Jonathan, age $32,$ just relocated to a new state to accept a job as an architect with a small architectural firm, which does business internationally. He contacted a local agent to discuss insurance coverage, and after the initial meeting, he purchased a basic homeowner's policy and an auto policy. Why is Jonathan not likely to be the focus of an AML review?

a$.$ because of his age

b$.$ because he is employed in a professional capacity

c$.$ because he is new to the locale

d$.$ because the products he purchased do not pose a money$-$laundering risk