{
  "question_text": "You are about to cash a corporate paycheck. You check the file and see the employer's workers' compensation coverage has expired. What should you do?",
  "options": [
    "Stop and tell your manager right away",
    "Cash the check and note the expired coverage in the log",
    "Ask the customer to bring in new paperwork before their next visit",
    "Contact the BSA/AML Compliance Officer directly before doing anything else"
  ],
  "correct_answer": "Stop and tell your manager right away",
  "correct_response": "Correct. If the coverage has expired, stop and tell your manager right away. Do not cash the check. Cashing a check without confirmed coverage is a criminal violation.",
  "incorrect_response": "If the coverage has expired, you must stop and tell your manager right away — not cash the check, not ask the customer to come back later. Your manager handles what happens next. Cashing a check without confirmed coverage is a criminal violation.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "You check the payroll cap ledger and see the cap has been reached — 100% of the limit has been used. What must you do?",
      "options": [
        "Stop cashing corporate checks for that employer",
        "Cash this one check and then stop",
        "Ask your manager if it is okay to continue",
        "Notify the BSA/AML Compliance Officer and keep cashing checks until you hear back"
      ],
      "correct_answer": "Stop cashing corporate checks for that employer",
      "correct_response": "Correct. When the cap has been reached, stop cashing corporate checks for that employer. No more checks can be cashed under that policy period.",
      "incorrect_response": "When the cap is at 100%, you must stop cashing corporate checks for that employer right away. You do not cash one more check, and you do not wait to hear back before stopping — the limit is a hard stop.",
      "unsure_response": null
    },
    {
      "question_text": "The payroll cap was exceeded because of a processing error. Who must be notified, and when?",
      "options": [
        "The BSA/AML Compliance Officer must be notified the same business day",
        "The manager must be notified within three days to review the error",
        "The state must be notified before any other action is taken",
        "No notification is needed if it was an accident"
      ],
      "correct_answer": "The BSA/AML Compliance Officer must be notified the same business day",
      "correct_response": "Correct. If the cap is exceeded, the BSA/AML Compliance Officer must be notified the same business day — even if the overage was caused by an error.",
      "incorrect_response": "If the payroll cap is exceeded, the BSA/AML Compliance Officer must be notified the same business day. It does not matter that it was an accident — same-day notification is still required.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Two things to check before cashing any corporate paycheck:</strong></p><ul><li><strong>Workers' compensation coverage:</strong> Look at the expiration date in the file. If it has passed and there is no new paperwork, do not cash the check — stop and tell your manager right away. Cashing without confirmed coverage is a criminal violation.</li><li><strong>Payroll cap:</strong> If the cap has been reached, stop cashing checks for that employer. If the cap is exceeded, tell the BSA/AML Compliance Officer the same day.</li></ul><p>When in doubt, stop and ask your manager.</p>"
}