"Smurfing" is similar to the concept of "structuring", but this process is more complicated and requires more human resources from the money launderer. Smurfing involves distributing the payment or execution of a transaction among different people. In this way, amounts can be pieced together and then distributed via middlemen and women. The clients act in the background.
This form of money laundering can also be detected if the company has an effective money laundering prevention concept that includes staff training, KYC checks and monitoring of transactions.