{
  "question_text": "When must you run the SDN check on a customer?",
  "options": [
    "Before you accept any check and before you hand out any cash",
    "After accepting payment but before completing the transaction record",
    "Only when the customer's transaction is over a certain amount",
    "At the start of each shift, to cover all customers for that day"
  ],
  "correct_answer": "Before you accept any check and before you hand out any cash",
  "correct_response": "You must run the SDN check before accepting any check and before handing out any cash. The result must come back before you start the transaction — not during or after.",
  "incorrect_response": "The SDN check must be completed before accepting any check and before handing out any cash. It is not triggered by transaction amount, done at the start of a shift, or performed after accepting payment.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "When the SDN check returns a confirmed match, what should you do with any money the customer gave you?",
      "options": [
        "Hold it — do not return it to the customer",
        "Return it immediately and ask the customer to come back later",
        "Place it in the regular cash drawer until the supervisor reviews the situation",
        "Give it back while you wait for the BSA/AML Compliance Officer to arrive"
      ],
      "correct_answer": "Hold it — do not return it to the customer",
      "correct_response": "When a confirmed match is found, hold all money and documents — do not return them to the customer. Returning them may release blocked property. Notify the BSA/AML Compliance Officer within one business hour.",
      "incorrect_response": "When a confirmed SDN match is found, you must hold all funds. Do not return the money to the customer for any reason — not while you wait, not until a supervisor arrives. Notify the BSA/AML Compliance Officer within one business hour.",
      "unsure_response": null
    },
    {
      "question_text": "When you have to turn a customer away because the transaction is not allowed, what are you allowed to say?",
      "options": [
        "Only that Advanced Compliance Technology, Inc. cannot process the transaction",
        "That a government check flagged their name and they should seek help elsewhere",
        "That their name appeared on a blocked list and they may need to contact OFAC",
        "That you are not able to explain why, but they should come back another day"
      ],
      "correct_answer": "Only that Advanced Compliance Technology, Inc. cannot process the transaction",
      "correct_response": "You may only tell the customer that Advanced Compliance Technology, Inc. cannot process the transaction. Do not say anything else — not about a government list, not about why, not to come back.",
      "incorrect_response": "The only thing you are allowed to say is that Advanced Compliance Technology, Inc. cannot process the transaction. Mentioning a government list, OFAC, or suggesting they return are all prohibited.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>When to run the check:</strong> Run the SDN check before you accept any check and before you hand out any cash. Wait for the result before you begin.</p><p><strong>If a match is found:</strong> Stop, hold everything, and contact the BSA/AML Compliance Officer within one business hour. Do not return anything to the customer.</p><p><strong>If you must decline:</strong> Tell the customer only that Advanced Compliance Technology, Inc. cannot process the transaction. Do not say anything more.</p>"
}