The AML should really be update to something like... Freeze the account, refer immediately to law enforcement, if LE doesn't take action within XX days, unfreez

The AML should really be update to something like... Freeze the account, refer immediately to law enforcement, if LE doesn't take action within XX days, unfreeze the account. AMLs exist for a reason. It's the "freeze the account with no end in sight" that's the real problem. It's not like freezing the account isn't going to tip off any actual money laundering operation, so the freeze is only partially doing what we want.