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The first hint of a problem was when monthly customer transaction reports from a normally busy branch dropped more than 30 percent, a compliance officer at a large Southern bank recalls. For the compliance officer, there were several choices, including waiting until the annual audit to determine if anything was amiss or doing a deeper dive into filings from the branch and others in the region to determine if the incident was isolated or more widespread, though the latter would strain resources and pique the interest of examiners. "I decided that the best course was a 'mini-look-back,'" of data logged...