Training › Operations Team Path
Operations 2 Required · 2 Recommended ~2.5 hours total

Operations Team Learning Path

Operations staff process transactions, handle onboarding, and execute daily controls. This path focuses on the BSA and OFAC issues you'll encounter directly — what requires escalation, what constitutes a CTR trigger, and when to hold a transaction for review.

Key Principle for Operations Staff
Your role is to identify and escalate — not to independently determine whether a SAR is filed. When in doubt, escalate to your compliance team rather than making a judgment call on suspicious activity.
Your Required Modules
  • BSA Fundamentals — Required
  • OFAC Screening — Required
  • AML Typologies — Recommended
  • SAR Procedures — Recommended
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1
REQUIRED
Module 1: Bank Secrecy Act (BSA)
Key lessons for operations:
  • Lesson 1.3 — CTR triggers, including aggregation rules
  • Lesson 1.4 — SAR thresholds and tipping-off prohibition
  • Lesson 1.2 — Customer identification requirements at onboarding
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2
REQUIRED
Module 2: OFAC Screening
Key lessons for operations:
  • Lesson 2.2 — What to do when the system flags a potential match
  • Lesson 2.3 — Blocked vs. rejected transaction procedures
  • Lesson 2.1 — Why the 50% rule matters for business account onboarding
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3
RECOMMENDED
Module 3: AML Transaction Monitoring
Understanding what the compliance team monitors helps you recognize patterns proactively. Focus on Lesson 3.2 (typologies) — structuring, smurfing, and funnel accounts are patterns you may encounter daily.
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4
RECOMMENDED
Module 4: SAR Filing Procedures
Operations staff don't file SARs, but understanding what happens after you escalate — and why the tipping-off prohibition is strict — is valuable context. Focus on Lesson 4.1 (filing triggers) and the tipping-off Do/Don't grid in Lesson 4.2.
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Escalation Quick Reference for Operations
Situation Your Action Do NOT
OFAC screening hit on a transaction Hold transaction, escalate to compliance immediately Process without compliance review
Customer deposits cash ≥ $10,000 Collect required ID, initiate CTR in your system Tell customer a report is being filed
Customer asks you to break up a large deposit Decline, document, escalate — this is structuring Comply with the customer's request
Customer behavior seems suspicious but below thresholds Document observations, escalate to compliance Make your own judgment about whether a SAR is needed