Which of the following describes 'structuring' as a tactic in money laundering?

The tactic of 'structuring' in money laundering refers to the practice of breaking up large amounts of cash into smaller, less suspicious deposits. This method is employed to avoid detection by financial institutions and regulatory agencies that monitor large transactions for potential illicit activity. By fragmenting the funds into smaller amounts, the launderer aims to escape reporting thresholds that trigger scrutiny, thus making it less likely that their activities will be flagged as suspicious.

In the context of money laundering, this operational strategy helps the individual maintain a lower profile and blend in with ordinary banking activities. It is a critical technique used to obscure the source of illegally obtained money by creating the illusion that the smaller transactions are legitimate and routine.

This focus on making smaller deposits contrasts with the other options provided, which do not align with the definition of structuring as typically discussed in money laundering practices. For instance, consolidating transactions into one large deposit runs counter to the intent of avoiding attention, while investing in high-value assets or using multiple bank accounts may serve different purposes in a broader laundering strategy but do not specifically refer to structuring.