{
  "question_text": "A personal customer wants to make a single transaction for $12,000. What must you do?",
  "options": [
    "Notify your BSA/AML Compliance Officer before finishing the transaction",
    "Complete the transaction and write a note in the file for your BSA/AML Compliance Officer to review later",
    "Ask the customer to split it into two smaller amounts",
    "Decline the transaction until the customer brings proof of where the money came from"
  ],
  "correct_answer": "Notify your BSA/AML Compliance Officer before finishing the transaction",
  "correct_response": "Correct. For any single transaction over $10,000 from a personal customer, you must notify your BSA/AML Compliance Officer before you finish. Your BSA/AML Compliance Officer decides what happens next.",
  "incorrect_response": "You cannot finish the transaction first and write a note later. You must notify your BSA/AML Compliance Officer before completing the transaction. You also do not ask the customer to split it — that would be the wrong action. Your BSA/AML Compliance Officer makes the call on what documentation is needed.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "When a new customer comes in, what must you check their name against before completing any transaction?",
      "options": [
        "The OFAC screening list in your system",
        "A list of prior customers who have had complaints",
        "A list of high-risk countries maintained by your manager",
        "Your company's internal records to see if they have done business before"
      ],
      "correct_answer": "The OFAC screening list in your system",
      "correct_response": "Correct. You must run every customer's name through the OFAC screening in your system. This checks whether they are on a government list of people and organizations the company cannot do business with. Never skip this step.",
      "incorrect_response": "The required check is the OFAC screening — a government list of people and organizations that businesses are not allowed to work with. Your system guides you through it. Never skip this step.",
      "unsure_response": null
    },
    {
      "question_text": "Something feels wrong — the amount seems too large for what the customer says they do for work. What should you do?",
      "options": [
        "Stop and tell your BSA/AML Compliance Officer right away",
        "Complete the transaction since the ID looks valid",
        "Ask the customer a few more questions and then decide on your own",
        "Record your concern and continue the transaction for now"
      ],
      "correct_answer": "Stop and tell your BSA/AML Compliance Officer right away",
      "correct_response": "Correct. If something feels wrong, stop and tell your BSA/AML Compliance Officer right away. Do not decide on your own whether to continue. Escalating protects Advanced Compliance Technology, Inc. and protects you from legal problems.",
      "incorrect_response": "A valid ID does not mean the transaction should go through if something feels wrong. Do not decide on your own. Stop and tell your BSA/AML Compliance Officer right away — they make the call on whether to proceed.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Every time you work with a new customer:</strong></p><ul><li>Check their government-issued photo ID and write down their basic information</li><li>Run their name through the <strong>OFAC screening</strong> in your system — never skip this step</li></ul><p><strong>Stop and tell your BSA/AML Compliance Officer right away</strong> if something feels wrong — the amount seems too large, the customer wants to split a transaction for no clear reason, or they have ties to a foreign government.</p><p>For any personal customer doing a single transaction over <strong>$10,000</strong>, notify your BSA/AML Compliance Officer before you finish. Escalating protects <strong>Advanced Compliance Technology, Inc.</strong> and protects you from legal problems.</p>"
}