SAR Narrative Sample (Fictional)

This sample illustrates how I documented suspicious activity, using a neutral tone for compliance review and audit purposes.

The customer is an individual retail account holder with a low-risk profile at onboarding and consistent historical activity. 

The account had been open for approximately two years with regular deposit and withdrawal activity. 

The activity was identified during routine transaction monitoring. 

Between April 3 and April 7, the customer made five cash deposits ranging from $8,100 to $9,400. 

The deposits occurred over five consecutive business days at different branch locations. 

The total amount deposited during this period was $44,600. 

This pattern did not align with the customer’s prior transaction history, which showed infrequent cash activity and lower deposit amounts. 

The frequency and amounts of the deposits increased overall risk. 

Amounts appeared consistently below common reporting thresholds. 

No clear business purpose for the deposits was identified from available account information. 

Multiple risk indicators were present within a short period of time. 
Due to the change in activity and the deposit pattern, the matter was escalated internally for further review. 
The activity was documented to support escalation and further assessment.