| name | sar-filing |
| title | SAR Filing |
| description | Drafts FinCEN Suspicious Activity Reports (Form 111) for BSA/AML regulatory filing. Compiles subject identification, transaction timelines, red-flag analysis, and activity classifications. Use when a financial institution detects suspicious transactions requiring mandatory SAR filing, continuing activity reports, or BSA compliance documentation. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/sar-filing |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | white-collar |
| language | en |
SAR Filing
Drafts a FinCEN-ready SAR (Form 111) from transaction records, investigation files, and institutional data.
Prerequisites
Gather before drafting:
- Transaction records — amounts, dates, account numbers, instrument types
- CIP/KYC documentation — government IDs, SSN/TIN, beneficial ownership
- Investigation file — alerts, internal notes, employee observations
- Filer details — institution legal name, EIN, LEI, regulator, SAR contact
- Prior SAR history (continuing filings) — BSA IDs, filing dates
Quick Start
- Determine filing type: Initial / Continuing / Corrective
- Verify thresholds: ≥$5,000 (subject identified) or ≥$25,000 (no subject)
- Confirm deadline: 30 days from detection (60 if no subject identified)
- Draft sections in order below
- Run compliance checklist before submission
SAR Sections
1. Filing Header
| Field | Detail |
|---|
| Filing type | Initial / Continuing / Corrective |
| Institution | Legal name, EIN/LEI |
| Regulator | OCC / Fed / FDIC / NCUA / State |
| SAR contact | Name, title, phone, secure email |
| Detection date | When activity first identified |
| Filing deadline | 30 days (60 if no subject) |
| Prior BSA ID | If continuing: reference number + new trigger |
2. Subject Identification
Classify each party: Subject, Purchaser/Sender, Payee/Receiver, Other.
Individuals: Legal name, aliases, DOB, SSN/ITIN, address, government ID (type/number/jurisdiction/expiration). Foreign nationals: passport, citizenship, visa, high-risk jurisdiction nexus.
Entities: Legal name, DBAs, EIN, formation state/date, business nature, beneficial owners (≥25% ownership or substantial control).
Relationships: Document familial, business, signatory, nominee, or intermediary connections between parties.
3. Account Detail
For each account: number, type, open date, status (active/closed/restricted/frozen), holders/signers, stated purpose, baseline activity profile, and deviations triggering concern.
Include: branch contacts, prior compliance concerns, correspondent/MSB/processor relationships with fund-flow tracing, CIP/CDD/EDD procedures performed, closure details if applicable.
