I'm a compliance officer at a big bank.

I'm a compliance officer at a big bank. Our job is to look at large transactions to ensure money isn't being laundered, terrorist financed, etc. A lot of the time we'll deny an account or flag a transaction because of red flags: Husband and wife each making $100k a year with 5 kids, yet somehow they're able to afford to live in a multi-million-dollar house in the nicest part of town with 3 brand new exotic cars? A single person somehow has $300k to invest in a brokerage account? A small business somehow making $10 million a year and with 20+ employees is still eligible for a small business loan?<br><br>Just today, I saw a single person using a credit card to pay for their child to go to a $50k a year private school. There's just no feasible way these people aren't breaking the law somehow. My job is to flag these things. Usually, it turns out these people don't have jobs, or don't make very much. The only way they can afford their lifestyle is through some criminal activity. Most usually fraud, but we've caught quite a few drug dealers and even terrorist financing. <br><br>Just feels like these days, you can barely be middle class anymore. You either have to be upper class or you're living paycheck to paycheck.