Which element is NOT typically a red flag for money laundering schemes according to Mary?

A securities account with consistently routine activity is considered the correct answer because such activity does not typically raise concerns or suspicion regarding money laundering. In fact, routine activity signifies that the account is being used in a conventional manner, which is expected in financial transactions. This type of behavior, marked by predictability and stability, does not indicate an attempt to obfuscate the origins or purposes of funds.

In contrast, other options present behaviors or elements that are more likely to trigger scrutiny. Multiple transactions crossing governmental jurisdictions can indicate an attempt to disperse funds to evade detection, and unusually large account activity may signal a sudden change in behavior that is inconsistent with the account's normal operations, both of which are red flags. Having a facilitator involved can suggest that third parties are assisting in making the laundering process smoother, which often points to planned criminal activities. Therefore, it is the routine nature of the transactions in a securities account that makes it less likely to be flagged for money laundering.