{
  "question_text": "After you observe a suspicious activity indicator and submit a referral, who makes the final decision about whether a SAR gets filed?",
  "options": [
    "The BSA/AML Compliance Officer",
    "The teller who observed the indicator",
    "The branch manager",
    "The teller's team lead"
  ],
  "correct_answer": "The BSA/AML Compliance Officer",
  "correct_response": "Correct. Your job is to observe and report. The decision to file a SAR belongs to your BSA/AML Compliance Officer — not to you, your manager, or your team lead.",
  "incorrect_response": "The BSA/AML Compliance Officer makes the decision about whether a SAR is filed. Tellers, managers, and team leads observe and escalate — they do not make SAR filing decisions.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "You notice that multiple people are presenting payroll checks with consecutive numbers from the same employer on the same day. What should you do?",
      "options": [
        "Complete an internal suspicious activity referral and deliver it to the BSA/AML Compliance Officer by end of shift",
        "Complete the transactions and note the pattern for the next scheduled audit",
        "Ask the customers to return on separate days and explain the concern",
        "Process one transaction and hold the others until a manager reviews the situation"
      ],
      "correct_answer": "Complete an internal suspicious activity referral and deliver it to the BSA/AML Compliance Officer by end of shift",
      "correct_response": "Right. Sequential or near-consecutive check numbers from the same employer presented by different individuals on the same day is a listed check cashing red flag. Report it — don't wait for an audit or try to manage the situation yourself.",
      "incorrect_response": "Consecutive check numbers from the same employer presented by different people on the same day is a check cashing red flag. The correct action is to submit an internal suspicious activity referral to the BSA/AML Compliance Officer by end of shift — not to wait, confront the customers, or hold transactions.",
      "unsure_response": null
    },
    {
      "question_text": "A customer appears confused and mentions they were told to cash a check and give the money to someone else. What should you do?",
      "options": [
        "Flag this as a suspicious activity indicator and submit an internal referral to the BSA/AML Compliance Officer by end of shift",
        "Complete the transaction since the customer has a valid check and acceptable ID",
        "Advise the customer not to hand money to third parties and then complete the transaction",
        "Ask the third party waiting outside to come in and verify their relationship to the customer"
      ],
      "correct_answer": "Flag this as a suspicious activity indicator and submit an internal referral to the BSA/AML Compliance Officer by end of shift",
      "correct_response": "Correct. A customer who is confused or under pressure, combined with a statement that they must return proceeds to a third party, are both listed suspicious activity indicators — one for elder financial exploitation, one for third-party control. Report it.",
      "incorrect_response": "A disoriented customer who says they must return the cashed funds to another person is showing two suspicious activity indicators: possible elder financial exploitation and third-party control. Submit an internal referral to the BSA/AML Compliance Officer by end of shift — do not complete the transaction, advise the customer, or involve the third party.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> Your role during every transaction is to watch and report — not to investigate or decide what happens next.</p><ul><li>When you see any suspicious activity indicator, complete an <strong>internal suspicious activity referral</strong>.</li><li>Deliver it to your BSA/AML Compliance Officer <strong>by end of shift</strong> — this timing matters for required government deadlines.</li><li>The decision to file a SAR belongs to your <strong>BSA/AML Compliance Officer</strong>. Your job ends when you submit the referral.</li></ul>"
}