Need some advice quick/other question

Ok, so how long would it take to get banned after being reported? I was RWT'ing and someone else was in the world where I was picking up my gold. I can't be sure they won't be reporting me, but I saw them trading the account making the delivery too. Should I trade the gold to another account to be safe, or would that by conjunction get that account banned too? Anyway, there's that question, and another question I want to know is what Jagex does when an account is banned. Do they do stuff like IP banning?

I think there is no such formula

It's really random. Jagex will never disclose how they ban people. However, I heard that if an account suddenly gain a lot of gold, it'll trigger a warning of some kind and that account will be investigated.