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ACFE CFE-Law Exam - Topic 1 Question 73 Discussion

Country A's government requires financial institutions to report all instances of a customer depositing or withdrawing more than $10,000 in a day. To avoid attention regarding his illicit assets, James deposits $9,000 each day. In which of the following schemes is James engaging?
D) Structuring scheme
A) Mobile payment scheme
B) Integration scheme
C) Reverse deposit scheme

ACFE CFE-Law Exam - Topic 1 Question 73 Discussion

Actual exam question for ACFE's CFE-Law exam
Question #: 73
Topic #: 1
[All CFE-Law Questions]

Country A's government requires financial institutions to report all instances of a customer depositing or withdrawing more than $10,000 in a day. To avoid attention regarding his illicit assets, James deposits $9,000 each day. In which of the following schemes is James engaging?

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Suggested Answer: D

by Lai at Apr 09, 2026, 01:59 PM

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Felicidad
1 month ago
Yeah, he’s manipulating the system. Structuring is the answer!
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Gerald
1 month ago
It’s smart but illegal. He’s trying to hide his money.
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Dominga
1 month ago
I agree, structuring fits best here.
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Bettyann
2 months ago
Right! He’s breaking it down to stay under the radar.
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Penney
2 months ago
Definitely! It's called structuring.
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Adelina
2 months ago
This is a tricky question. I think it's about avoiding detection.
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Franklyn
2 months ago
Just to clarify, structuring is definitely illegal in most places.
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Quentin
2 months ago
Yeah, but isn't there a risk of getting caught?
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Jonell
2 months ago
Wait, is that really illegal? Seems kinda sneaky but not too bad.
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Dusti
4 months ago
Totally agree, that's classic structuring to avoid reporting.
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Tracie
4 months ago
He's definitely using a structuring scheme.
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Thea
5 months ago
I think it's definitely structuring. The question mentions avoiding attention, which fits with that scheme.
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Luisa
5 months ago
I’m a bit confused. Is structuring the same as smurfing? I feel like I’ve seen both terms used in similar contexts.
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Skye
5 months ago
I remember a practice question about money laundering where someone was breaking up deposits to stay under a limit. That sounds like what James is doing here.
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Amira
5 months ago
I think this might be related to structuring, but I'm not entirely sure. It sounds like he's trying to avoid the reporting threshold.
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