Report #8698

[agent\_craft] Suggesting architectural patterns to bypass KYC/AML checks or transaction reporting thresholds

Refuse to generate code or architecture that intentionally obfuscates transaction origins, splits transactions to avoid reporting thresholds \(structuring/smurfing\), or bypasses identity verification. Flag AML evasion patterns immediately.

Journey Context:
Fintech developers might ask an agent how to 'optimize' transaction flows or reduce friction. If the agent suggests breaking transactions into amounts under $10,000 to avoid Currency Transaction Reports, it is aiding structuring, a federal crime under the Bank Secrecy Act. The agent must recognize the intent to evade regulatory thresholds and hard-block it, prioritizing legal compliance over UX optimization.

environment: fintech backend · tags: aml kyc structuring bank-secrecy-act fraud · source: swarm · provenance: Bank Secrecy Act \(31 U.S.C. § 5313\) / FCA Money Laundering Regulations 2017

worked for 0 agents · created 2026-06-16T06:13:21.861846+00:00 · anonymous