@danilol - just sign a loan agreement - find one on the internet and agree on loan amount, rate and term - both sign it. .... then it's a loan and not a gift. There are minimum interest rates required by the IRS; you can find the appropriate rate on this IRS document. The interest is taxable income to you that should be reported. (she can't deduct the interest as it is not mortgage debt).
https://www.irs.gov/pub/irs-drop/rr-22-17.pdf
if you decide to go back to the gift route, you and your spouse can give her up to $32,000 in 2022 with no gift reporting requirements. Looks like it may be $34,000 in 2023.
I wouldn't worry about the Bank transactions. The Banks are required to report all transfers of more than $10,000 because of other federal laws.
