I don't know if my colleague will have an opinion because she is responsible for the group doing the reviews. I'm not imputing bad faith. It may be a question of wanting to do the right thing, acting in good faith, and informing a government institution of what they believe is suspicious. Training may be part of it. Are financial institutions properly training? I know there is training, but what we see objectively on the ground is some level of over-reporting by the financial institutions.
Do you have anything else?