{
  "question_text": "When do you need to screen a customer against the OFAC list?",
  "options": [
    "Every time, for every transaction, no matter the amount",
    "Only when cashing checks over $1,000",
    "Only when the customer does not have a photo ID",
    "Only for business checks and payroll checks"
  ],
  "correct_answer": "Every time, for every transaction, no matter the amount",
  "correct_response": "Correct. You must screen every customer against the OFAC list before completing any transaction. The amount does not matter — even small transactions require OFAC screening.",
  "incorrect_response": "You must check every customer's name against the OFAC list before you complete any transaction, no matter how small. This is not just for large transactions or business checks — it applies every single time.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "A customer has already done $800 in transactions today. They come back with a $300 check. Do they need to show a photo ID?",
      "options": [
        "Yes — their same-day total will be $1,100, which is over $1,000",
        "No — the new check is only $300",
        "No — their identity was already confirmed earlier today",
        "Yes, but only because this is their second visit"
      ],
      "correct_answer": "Yes — their same-day total will be $1,100, which is over $1,000",
      "correct_response": "Correct. All of a customer's transactions from the same day add up. $800 plus $300 is $1,100 — that is over $1,000, so photo ID is required.",
      "incorrect_response": "All transactions from the same customer on the same day count together. $800 plus $300 equals $1,100, which is over $1,000. Because the total goes over $1,000, the customer must show a valid government photo ID.",
      "unsure_response": null
    },
    {
      "question_text": "A customer shows you a utility bill and asks if they can use it to cash a $1,400 check. What do you say?",
      "options": [
        "No — utility bills are not acceptable. The customer needs a government-issued photo ID.",
        "Yes — a utility bill shows the customer's name and address, which is enough",
        "Yes — if the utility bill has a recent date and their name matches the check",
        "No — but they can use two utility bills together as an alternative"
      ],
      "correct_answer": "No — utility bills are not acceptable. The customer needs a government-issued photo ID.",
      "correct_response": "Correct. Utility bills are not acceptable identification for transactions over $1,000. The customer must present a valid government photo ID such as a driver's license, passport, green card, or military ID.",
      "incorrect_response": "Utility bills are not acceptable for transactions over $1,000, no matter how recent they are or whether the name matches. The customer needs a government-issued photo ID — such as a driver's license, passport, green card, or military ID.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>OFAC screening — every customer, every time:</strong> Before you complete any transaction, you must check the customer's name against the OFAC list. This applies even to small transactions. The OFAC list is a government list of people and businesses you are not allowed to serve.</p><p><strong>Same-day totals count:</strong> If a customer has already done transactions today, their earlier amounts add up to the new one. If the combined total goes over $1,000, you must ask for a government photo ID — a driver's license, passport, green card, or military ID.</p>"
}