Lesson 34 introduced AML transaction monitoring at the surface level. This lesson zooms in on TWO specific patterns your engine has to detect: STRUCTURING (a single user splits one large transaction into many small ones to stay under a reporting threshold) and SMURFING (multiple users coordinate to do the same, many small inbounds to a single beneficiary). Both are LITERAL crimes (BSA in the US, similar in CBN guidelines). Your monitor needs windowed aggregates and graph queries. The DECISION it produces, flag, hold, or pass, drives ledger entries that move flagged-user funds into the AML-Hold bucket pending review.