How to safely cash out ~100k USDT from cold wallet to bank without triggering AML/Chain Analysis?

I have around 100k USD worth of BTC and stablecoins in a cold wallet (Ledger/Trezor). I want to transfer them to an exchange, sell everything, and finally withdraw the funds to my regular bank account.

Since this is a relatively large amount, I’m quite worried about AML flags, chain analysis tools, and possible account freezes. Would it be better to send the entire amount at once or split it into smaller batches over time? What’s the cleanest and safest way to do this with minimal risk of issues?

I’d appreciate any real experiences with platforms like Kraken, Coinbase, or Binance. Have you had success with OTC desks for amounts like this? I’m also open to P2P options or any other methods that people recommend.

I’m trying to avoid unnecessary complications, so any practical advice from people who have done similar withdrawals would be very helpful.

Thanks in advance!