When it comes to overseas bank account operations, especially involving large transactions, my painful lesson is: always ask AI first.

I initially wanted to send a USD transfer to my cousin and came up with a "genius plan"—transfer from Bank A to my own account at Bank B, then from Bank B to my cousin's peer account, with all transfer amounts kept below 99,999 to avoid risks. Sounds perfect in logic? But in the end, I didn't avoid any pitfalls.

Later, I realized that such operations are seen as "structuring transactions" by anti-money laundering review systems, which are especially likely to trigger risk alerts. What seems like a clever splitting method is actually digging a hole for yourself.

So now, my advice is: if you're unsure, have ChatGPT or Gemini review it for you. These two "experienced doctors" can give you a compliance check, helping you avoid many detours. When it comes to large transfers, asking one more question is always better than dealing with trouble afterward.