{
  "question_text": "When must you screen a customer's name against the OFAC Specially Designated Nationals list?",
  "options": [
    "Before completing any transaction, no matter the amount",
    "Only for transactions over $1,000",
    "Only when processing corporate or business checks",
    "Only when the customer cannot present acceptable photo identification"
  ],
  "correct_answer": "Before completing any transaction, no matter the amount",
  "correct_response": "Correct. OFAC screening applies to every transaction before it is completed — not just those over $1,000 and not only for business checks. Screen every customer, every time.",
  "incorrect_response": "OFAC screening is required before you complete any transaction, regardless of the amount. It is not limited to transactions over $1,000 or to business checks. You must screen every customer before processing.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "A customer cannot show acceptable photo ID for a $1,300 transaction. They offer to call their employer to verify their identity. What should you do?",
      "options": [
        "Do not complete the transaction — calling an employer does not replace the required photo ID",
        "Allow the employer call and complete the transaction if the employer confirms the customer's identity",
        "Accept two other forms of non-photo identification in place of photo ID",
        "Complete the transaction with a documented exception and notify your supervisor"
      ],
      "correct_answer": "Do not complete the transaction — calling an employer does not replace the required photo ID",
      "correct_response": "Correct. No alternative method — including an employer call, checking prior records, or presenting other documents — replaces the required photo ID for transactions over $1,000. If the customer cannot present acceptable photo ID, do not complete the transaction.",
      "incorrect_response": "When a customer cannot present acceptable photo ID for a transaction over $1,000, the transaction must be declined. Calling an employer, checking prior records, or using any other method does not satisfy the photo ID requirement.",
      "unsure_response": null
    },
    {
      "question_text": "The ID does not need to be issued by Florida. A customer presents a valid, unexpired driver's license from a different U.S. state. Is this acceptable for a transaction over $1,000?",
      "options": [
        "Yes — driver's licenses from any U.S. state, territory, or DC are acceptable",
        "No — the ID must be issued by Florida to be acceptable",
        "Only if the customer also provides a document issued by Florida",
        "Only if the out-of-state license includes both a photograph and a signature"
      ],
      "correct_answer": "Yes — driver's licenses from any U.S. state, territory, or DC are acceptable",
      "correct_response": "Correct. The ID does not need to be issued by Florida. A valid driver's license from any U.S. state, territory, or the District of Columbia is acceptable.",
      "incorrect_response": "The ID does not need to be issued by Florida. A valid, unexpired driver's license from any U.S. state, any U.S. territory, or the District of Columbia is acceptable for transactions over $1,000.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>OFAC screening — every customer, every transaction:</strong> You must screen the customer's name against the OFAC Specially Designated Nationals list before you complete any transaction. This applies to small transactions under $1,000 just as much as it applies to large ones. Do it first, before you process anything.</p><p><strong>No replacement for photo ID:</strong> If a customer cannot show an acceptable photo ID for a transaction over $1,000, the transaction must be stopped. There is no alternative method — no employer call, no prior transaction history, no other document — that takes the place of valid photo identification.</p>"
}