Which of the following would NOT be considered a suspicious activity by a compliance manager?

The choice indicating a client paying a very large single premium deposit with a personal check would not typically be considered suspicious activity by a compliance manager. This action can be seen as a legitimate financial transaction, especially if the source of funds is clear and the transaction aligns with the normal business practices of the client. Large deposits can occur for various legitimate reasons such as investments, insurance premiums, or other capital arrangements.

In contrast, the other scenarios indicate behaviors that often align with money laundering red flags. For example, structured transactions to avoid Currency Transaction Reports (CTRs) suggest an intention to evade regulatory scrutiny. Similarly, a customer expressing a reluctance to proceed with a transaction that involves a CTR may indicate awareness of and attempts to bypass legal reporting requirements. Lastly, asking questions about CTRs can imply a customer’s attempt to understand how to avoid detection, which also raises suspicion. Thus, the nature of the transaction in this instance does not inherently demonstrate suspicious behavior.