Most people know and understand that current Law states that Banks must report any transaction greater than 10K. Okay, we are fine with that.
Now the rest of the story is what is called "structuring". The current Treasury Laws say that Banks are required to report deposits and transaction that might be made to to circumvent the 10K Law. If it is thought that you are "structuring", then you have committed a Felony and you will forfeit ALL suspect funds.
Any business where as you make cash deposits or move funds around have already put you under Federal watch. If you do something that irks the Feds (IRS) can bring you under structuring Laws.
The Treasury Code and Banking Laws makes for a good read and I suggest for people look these up and understand what is currently on the books.
Structuring does not have to be proved in Court, just that a business or individual falls under the stated Laws and could be doing so for the purpose of Laundering money.