Business Account Frozen: What Triggers Freezes...

The email arrives at 3 AM local time. Subject line: "Action Required: Account Access Temporarily Restricted." By the time most founders see it, their business account has been frozen for six hours. Payments stopped processing. Invoices suspended. Revenue flow interrupted mid-stream. The freeze itself is mechanical. A risk threshold was crossed -- often under the Bank Secrecy Act framework enforced by FinCEN. An algorithm triggered. A compliance team flagged something for review. But the structur