Banking regulation varies from country to country, where I'm from a regular personal account isn't usually allowed to directly transfer more than a few tens of thousands of dollars per month. Anything beyond that is handled by the bank itself. Business accounts work differently.

I'm certain receiving a lump six figure sum on my personal account would trigger a review, if only because the taxman wants to know about it.

Backend-wise, it's just different sets of flags. The infrastructure is the same.