, and transactions inconsistent with a customer's profile. Financial institutions commonly face regulatory requirements to provide this training and to file reports of suspicious activity, so it is a core compliance training topic. Anti-bribery training addresses offering or accepting anything of value to improperly influence a decision, such as payments to officials or kickbacks from suppliers; it does not focus on detecting laundering patterns in customer deposits. Data handling training covers how to classify, store, transmit, and dispose of sensitive information such as account and card data; it protects confidentiality rather than detecting illicit fund flows. Social engineering awareness teaches staff to resist manipulation through phishing, vishing, and pretexting; it guards against fraud aimed at the bank but not against customers laundering money through it. Exam caveat: completion evidence for this training often matters to regulators as much as content. Operational check: confirm every teller has completed current AML/CTF training and knows the internal escalation path for suspicious activity.