{
  "question_text": "After observing one or more suspicious activity indicators during a transaction, what action is the teller required to take?",
  "options": [
    "Complete an internal suspicious activity referral and deliver it to the BSA/AML Compliance Officer by end of shift",
    "Refuse the transaction and document the refusal without submitting a referral",
    "Determine independently whether a SAR is required and file directly with the regulator if warranted",
    "Notify the customer of the suspected concern before taking any further action"
  ],
  "correct_answer": "Complete an internal suspicious activity referral and deliver it to the BSA/AML Compliance Officer by end of shift",
  "correct_response": "Correct. The teller's responsibility is to observe, document, and report — not to investigate or decide on filing. Submitting the referral by end of shift gives the BSA/AML Compliance Officer the time needed to review and act within the required period.",
  "incorrect_response": "When a teller observes one or more suspicious activity indicators, the required action is to complete an internal suspicious activity referral and deliver it to the BSA/AML Compliance Officer by end of shift. Tellers do not determine whether a SAR is required, file directly with regulators, or notify the customer of the suspicion.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "A customer presents a check made payable to another individual and provides no documented authorization. What should the teller do?",
      "options": [
        "Flag the transaction as a suspicious activity indicator and submit an internal referral to the BSA/AML Compliance Officer by end of shift",
        "Complete the transaction and note the discrepancy in the customer's file",
        "Contact the named payee directly to confirm verbal authorization before proceeding",
        "Decline the transaction and retain documentation without submitting a referral"
      ],
      "correct_answer": "Flag the transaction as a suspicious activity indicator and submit an internal referral to the BSA/AML Compliance Officer by end of shift",
      "correct_response": "Right. Instruments payable to one person but presented by another without documented authorization are an explicit check cashing red flag. The teller should flag it and submit a referral — not make an independent determination about whether to proceed.",
      "incorrect_response": "A check payable to one person but presented by another without documented authorization is a suspicious activity indicator. The correct response is to flag it and submit an internal referral to the BSA/AML Compliance Officer by end of shift — not to complete the transaction, call the payee, or retain documentation without reporting.",
      "unsure_response": null
    },
    {
      "question_text": "Who holds the authority to determine whether a SAR must be filed after a teller submits a suspicious activity referral?",
      "options": [
        "The BSA/AML Compliance Officer",
        "The teller who submitted the referral",
        "The branch manager on duty at the time of observation",
        "The teller and manager jointly, after reviewing transaction history"
      ],
      "correct_answer": "The BSA/AML Compliance Officer",
      "correct_response": "Correct. The BSA/AML Compliance Officer reviews each referral, pulls supplemental transaction history, and determines whether SAR filing is warranted — within three business days of receiving the referral. This decision is not the teller's or manager's to make.",
      "incorrect_response": "The BSA/AML Compliance Officer holds sole authority to determine whether a SAR is required after reviewing a suspicious activity referral. Tellers and managers observe and escalate — they do not make SAR filing decisions.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> When you observe a suspicious activity indicator, your job is to report it — not to investigate or decide what happens next.</p><ul><li>Complete an <strong>internal suspicious activity referral</strong> for every indicator you observe.</li><li>Deliver the referral to your BSA/AML Compliance Officer <strong>by end of shift</strong> — this timing matters for mandatory regulatory deadlines.</li><li>The decision to file a SAR belongs to your BSA/AML Compliance Officer, not to you. Your role ends when you submit the referral.</li></ul>"
}