Which of the following are red flags pertaining to potentially suspicious transactions by a customer? (Select Three.)

Depositing a large number of consecutively numbered money orders is a red flag for structuring, as it suggests funds were deliberately broken into smaller increments to avoid triggering currency transaction reporting thresholds.

Loans made to local companies or secured by local bank obligations are standard commercial banking activities and do not by themselves constitute suspicious behavior.

Regular deposits and withdrawals via wire transfers, without other qualifying indicators, reflect normal business or personal banking behavior and are not inherently suspicious.

Receiving wire transfers from multiple unknown accounts that are immediately wired out is a classic indicator of layering - a core phase of money laundering designed to move and obscure illicit funds rapidly across accounts.

Withdrawing cash in amounts just below the reporting threshold is the textbook definition of structuring, a federal crime under the Bank Secrecy Act that must be reported as a suspicious activity regardless of the underlying funds.