But, just transferring sums that add up to $10k+ over a few days in the normal course of business is not. I've had several occasions in my life/business where I

But, just transferring sums that add up to $10k+ over a few days in the normal course of business is not. I've had several occasions in my life/business where I've done just that. It would be up to the government to connect that to other patterns that point to illegal activity I would think (or, your bank might grill you on it, since they've been put in the position of policing their customers). My bank has asked me why I was sending several thousand dollars a month to someone in Croatia or Russia (I've worked with contractors over a long period of time in both places), but they didn't make it particularly painful to do so, other than the large-ish money transfer fees US banks normally impose. Merely moving money around for legal purposes is not a crime, even if it adds up to $10,000 in some specific period of time, but it might get your account flagged in some way, is what I'm trying to say.