[Opsec] Will depositing ~1k USD a week into my bank account cause suspicion?

Is 1000 USD a week or 4000 USD a month being deposited into a bank account enough to raise suspicion from either my bank or LE if I don't have a job? This is only semi-relevant to dnm's, but I'm not sure where else to ask about this.


Comments


[21 Points] None:

Start a small home based business like computer repair or consulting. Make phony receipts and shit and PAY TAXES ON THE MONEY. That is the most important part of laundering money.


[4 Points] testingtestingthis:

Where are you depositing it from?


[2 Points] None:

I guess it depends on your country, but I'd imagine you'd be more likely to get into trouble with the tax man than anyone else


[1 Points] None:

[deleted]


[1 Points] 2shitstained:

tl;dr, yes but it depends how good your bank is at detecting what you're doing

OP your main risks here are running into programs looking for "structuring" https://en.wikipedia.org/wiki/Structuring which will cause a BSA/AML person to look at your account. an employee looking at your account for some other reason (suspected fraud, you need to wire money, etc) might also see the transactions and become suspicious. the AML people will see that you are getting 50k a year deposited with no source of income or wealth and submit a report to FinCEN. now, FinCEN is concerned with the big dogs (terrorist financing, drug lords, crime syndicates etc) and they're almost certainty not going to waste their time following up on you, but your bank might close your account anyway. i'd follow some of the other advice re: hiding your activities because every single US bank is 100% for sure looking for what you want to do.

also if you personally have any sort of background that might make you more suspicious to the bank (non citizen, felonies etc), your chances of being discovered go way up


[1 Points] Darknet_Retard:

I've known multiple people to do this for periods of about 6 months with no problems. It also helps if you claim some monetary gifts on your taxes or are a student. You should be fine if it's not for an extended period of time and you don't continue doing it if you are asked any questions by your bank or the IRS.


[1 Points] SpaceExplora:

https://www.ffiec.gov/bsa_aml_infobase/pages_manual/OLM_015.htm

You should really read up on US money laundering policies and prevention methods. Knowing this information and following advice about running a home business (receipts, taxes, etc) will go a very long way towards keeping you safe. Funny as it might seem, paying taxes and keeping 'business' records and making sure that all seems legit is much safer than trying to keep it all quiet.

IMO it's also a good idea for people around you to know that you have a second job/home business as well. You can tell them that you'd prefer not to have them refer people to you to fix their computer (or whatever your business is) because it can create personal conflicts and you prefer to keep work and personal life separate.


[1 Points] throwawayk5zq47j6wd3:

They report anything above 9,999.99 dollars, not 999.99 dollars.

You're completely fine, that's not that much cash tbh. Keep at the grind though, it's much more than a lot of people.


[-8 Points] imnotfrosty:

Computer programs don't get suspicious, because they can't. They can, however, keep track of lots of different things, find relations between them and guess at what they might mean.


[-7 Points] peterfreakinpan:

Bank doesnt care where it came from, as long as they have it