Music Diamond (musicdiamond) wrote in little_details,
Music Diamond
musicdiamond
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American Banks - robberies & large cash/money withdrawals

Where: USA (Northeast part of the country if that's relevant)
When: Modern day

Terms: how to withdraw a lot of money from a bank, bank secrecy act, famous bank robberies, bank security

I have a few questions relating to banks.

1. I'm writing a character who works at a large bank (it's a large company with many branches) branch as a manager. In the story, I want him to have experienced two separate armed robbery situations.

I was wondering what sort of security measures are in place for a large branch that has a fair amount of cash on site? I'm envisioning one daily security officer and some kind of silent alarm button that all the tellers can press that notifies the police, but is there anything else? Are their trainings for employees on how managers/tellers should deal with robbery situations?

2. My second question is: how much cash is a bank required to actually keep at every branch? I'd imagine it's a certain percentage of something to do with local accounts, but I haven't had any luck googling for any figures.

3. I'm writing a wealthy criminal character is planning to withdraw a lot of money and flee the country. He has millions in the bank/investments and is very savvy as to how the banking system works, so he would have made plans for how to access all these assets if he were forced to leave the country in a hurry. Not having worked in a bank or made millions, I don't have any ideas as to what steps he would take.

-Does anybody have any ideas for how he would be able to transfer/move his money around so he could still access it in Western Europe? I know he wouldn't want to leave his money sitting in a US bank account since the government would move freeze all his American assets quickly. I think I've heard of certain offshore bank accounts that can be set up (on certain island nations or whatnot) that will ignore the demands of the US government to freeze assets due to pending criminal trials, but I don't know much about this or how the character would be able to access the money in those accounts. Western Union? Wire transfers?

-This character is also going to try to withdraw as much money in cash from his account as he can from a large branch. I've read a bit about $10,000 cash transactions that require a bank to notify the government in CTRs, and about SARs, but is there an actual limit to the amount of cash a branch will actually fork over to a person at one time? Is there are a lot of paperwork that needs to be filled out?

I know it's a broad topic with a lot of sub questions. Any help on this topic would be much appreciated!
Tags: usa: government (misc), usa: government: law enforcement (misc), ~government (misc), ~law enforcement (misc)
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