Unfortunately you are exactly right. Criminals actually work in a business. They will adapt, change methods or whatever it takes to continue their business. The smart thing to do is to have the bank review Alerts detected by the software or a person at the branch, determine if it warrants being forwarded to the authorities and keep quiet. The other safeguards are good but the software can do a decent job depending on the design and parameters used. Some banks in the US place a temporarily Hold on Large Transactions, theory is it allows for the money to clear, any alerts to be reviewed and people's accounts to be reviewed before the funds settle.
