{
  "question_text": "When directed to verify workers' compensation coverage through the Florida Division of Financial Services coverage portal, which of the following correctly describes the teller's documentation requirements for the query result?",
  "options": [
    "Print or save the result as a PDF, note the query date and the teller's name on the printout, and file it in the corporate customer file",
    "Record the policy number and expiration date in the transaction ledger and retain the query result for the current business day only",
    "Email the query result to the manager and await confirmation before proceeding with the transaction",
    "Attach the query result to the check image in the processing system and forward to the BSA/AML Compliance Officer for filing"
  ],
  "correct_answer": "Print or save the result as a PDF, note the query date and the teller's name on the printout, and file it in the corporate customer file",
  "correct_response": "Correct. The teller must print or save the query result as a PDF, note the query date and name on the printout, and file it in the corporate customer file. This creates a dated record proving coverage was confirmed at the time of the transaction.",
  "incorrect_response": "When verifying coverage online, the teller must print or save the full query result as a PDF, write the query date and their name on it, and file it in the corporate customer file. Recording only selected fields in the transaction ledger or forwarding the result to another party for filing does not satisfy the documentation requirement.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "Before processing a corporate check, a teller reviews the customer file and finds the workers' compensation policy expiration date has passed. There is no renewal documentation in the file. What must the teller do?",
      "options": [
        "Stop cashing corporate checks for that employer and immediately notify the manager",
        "Process the current check only and note the lapsed coverage in the transaction record",
        "Contact the BSA/AML Compliance Officer directly before notifying the manager",
        "Accept the check if the employer verbally confirms that renewal is pending"
      ],
      "correct_answer": "Stop cashing corporate checks for that employer and immediately notify the manager",
      "correct_response": "Correct. An expired policy with no renewal documentation on file requires an immediate stop and manager notification. Cashing against lapsed coverage carries the same criminal liability as cashing with no verification at all.",
      "incorrect_response": "When the policy expiration date has passed and no renewal documentation is on file, the teller must stop cashing all corporate checks for that employer and notify the manager immediately. Processing even one check against lapsed coverage constitutes a criminal violation — verbal confirmation from the employer is not a substitute for documented coverage.",
      "unsure_response": null
    },
    {
      "question_text": "A teller checks the payroll cap ledger and finds the running total of corporate checks cashed for an employer has reached 90% of the cap. What must the teller do before processing the next corporate check for that employer?",
      "options": [
        "Obtain manager pre-authorization before cashing any additional check",
        "Alert the employer that their remaining capacity is limited and proceed normally",
        "Notify the BSA/AML Compliance Officer and suspend check cashing pending review",
        "Verify coverage online and confirm the declaration page matches the file before proceeding"
      ],
      "correct_answer": "Obtain manager pre-authorization before cashing any additional check",
      "correct_response": "Correct. At 90% of the cap, the teller must obtain manager pre-authorization before cashing any additional corporate check. The teller may not proceed without that authorization.",
      "incorrect_response": "When the running total reaches 90% of the cap, the teller must stop and obtain manager pre-authorization before cashing any additional check. Alerting the employer happens at the 75% threshold — at 90%, manager approval is required for every individual check before it is processed.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Coverage verification and cap procedures for tellers:</strong> Every corporate check transaction requires two verifications before processing: confirm the policy expiration date has not passed, and confirm the payroll cap has not been reached. When verifying coverage online, the teller must document the result by printing or saving it as a PDF, noting the query date and name, and filing it in the corporate customer file — this creates the dated proof that coverage was confirmed at the time of the transaction. An expired policy with no renewal documentation requires an immediate stop and manager notification, not continued processing.</p>"
}