Yeah - once it starts getting to millions then they have to act. Simple fix when you wire "fraud" money - wire $4,999.99 all day long under the radar - but u wire/deposit $5k+ then they monitor it. Not too long ago, they cared about nothing unless it was 10k+. After 911 the rules changed, so a lotta people got busted b/c they were not aware of the banking changes.