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

The scenario in which a client pays a very large single premium deposit with a personal check typically would not be categorized as suspicious activity. This is mainly because single premium deposits can often be legitimate transactions, depending on the context and the customer's financial situation.

In contrast, the other scenarios involve behaviors or actions that raise red flags regarding potential Money Laundering activities. For example, structured transactions designed specifically to evade Currency Transaction Reports (CTRs) suggest an intent to conceal the source of funds. Similarly, a refusal to proceed with a transaction when informed that a CTR will be filed indicates an unreasonable concern or knowledge about regulatory requirements, often linked to illicit intent. Furthermore, inquiries about CTRs can imply that the customer is seeking ways to avoid triggering those reports, which can also signal suspicious behavior.

Thus, the nature of the large single premium deposit, when conducted with a personal check, lacks the same indications of potential illegal activity present in the other options.