It’s automated. The teller checks a box and the form auto populates and the CTR gets filed with FinCEN.

If the bank software or the teller suspects anything suspicious, a second form (SAR) gets filed with FinCEN.

Both forms get electronically sent to the Treasury FinCEN office in Detroit (or wherever the Treasury servers are located). The server files it in a digital filing cabinet where its promptly indexed and ignored.

FinCEN likely has an AI pattern recognition layer that trolls the index for patterns. If one is discovered, software likely alerts an analyst/investigator.

18 or so million CTR’s get filed per year, along with 3 million or so SAR’s. The first 3 layers of review are all gonna be software.