This is a legit concern. I got kicked out of a large bank in the US when some transactions to Colombia got flagged. I always did business with people I was referred to. What was explained to me by a banker is if for any reason the person on the other side of the transaction has been flagged in the US all the other accounts related to it are automatically flagged as well. No explanations given. No warnings other than a letter by post mail. I was in Europe when I realized and could not use my card. Then changing banks is an absolute PITA. Not worth the risk. Now I make all international payments using a small community bank through one or two people I trust.