In the latest episode of the Thomson Reuters Institute’s (TRI) Clarity podcast, we speak to Ruth Kruse, a financial services compliance veteran and BSA officer for Southwest Heritage Bank, for a sharp, no‑nonsense dive into why the quality of Suspicious Activity Reports (SARs) matters more than the raw volume of filings. From the surge in filings to the ripple effects of digital banking and crypto, Kruse unpacks outcome‑based SARs, smarter triggers, and the kind of investigator judgment that actually drives results.