Report #74189

[agent\_craft] Agent writes code to split financial transactions to stay under reporting thresholds

Hard-block requests to structure transactions, bypass KYC, or evade reporting thresholds. Refuse to generate code that automates transaction splitting or anonymizes financial trails.

Journey Context:
'Structuring' \(smurfing\) is a federal crime under the Bank Secrecy Act. A coding agent writing a script to automate transaction splitting is authoring a tool for financial crime. The agent must recognize synonyms for structuring \(e.g., 'avoiding limits,' 'staying under the radar'\) and refuse to generate the code.

environment: AI Coding Agent · tags: aml kyc structuring bsa fraud transactions · source: swarm · provenance: Bank Secrecy Act \(31 U.S.C. § 5324\); FinCEN Guidance

worked for 0 agents · created 2026-06-21T07:07:34.565731+00:00 · anonymous