1. Rachael Hyde AML and Sanctions Analyst
Suspicious Activity Reporting
Rachael Hyde AML and Sanctions Analyst

2. Suspicious Activity Reporting (SAR)
If you determine that an activity may be suspicious you should report it immediately!
Where is the SAR Policy and SAR form located?
Intrinsic Gateway
1. Go to resource centre
2. Go to Financial Crime
then Awareness
Examples of what could be reported
Benefit Fraud - when someone obtains state benefit they are not entitled
to or deliberately fails to report a change in their personal circumstances.
Fraud - an act of deception intended for personal gain or to cause a loss
to another party
Impersonation Fraud - when someone takes another persons identity to perform fraud or other criminal act
Money Laundering – Money obtained from certain crimes, such as
extortion, insider trading, drug trafficking, illegal gambling and tax
evasion.
Tax Evasion - Tax evasion often entails taxpayers deliberately
misrepresenting the true state of their affairs to the tax authorities
to reduce their tax liability and includes dishonest tax reporting, such as
declaring less income, profits or gains than the amounts actually earned,
or overstating deductions
Large amounts of cash coming from or going to a high risk country
no reasonable explanation
3. Click on Suspicious Activity Reporting
4. Open SAR Form
Useful contacts;
Sharon Trinder – Head of Financial Crime Anti Money Laundering Reporting Officer T:  
Rachael Hyde Annette Storey  T: 01793  T:
Jodie Reynolds Lindsay Palfreeman
T: T:

3. How to submit a SAR reporting form – action steps:
Things to remember
1. The SAR must be raised as soon as you
are suspicious.
2. The ultimate decision to report is yours and you
should not be influenced by another person’s views.
3. Once the report has been submitted, no
further discussions with anyone, except as
advised by the Financial Crime Team, are
permitted. Note: Tipping off is a criminal
offence in most countries
4. Do not indicate your suspicions on the
customer’s file or attach the SAR form to the file.
5. Please ensure that the SAR has all of the relevant
details and is clear and descriptive
(do not use jargon).
Step 1:
Obtain a SAR form from the Intrinsic Gateway
or contact the Financial Crime Team directly
Step 2:
Send the completed SAR form to the following
address
Within the ’s
subject write the client’s name.
If you determine that an activity may be suspicious you should report it immediately