{
  "question_text": "After checking a customer's ID, what is the next required step before completing their transaction?",
  "options": [
    "Screen the customer's name against the OFAC list",
    "Record the service type and dollar amount of the transaction",
    "Ask the customer about the source of their funds",
    "Notify your BSA/AML Compliance Officer of the customer's identity"
  ],
  "correct_answer": "Screen the customer's name against the OFAC list",
  "correct_response": "Correct. After collecting the customer's ID information, you must screen their name against the OFAC list before completing the transaction. This is a required step — do not skip it. The OFAC list identifies people and organizations that Advanced Compliance Technology, Inc. is not allowed to do business with.",
  "incorrect_response": "Recording the transaction details and notifying the BSA/AML Compliance Officer come later in the process. The required step immediately after ID collection is the OFAC check. Never skip this step.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "What information must you write down from a customer's government-issued photo ID?",
      "options": [
        "Full name, home address, ID number, and date of birth",
        "Full name and ID number only; home address is collected separately on the transaction form",
        "Full name, date of birth, and expiration date of the ID",
        "ID number and the issuing jurisdiction; personal address is not required"
      ],
      "correct_answer": "Full name, home address, ID number, and date of birth",
      "correct_response": "Correct. You must record all four pieces of information from the customer's ID: full name, home address, ID number, and date of birth. This creates a verified record that ties the transaction to a specific individual.",
      "incorrect_response": "All four pieces of information are required — full name, home address, ID number, and date of birth. Recording only the name and ID number, or only some fields, does not meet the standard.",
      "unsure_response": null
    },
    {
      "question_text": "A customer wants to split a large transaction into two smaller amounts and cannot explain why. What should you do?",
      "options": [
        "Stop and tell your BSA/AML Compliance Officer right away",
        "Complete the transactions as requested and note the customer's preference in the file",
        "Decline both transactions and ask the customer to return with documentation",
        "Complete the smaller of the two transactions and hold the second pending review"
      ],
      "correct_answer": "Stop and tell your BSA/AML Compliance Officer right away",
      "correct_response": "Correct. A customer wanting to split a transaction in a way that makes no sense is a warning sign. Stop and tell your BSA/AML Compliance Officer right away. Do not decide on your own whether to continue.",
      "incorrect_response": "Completing any part of a suspicious transaction on your own is not the correct response. When something feels wrong — including a customer wanting to split a transaction for no clear reason — stop everything and tell your BSA/AML Compliance Officer right away.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Before helping any customer, follow these steps in order:</strong></p><ul><li>Ask for a government-issued photo ID</li><li>Write down their full name, home address, ID number, and date of birth</li><li>Check their name against the <strong>OFAC list</strong> — never skip this step</li><li>Write down what service they want and the dollar amount</li></ul><p>Stop and tell your <strong>BSA/AML Compliance Officer</strong> right away if the amount seems too large for their job, they want to split a transaction for no reason, they are connected to a foreign government, or they live in a country on a high-risk list.</p><p>For any personal customer doing a single transaction over <strong>$10,000</strong>, notify your BSA/AML Compliance Officer before you finish.</p>"
}