{
  "question_text": "The monitoring program requires ad hoc threshold adjustments outside the annual review cycle under which of the following conditions?",
  "options": [
    "A false positive rate exceeding 40% over any 90-day window",
    "A false positive rate exceeding 25% over any 90-day window",
    "A confirmed-suspicious capture rate below 60% over any 90-day window",
    "An alert volume increase of 30% in any 90-day window"
  ],
  "correct_answer": "A false positive rate exceeding 40% over any 90-day window",
  "correct_response": "Correct. A false positive rate above 40% over any 90-day window is one of two conditions that require an ad hoc threshold adjustment — the other being a confirmed-suspicious capture rate below 80% over the same window. Both conditions signal that the program is no longer calibrated to actual risk.",
  "incorrect_response": "The program specifies two precise triggers for ad hoc adjustment: a false positive rate exceeding 40% over any 90-day window, or a confirmed-suspicious capture rate falling below 80% over any 90-day window. These are not discretionary — both conditions require action outside the annual cycle.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "After BSA/AML Compliance Officer completes an investigation of an escalated monitoring alert and assigns a 'SAR filed' disposition, what additional step is required?",
      "options": [
        "Attach the monitoring alert record to the SAR case file",
        "Close the alert log entry and mark it as cleared",
        "Transfer the alert to the threshold review log for future reference",
        "Notify the teller supervisor who escalated the original alert"
      ],
      "correct_answer": "Attach the monitoring alert record to the SAR case file",
      "correct_response": "Correct. When the disposition is SAR filed, BSA/AML Compliance Officer initiates the SAR filing process and attaches the monitoring alert record to the SAR case file. This creates a direct, auditable link between what the monitoring program detected and what was reported.",
      "incorrect_response": "When the disposition is SAR filed, the monitoring alert record must be attached to the SAR case file. This linkage is required — it connects the monitoring trigger to the filed report and is essential for examination purposes.",
      "unsure_response": null
    },
    {
      "question_text": "BSA/AML Compliance Officer maintains four monitoring records. Which record specifically cross-references monitoring alerts with SAR case numbers?",
      "options": [
        "The SAR referral log",
        "The investigation file",
        "The alert log",
        "The threshold review log"
      ],
      "correct_answer": "The SAR referral log",
      "correct_response": "Correct. The SAR referral log cross-references monitoring alerts with SAR case numbers. The alert log records all flagged transactions; the investigation file holds supporting documents; and the threshold review log records all threshold adjustments.",
      "incorrect_response": "The four monitoring records each serve a distinct purpose. The SAR referral log specifically cross-references monitoring alerts with SAR case numbers. The alert log records flagged transactions, the investigation file holds supporting documents, and the threshold review log documents threshold adjustments.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Ad hoc threshold adjustments are required — not optional.</strong> Two performance conditions trigger mandatory action outside the annual review cycle:</p><ul><li>A <strong>false positive rate exceeding 40%</strong> over any 90-day window — the program is generating unmanageable noise.</li><li>A <strong>confirmed-suspicious capture rate below 80%</strong> over any 90-day window — the program is missing actual suspicious activity.</li></ul><p>Both conditions must also be documented in the threshold review log, recording the prior threshold, the revised threshold, the data reviewed, and the rationale for the adjustment.</p>"
}