What I’m getting at, and I guess I didn’t flesh it out well enough. Is that you’re getting reported anyway. It’s no big deal, and it should be automated. If they’re slowing it down by days, it isn’t. But it’s also Goldman, so a cynic would have other thoughts on what they’re actually doing.
What you’re doing is fine, and with the knowledge you do a similar transfer monthly (or twice monthly, etc) you’ve established a functional pattern. I’m just saying you don’t need to dodge around the 10k, you’re gonna get tapped no matter what you do to avoid that. The only time you’ll trigger any slowdown now with that pattern is if you suddenly start transferring far more than that, or to new accounts… or a big flag, to a new country (that’s a generalized statement, not to you as a person).