This is actually still in scope. Yes it's confusing, but the user is right that this would still be considered tipping behavior, and the test is not just investigation but can be tied to your general risk assessment approach for anti-fraud/AML systems. That said, this is not why it would be so long imo (reasons being that it is a user that has made several of the same transactions which puts them in the low risk category with a usual hold of up to 10 days max. more than that there is an actual investigation with authorities in many cases, so I guess its possible but I don't buy it especially with the consistent timing). To me it's reserves at play, not the other systems. You may get flagged in a system, but it does not take 10-14 days to resolve in modern systems, more like 10-14 hours worst case for low risk repeat transfers (even though the amount seems high, but since again Pieter has done this before it would be seen as lower risk by most competent banks).
✅ Doubt
"Tipping off is an anti-money laundering (AML) and counter-terrorism financing (CTF) offense that occurs when a business or employee discloses to a customer that a suspicious transaction report (SAR or SMR) has been filed, or that they are under investigation by law enforcement. [1, 2]"
I'm not under investigation, it's just a big transaction so they do extra checks, that's allowed to say ofc