Cryptic crossword clue
Nervous laughter where teetotaller in bank takes shilling 7

The most common and most likely answer to this crossword clue is the 7 letter word TITTERS

I've seen this crossword clue in Financial Times
T
I
T
T
E
R
S

Buddy explains!

The straight part
We know that "Nervous laughter" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case nervous laughter = titters.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does TITTERS mean?

TITTERS noun
  1. A nervous or somewhat repressed giggle.
TITTERS noun
  1. (chiefly in the plural) A woman's breast.

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