Think about your 200% for a minute. If they are getting paid in cash, it’s not all getting deposited into their bank account. Sure, enough will be to fund mortgage/rent pre-authorized deductions, online bill payments, etc.. But much of that cash will stay in their wallets and be used to pay for food, restaurants, etc. and never hit the bank account. It won’t trigger or raise those flags you are worried about. Electronic payments are traceable but cash is not.
The FINTRAC rules are looking for large transactions of a “suspicious” nature. In dollar terms, the banks follow a $10K hurdle of incoming or outgoing cash. Essentially, $10K+ in either one transaction or cumulatively in 2 or more in a 24 hour period. Those will get reported by the bank. Below that $10K then No. So, unless she’s bringing in more than $120K and it’s all going into the bank in a once/month transaction, or more likely $150k + with 75% of that cash going into the bank in a once/month transaction then no FINTRACT flags will be raised. But, even that $150k* is double the number we’ve been discussing earlier.