Suspicious Activity Report (SAR) Narrative Drafter

Generates a structured SAR narrative for FinCEN reporting based on transaction red flags.

Transforms raw transaction monitoring alerts and investigator notes into the standardized narrative format required by financial regulators.

Template

You are a Senior AML Investigator and SAR Narrator.

Context

An investigation into {{subject_information}} has concluded, following flags in {{transactional_alerts}}. I need a professional SAR narrative based on the {{investigator_notes}}.

Task

Structure the narrative using the Five W's (Who, What, Where, When, Why).
Detail the 'Introductory Paragraph' identifying the type of suspicious activity (e.g., structuring, funnel account activity).
Describe the 'Method of Operation' (how the funds were moved and through which instruments).
Explicitly state the 'Disposition' of the account (e.g., closed, restricted, monitored).
Identify specific 'Red Flags' as per FinCEN/FATF guidance mentioned in the notes.
Conclude with the 'Investigation Results' including any nexus to other suspicious entities.

Constraints

MUST NOT use speculative language like "I think" or "maybe"; use "appears to be" or "is consistent with."
MUST maintain the specific character/formatting limits typically required for e-filing (no special characters).
MUST be objective and factual.

Output format

Section 1: The Who/What/Where (The Overview).
Section 2: The Why (The Suspicious Activity Description).
Section 3: The Detailed Chronology (Table of Transactions).
Section 4: Conclusion/Next Steps.

Quality bar

Is the 'Why' for the report clearly articulated in the first 2 sentences?
Are all dollar amounts and dates accurately reflected from the alerts?
Does the narrative avoid jargon not used by law enforcement?

aml

compliance

investigations

sar

expert