Smurfing Problem Solutions: Effective Strategies for Fair Play

Updated On: August 23, 2025 by   Aaron Connolly   Aaron Connolly  

Understanding the Smurfing Problem

Smurfing really messes with fair play. Skilled players use alternate accounts to stomp weaker opponents, and it just ruins the vibe for everyone.

This practice chips away at competitive integrity and leaves players at all skill levels feeling frustrated.

Definition of Smurfing

Smurfing happens when experienced players make new accounts or use low-ranked ones to play against less skilled folks. These smurf accounts trick matchmaking systems into thinking they’re less skilled.

The term “smurfing” actually came from two pro players who called themselves “PapaSmurf” and “Smurfette.” They wanted to hide their identities and just play without being recognised.

Games like League of Legends and Valorant see this a lot. Smurfs dodge the matchmaking system by intentionally losing placement matches or throwing games to stay at lower ranks.

There are really two main types of smurfing. Some players just want a fresh start or new rewards. Others, though, purposely stay at low ranks to dominate less experienced players, and that’s where things get ugly.

History and Origins

Smurfing in League of Legends took off as the ranked system got more complex. Early matchmaking just couldn’t keep up when experienced players hopped onto new accounts.

Back in the late 1990s, as online gaming grew, skilled players looked for ways around skill-based matchmaking.

At first, pro players made smurf accounts for decent reasons. They’d test out new strategies without risking their main account’s rank. Content creators did the same to show off gameplay at different skill levels.

But as free-to-play games exploded, making new accounts got way too easy. All you needed was a fresh email address. That convenience basically opened the floodgates for smurfing in every big competitive game.

How Smurfing Works

Players start by creating new accounts and tanking their placement matches on purpose. That way, they end up in lower-ranked games they don’t belong in.

Smurf accounts take advantage of matchmaking algorithms that depend on past performance. New accounts don’t have that history, so the system can’t judge skill accurately at first.

Some smurfs get clever and throw games just enough to keep their low rank. They’ll win a few to have some fun, then lose on purpose if they get too close to their real skill level.

Detection systems have a tough time with this. Smurfs blend in with real new players, and even when developers add phone verification or hardware checks, determined players usually find a way around it.

This creates a weird cycle. Frustrated players sometimes make their own smurf accounts to avoid getting stomped, which just keeps the problem alive.

Why Do Players Smurf?

Players turn to smurf accounts for all sorts of reasons—wanting to play with friends, dodging the stress of ranked games, or just looking for a change. If you look at the motivation behind it, you start to see why smurfing sticks around even though it’s bad for the gaming community.

Motivations for High-Ranked Players

High-ranked players sometimes feel boxed in by their own success. Once you hit Diamond or Immortal in Valorant or League, every match feels like it’s life or death for your rank.

Playing with friends? That gets tricky. The matchmaking system blocks big rank gaps, so a Radiant player can’t just queue up with their Gold buddy.

A lot of these players want to try out new agents or champions, but they don’t want to tank their main account’s rank. Learning something new at Immortal level is rough when everyone else knows what they’re doing.

Some folks just want easy wins. After sweating in high-rank games, rolling over less skilled players feels like a reward. It’s a bit addictive, honestly.

And then there’s the rewards. Once someone’s unlocked everything on their main, they might make a smurf to chase that progression again.

Queue Times and Stress Relief

Queue times at high ranks can get ridiculous—sometimes 15-30 minutes if you’re playing during off-hours. Once you reach Grandmaster or higher, the player pool shrinks and finding a fair match is a pain.

The pressure to keep your rank is real. Losing a few games can erase weeks of hard work. Smurf accounts give players a mental break from all that stress.

Playing casually on your main account? Good luck. High-ranked players say they can’t experiment or have fun because everyone expects them to carry every single game.

League of Legends players complain about this a lot. The ranking system is harsh, and a couple of bad games can undo all your progress, so it’s no wonder people turn to smurfing.

Content Creation Influence

Streamers and content creators have a big hand in this, too. Tons of popular streamers do “Bronze to Diamond” series, showing themselves climbing through low ranks.

These videos pull in massive views because let’s face it—watching a skilled player dominate is entertaining. But it also makes smurfing look normal and even cool.

Content creators say smurfing is for “educational purposes,” claiming they’re teaching people how to improve. Still, their videos basically show the world how to smurf.

There’s money in it, too. Smurf content usually gets more clicks and comments than regular gameplay, so creators have every reason to keep making it.

Impact of Smurfing on Competitive Integrity

A 3D scene showing two groups of online gamers in a digital arena separated by a barrier of code, representing the problem of smurfing and efforts to maintain fair competition.

Smurfing breaks the trust that makes ranked games worth playing. When high-skill players use alternate accounts to crush low ranks, the whole ranked system takes a hit.

Distortion of Rankings

The matchmaking system needs accurate skill ratings to make good matches. Smurfing messes this up everywhere.

When a Diamond player hops into Bronze, the algorithm gets confused. It can’t spot their real skill right away, so Bronze players end up fighting someone way out of their league.

MMR confusion spreads fast. The hidden rating system can’t keep up when smurfs win or lose on purpose. Real Bronze players might get boosted past their skill by a smurf teammate, which throws off even more matches.

Queue times go up as the system tries to rebalance everything. The algorithm scrambles to fix matches that were unfair from the start.

Problem Impact on System
False placement Algorithm confusion
Skill hiding Delayed rank correction
Account switching Inconsistent data

Ranking up starts to feel pointless if 20-30% of matches have smurfs. Players can’t tell if they’re actually improving or just getting tossed into random skill gaps.

Undermining Fair Competition

Fair competition should mean people of similar skill face each other. Smurfing just wipes that out.

Bronze and Silver players get stuck in unwinnable games. A Radiant player in disguise can decide the whole match by themselves. That’s not competition—it’s just a beatdown.

The psychological impact is rough. New players lose confidence after getting stomped by people with way more experience. Some quit, thinking they’re just not cut out for the game.

Competitive integrity falls apart when wins and losses don’t reflect real skill. Victories feel empty if you only win because of a smurf. Losing stings a lot more when you never had a chance.

Teamwork suffers, too. Lower-rank players can’t learn real strategies if their opponents are way too good. The learning curve turns into a frustrating maze.

Content creators don’t help by making smurf gameplay look cool. “Radiant in Bronze” videos just encourage more people to try it for themselves.

Effects of Smurfing on New and Casual Players

A virtual game arena showing smaller new players struggling on one side and larger experienced players dominating on the other, with symbols representing solutions to balance gameplay between them.

Smurfing wrecks new and casual players by making matches unfair, ruining the learning process, and just making people want to quit. The whole gaming community loses out when potential long-term players get driven away.

New Player Experience

New players get a tough welcome when they run into smurfs. Instead of learning at their own pace, they just get steamrolled by experienced players pretending to be newbies.

The mental hit is real. Fresh players expect fair matches so they can learn and improve. When a smurf dominates, they feel lost and powerless.

A lot of newcomers quit after just a few matches if smurfing keeps happening. Studies say 60% of new players who face smurfs early on stop playing within two weeks.

Trust in the matchmaking system falls apart fast. New players start thinking the game just isn’t for them and go find something else to play.

Reduced Learning Opportunities

Smurfing ruins the skill progression that makes competitive games work. New players miss out on important learning steps when their opponents are way too advanced.

Normal skill development needs:

  • Gradual difficulty increases
  • Time to practise basics
  • Chances to learn from mistakes
  • Fair fights to build confidence

Smurfs erase all of that. Players can’t figure out what they did wrong when the skill gap is massive. They just get overwhelmed and give up.

Matches lose their teaching value. Instead of learning positioning or timing, new players just learn that they can’t keep up. It makes the game less fun in the long run.

Player Retention Challenges

Game companies take a hit when smurfing drives away new players. Every person who leaves means lost subscription fees, fewer cosmetic sales, and less word-of-mouth buzz.

The numbers aren’t pretty:

  • 40% of players quit after facing smurfs multiple times
  • New player spending drops by 65% after bad experiences
  • Community growth slows down when beginners don’t stick around

Casual players get burned, too. They just want a chill match after work or school, not a sweat-fest against hidden pros. When smurfs invade casual modes, those players bail.

The ripple effect hits everyone. Fewer new players means smaller communities, longer queues, and less support for updates down the road.

Psychological Impact of Smurfing

Smurfing leaves a mark on mental health that sticks around long after the match ends. Players who keep running into skill mismatches get anxious about ranked queues and start doubting themselves.

Player Frustration and Burnout

Confidence drops fast when new players keep facing smurfs. They start questioning if they’re making any progress at all.

A lot of people develop performance anxiety about competitive matches. The worry about running into smurfs makes them avoid ranked games altogether.

Skill growth stalls when players don’t get fair challenges. Instead of learning and improving, they just get crushed with no idea how to get better.

Gaming journalist Aaron Connolly put it well: “We’ve seen countless players abandon ranked modes entirely after repeated smurf encounters destroy their motivation to compete.”

The mental strain can push people to quit. New players especially struggle, since their first taste of Valorant or League becomes more about frustration than fun.

Burnout shows up as:

  • Avoiding ranked matches
  • Losing interest in getting better
  • Feeling stuck with no way forward
  • Connecting competitive gaming with stress instead of enjoyment

Community Toxicity

Smurfing just makes toxic behavior in gaming communities worse. When regular players spot obvious smurfs, you can almost feel the frustration boil over—sometimes it turns into trash talk or even folks intentionally sabotaging the game.

People start throwing matches on purpose if they think a smurf is involved. That just makes things worse for innocent teammates caught in the crossfire.

Unfair matches start to feel normal after a while. Players just shrug and accept that ranked games will probably be a mess, which honestly lowers everyone’s expectations for fair play.

Smurfs themselves sometimes get rude or dismissive toward less skilled players. That kind of attitude really sets a bad example for anyone new to the scene.

Some folks, fed up with the toxicity, end up making their own smurf accounts. And so the whole cycle of unfair games and mental drain just keeps going for everyone.

Smurfing in League of Legends and Other Titles

League of Legends probably deals with the worst smurfing issues among competitive games. VALORANT has the same headaches, even with extra security.

League of Legends Specifics

Riot Games has called out smurfing as a huge problem in League. They say they don’t support it because it ruins the experience for everyone else.

The problem has gotten worse lately. What used to be a rare complaint now pops up every day for most ranked players.

Why League attracts so many smurfs:

  • You can make free accounts, no sweat
  • Tons of players make it tricky to spot smurfs
  • The ranked system almost encourages having multiple accounts
  • It’s just too easy to stomp lower-skill lobbies

Riot can’t keep up with enforcement because there are just too many accounts. They won’t remove most smurf accounts unless there’s a clear reason.

Some recent anti-smurf steps:

  • Tougher ranked requirements for new accounts
  • Harsher penalties for disruptive play
  • Better detection tools

The League community never stops talking about smurfing. Players say it’s just “how it is” now, not the exception.

Smurfing in VALORANT

VALORANT runs into the same smurfing problems, but a few things set it apart from League. You have to go through more hoops to verify your Riot account at first.

VALORANT’s unique headaches:

  • The skill ceiling is so high that rank gaps really stand out
  • Tactical shooters let experienced players dominate even harder
  • Shorter matches make it easy to bounce between smurf accounts

Riot makes new VALORANT players finish more unranked games before they can hit ranked. The phone number rule helps, but people still find ways around it with different numbers.

How the community feels it:

  • Matches can end in a flash if a smurf is rolling the lobby
  • Teamwork falls apart when skill gaps are huge
  • Toxicity hits harder in voice chat

Vanguard, VALORANT’s anti-cheat, catches some smurfing patterns. Still, VALORANT sits next to CS2 and Overwatch as one of the worst for smurfing.

Role of Matchmaking Systems in the Smurfing Problem

A 3D scene showing a digital matchmaking system analysing player avatars of different skill levels to prevent unfair matches in online gaming.

Matchmaking systems just can’t spot experienced players on new accounts fast enough. Smurfs slip right through the cracks, taking advantage of these gaps.

Detection methods miss a lot of intentional rank manipulation and weird win patterns. Smurfs know how to work the system.

Limitations of Current Systems

Modern matchmaking looks at win rates and performance data to sort players. But it assumes everyone on a new account is actually new.

Smart smurfs take advantage by:

  • Purposely losing placement games to start at a lower rank
  • Playing inconsistently to fly under the radar
  • Using different strategies than they would on their main

It takes time for the system to figure out someone’s real skill. In the meantime, low-rank players get stuck in unfair matches. Riot’s own stats say at least 20-30% of competitive games have a smurf.

Detection tries to catch:

  • Win streaks that look suspicious
  • Performance that doesn’t fit the rank
  • Super fast account leveling

These tools catch the obvious cheaters. But the clever smurfs who hide their skills? They often slip by. Shared computers and internet cafes make it even harder—multiple skilled players might use the same device.

Unusual Win Patterns and Detection

You can sometimes spot smurf accounts by how they play. Their patterns just don’t match what you’d see from a true beginner.

Red flags:

  • Sudden skill jumps after a streak of bad games
  • Win rates that hover above 80% for a while
  • Accuracy or game sense that’s way too good for their rank
  • Play hours that scream “experienced gamer”

Smurfs sometimes throw games on purpose, then crush a few in a row. Their match history ends up looking like a saw blade.

Better detection could watch:

  • Mouse movement and sensitivity
  • Game settings choices
  • How they communicate and what they know about the game
  • Reaction times in tricky situations

The tricky part? Telling smurfs apart from players who are just improving fast. Someone having a lucky streak shouldn’t get flagged unfairly. So, systems need to watch for patterns over time, not just one-off stats.

Community Responses and Concerns

A group of people gathered around a table in a meeting room discussing solutions to a gaming problem, with digital screens showing connected user profiles and data visualisations.

Players in League, Valorant, and other competitive games are loud about how smurfing ruins fair play. The community keeps tossing out ideas, from tighter account checks to smarter detection.

Player Complaints

Players care a lot about competitive integrity, and smurfs just wreck that. Many say they run into smurfs in almost every ranked match, making it feel pointless to try climbing.

Players who come back after a break notice it too. One even said they struggled to progress, running into skilled players in low-tier games all the time.

New players get hit the hardest. Smurfs show up in early matches, not just ranked, making things feel pretty unwelcoming for anyone just starting out.

Casual players feel robbed when they try to get better. Instead of fair fights, they get matched with people who clearly belong way higher.

The biggest gripe? Smurf accounts keep popping up, and nothing really happens to them. Players see the same offenders over and over without bans or restrictions.

Suggestions from the Community

Phone verification is the top suggestion. Linking a mobile number to each account makes it harder for smurfs to keep making new ones.

Account restrictions also get a lot of support. Some want Social Security Numbers or government IDs, but that brings up privacy worries.

Punishments that carry over to all linked accounts is another idea. If someone gets banned, every account tied to them gets hit.

The community argues about whether harsher penalties would help. Some want instant, permanent bans for smurfs instead of slaps on the wrist.

Better detection based on gameplay is a popular ask. Players want systems to flag anyone performing way above their supposed rank.

Riot Games’ Solutions and Anti-Smurfing Measures

A futuristic control room with holographic screens and digital interfaces showing player data and detection networks, centred around a glowing AI core, representing anti-smurfing technology in gaming.

Riot Games has tried a bunch of things to fight smurfing in League and Valorant. They’re mixing identity verification with smarter detection algorithms to catch and limit smurf accounts.

Account Verification and Restrictions

Riot’s biggest move is multi-factor authentication for ranked games. Players now have to verify their identity with a phone number or similar before they can play competitively.

They also track player behaviour across accounts. If the system spots signs of smurfing, it blocks those accounts from facing less experienced players.

Current restrictions look like:

  • Limited access to matches with new players
  • Faster bumps to the right skill bracket
  • Suspensions for confirmed smurfs
  • Full bans for repeat offenders

Vanguard, Riot’s anti-cheat, now even gives back LP (League Points) to players whose games got ruined by smurfs. That helps ease the sting of unfair losses while the system catches up.

Detection Algorithms

Riot rolled out True Skill 2, a matchmaking system that figures out your real skill three times faster than before. Smurfs get pushed up to their real rank sooner, so they can’t stomp newbies for long.

The new algorithms spot weird gameplay that hints at smurfing—like crazy kill counts, fast rank jumps, or stats that don’t fit the account’s history.

Detection upgrades:

  • Auto LP refunds for affected players
  • Ten times more daily bans for disruptive behavior
  • A new “Rating Manipulation” report you can file
  • Better tracking of account sharing and boosting rings

The system now checks not just how someone plays, but also how groups act together. It especially targets five-person queues where experienced players use alt accounts to play with lower-ranked friends.

Proposed Solutions to the Smurfing Problem

A 3D scene showing a digital network protected by a large shield with security bots monitoring data flow to prevent cyber attacks.

Game devs are trying out a bunch of ways to cut down on smurfing in ranked play. The focus is on faster account leveling and smarter detection that can spot out-of-place performance quickly.

Improved Account Progression

Speeding up account progression makes smurfing less attractive. Lots of devs are making it quicker for new accounts to reach ranked.

Faster Rank Calibration Modern matchmaking can sniff out mismatches in 5-10 games. A Diamond player on a Bronze account gets bumped up fast, so they don’t ruin low-rank matches for long.

Phone Number Verification Making ranked players use a unique phone number per account puts a real roadblock in front of smurfs. It’s worked in games like Counter-Strike 2.

Hardware ID Tracking Some studios track your computer hardware to link accounts. If someone gets banned and tries to make a new account on the same device, the system can catch it.

The big win? Player retention goes up. New players stick around longer if they aren’t getting stomped by smurfs.

Smarter Matchmaking Adjustments

Advanced matchmaking can spot and separate smurfs before they mess up too many games.

Performance-Based Detection Systems now look at more than just wins and losses. If a Bronze account suddenly plays like a Diamond, it gets flagged right away.

Separate Smurf Queues Some games put suspected smurfs in their own matchmaking pool, so they mostly face each other and not real beginners.

Accelerated MMR Changes If the system thinks someone is smurfing, it gives them bigger rating jumps per win. A suspected smurf might gain 50+ rating points instead of the usual 20.

None of these fixes work perfectly alone, but together they start to make a dent.

Balancing Fairness and Accessibility

A digital scale balancing diverse people on one side and security symbols on the other in a futuristic setting.

Game devs have to walk a fine line. They want to keep games open and friendly for newcomers, but they also need to shut down experienced players who try to work the system. The real trick is building barriers that stop smurfs but don’t scare off genuine newcomers who just want to play ranked.

Ensuring Access for Genuine New Players

The new player experience really shapes the health of any competitive game.

We need systems that actually welcome newcomers, not just add more hoops to jump through.

Phone verification stands out as a solid first step. Most real players own a mobile phone and won’t mind linking one account.

This simple check stops casual smurfing, but barely inconveniences genuine folks.

Account progression requirements also help. New accounts might need to finish a tutorial or play some unranked matches before they can hop into ranked games.

Some games use trust factors—things like account age, purchase history, and player behavior. If you’ve spent years buying games and building a good reputation on Steam, you get better treatment than someone who just made a new account.

This approach rewards loyal players and makes smurfing pricier.

Hardware fingerprinting adds another layer. These systems track device details to catch when the same computer creates multiple accounts.

They catch repeat offenders, but don’t bother players who just have one account.

Discouraging Unjust Play

Competitive integrity really depends on making smurfing more trouble than it’s worth.

Smart detection systems can spot skill mismatches pretty fast.

Modern matchmaking looks at more than just wins and losses. If someone lands headshots way above their rank, the system should flag them.

Quick rank adjustments push obvious smurfs out of low-skill lobbies sooner.

Stricter penalties for smurfs actually matter. Some developers now hand out permanent bans, not just slaps on the wrist.

IP-based restrictions can block repeat offenders, but VPNs make this trickier.

Economic barriers help too. If players have to buy something small before accessing ranked modes, casual smurfing gets expensive.

Even a £5 cost per account adds up if someone keeps creating new ones.

Community reporting lets players flag suspected smurfs directly. When you mix this with automated detection, you get several layers of defense that are tough to dodge.

The Future of Smurfing Prevention in Online Gaming

A futuristic gaming control room with holographic screens showing player data and networks, and diverse virtual avatars interacting with the technology.

New digital identity tech and better community education are about to change how we fight smurfing in competitive games.

These advances promise more accurate detection and stronger awareness about what smurf accounts really do to the scene.

Emerging Technologies

Digital identity verification is becoming the main defense against smurfing.

Advanced systems now check more than just IP addresses when they try to spot players making multiple accounts.

Hardware fingerprinting tracks unique device parts to catch experienced players making new accounts on the same computer.

Even if someone uses a VPN or changes their internet, this method can still work.

Behavioural analysis systems watch how players move, aim, and make decisions. These things are tough to fake—muscle memory and game sense don’t come overnight.

Phone number verification is getting stricter, too. Some developers require numbers that haven’t been used for other accounts, so smurfing gets pricey.

Machine learning algorithms keep improving at spotting suspicious account activity.

They can tell when a “new” player is performing at a pro level right from the start.

Community Education Initiatives

Players are starting to learn more about how smurfing actually hurts the community, thanks to targeted education programs.

A lot of gamers admit to smurfing even though they know it’s not great, so we clearly need better awareness.

Gaming communities now offer mentorship programs where experienced players help newcomers, instead of making smurf accounts.

These programs show advanced players how to guide beginners without ruining their games.

Reporting systems are getting smarter, and players are learning to spot and report smurfs more effectively.

Clearer guidelines help everyone understand what actually counts as harmful smurfing.

Developers are communicating better, with regular updates on anti-smurfing efforts.

When players know what companies are doing, they’re more likely to support it instead of trying to fix things themselves.

Frequently Asked Questions

A futuristic workspace with holographic screens showing data and experts discussing solutions around a digital help desk.

If you want to tackle smurfing, you need clear answers about detection, technological solutions, and the roles of regulations, banks, and training programs in prevention.

How can organisations effectively detect and prevent smurfing activities?

Organisations should use robust transaction monitoring systems that flag weird patterns.

These systems watch for lots of small deposits just under reporting limits.

Strong Know Your Customer (KYC) procedures catch suspicious accounts early.

We suggest verifying customer identities carefully and checking their backgrounds.

Risk-based customer profiling helps spot potential smurfs. Customers from higher-risk regions or with odd transaction habits need extra checks.

Real-time monitoring can catch smurfing as it happens.

Automated systems flag when someone makes several small deposits at different branches on the same day.

What are the latest technologies used in combatting illegal fund transfers?

AI-powered fraud detection tools review transaction patterns in real time.

They learn from old smurfing cases and spot new ones faster.

Machine learning algorithms find subtle patterns humans might miss.

They can connect transactions across many accounts and locations.

Dynamic risk scoring updates customer risk levels based on real behavior.

Scores change right away if something suspicious pops up.

Blockchain analysis tools trace cryptocurrency transactions used for layering.

These tools help track funds even when criminals try to hide their tracks.

What steps should individuals take if they suspect smurfing in their financial transactions?

Call your bank right away if you spot unexplained deposits.

This could mean criminals are using your account for cuckoo smurfing.

Report anything suspicious to your local financial intelligence unit.

In the UK, you should contact the National Crime Agency through the proper channels.

Keep detailed records of your financial transactions.

Write down dates, amounts, and reasons for legitimate transfers to protect yourself.

Never let others use your bank account for their transactions.

That makes you a target for money laundering schemes.

Can you explain the role of anti-money laundering regulations in thwarting smurfing operations?

AML regulations make banks report transactions over certain amounts.

In many places, this threshold sits at £8,000 to £10,000 per transaction.

Suspicious Activity Reports (SARs) help authorities track possible smurfing.

Banks file these when they notice unusual transaction behavior.

Customer Due Diligence rules require banks to understand why clients need their services.

This makes it tougher for smurfs to open lots of accounts without being caught.

Regular compliance audits check if banks actually follow anti-smurfing procedures.

Audits also test whether monitoring systems work and staff training stays up to date.

What measures are banks implementing to strengthen their systems against smurfing?

Advanced transaction monitoring software flags possible smurfing in real time.

These systems review transaction sizes, how often they happen, and where they come from.

Better identity verification makes it harder to open multiple smurf accounts.

Banks now use biometric data and cross-check databases more thoroughly.

Cross-branch communication shares customer info instantly.

This stops smurfs from making deposits at different locations without getting caught.

Automated alert systems notify compliance teams when suspicious patterns show up.

These alerts trigger immediate investigations before funds vanish into the system.

Why is employee training important in identifying and addressing smurfing?

Front-line staff usually spot smurfing attempts first when they’re interacting with customers. Training helps them pick up on nervous behavior or weird deposit patterns.

When employees get regular training updates, they stay informed about new smurfing tricks. Criminals keep changing their methods, so staff need to keep up.

With the right training, staff know how to file Suspicious Activity Reports the right way. If reports are incomplete or delayed, smurfing operations might just slip by unnoticed.

Training programs also lay out the legal requirements for reporting suspicious activity. That way, both the institution and individual employees can avoid regulatory trouble.

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