{
  "question_text": "Who does the reviewer send the report to?",
  "options": [
    "Senior management, not the BSA/AML Compliance Officer",
    "The BSA/AML Compliance Officer, who then tells senior management",
    "The Florida regulator",
    "The person who runs day-to-day operations"
  ],
  "correct_answer": "Senior management, not the BSA/AML Compliance Officer",
  "correct_response": "Right. The reviewer sends the report directly to senior management — not to the BSA/AML Compliance Officer. This keeps the review independent.",
  "incorrect_response": "The reviewer sends the report directly to senior management. It does not go to the BSA/AML Compliance Officer first. Keeping the report away from the BSA/AML Compliance Officer is what makes the review independent.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "What must happen for every problem found in the review?",
      "options": [
        "Someone must be named to fix it and given a deadline",
        "The BSA/AML Compliance Officer decides whether the problem is serious enough to act on",
        "The problem must be reported to the Florida before any action is taken",
        "Senior management must wait for the reviewer to recommend a fix"
      ],
      "correct_answer": "Someone must be named to fix it and given a deadline",
      "correct_response": "Right. Every problem found in the review must have a person named to fix it and a deadline. Someone must track each fix until it is done.",
      "incorrect_response": "Every problem found in the review must have a specific person assigned to fix it and a clear deadline. Problems without an assigned owner are a warning sign to regulators.",
      "unsure_response": null
    },
    {
      "question_text": "How long must review reports and records be kept?",
      "options": [
        "At least five years",
        "At least one year",
        "At least three years",
        "Until the next review is done"
      ],
      "correct_answer": "At least five years",
      "correct_response": "Right. Review reports and records must be kept for at least five years. Regulators can ask to see them at any time.",
      "incorrect_response": "Review reports and all related records must be kept for at least five years. Regulators can ask for them at any time — not just during a scheduled exam.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> The reviewer sends the report directly to senior management — not to the BSA/AML Compliance Officer.</p><ul><li>Every problem found must have a person named to fix it and a deadline.</li><li>Someone must track each fix until it is done.</li><li>Keep all review reports and records for at least five years.</li><li>Do not wait for a notice — keep records ready at all times.</li></ul>"
}