CTR, SAR, Form 8300, LCTR, STR, and LVCTR — what each report is for, and what a pre-file validator should emphasize for each type.
Regulators do not collect “AML data” as one blob. Each report type answers a different risk question. FIU Ready should mirror that, not flatten everything into a generic schema.
FinCEN
- CTR — Currency Transaction Report: cash in/out at thresholds; strong on party/location totaling and person-type exclusivity.
- SAR — Suspicious Activity Report: narrative and subject/institution structure; activity characterization and continuing-activity fields matter.
- Form 8300 — cash received in trade or business over the reporting threshold; identity and transaction completeness dominate.
FINTRAC
- LCTR — Large Cash Transaction Report: cash details, conductors/beneficiaries, disposition codes, and threshold indicators.
- STR — Suspicious Transaction Report: method codes, account/reference consistency, and suspicion detail structure.
- LVCTR — Large Virtual Currency Transaction Report: VC addresses, amounts in CAD, and completing-action completeness.
AUSTRAC TTR / SMR / IFTI follow Australian statutory content rules in this product. Threshold floors (for example the AUD $10,000 TTR definition) are report definitions — not a rolling 24-hour aggregator built into the engine.