{
  "question_text": "How often must your transactions follow the compliance program at Advanced Compliance Technology, Inc.?",
  "options": [
    "Every single transaction — no exceptions",
    "Most transactions, especially ones involving new customers",
    "Transactions that are flagged for review by your supervisor",
    "Transactions above the threshold that requires a compliance check"
  ],
  "correct_answer": "Every single transaction — no exceptions",
  "correct_response": "Right. Every single transaction must follow the compliance program. Not most of them — all of them. There are no exceptions.",
  "incorrect_response": "Every transaction must follow the compliance program — every single one. You do not get to decide when to follow it and when to skip it.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "The compliance program covers the services listed under check cashing, money transmission, payment instrument sales, foreign currency exchange. You process a routine transaction under one of those services. Does the compliance program apply to that transaction?",
      "options": [
        "Yes — the compliance program applies to every transaction under check cashing, money transmission, payment instrument sales, foreign currency exchange, including routine ones",
        "No — routine transactions follow standard procedures, not the compliance program",
        "Yes — but only if the customer has had compliance issues in the past",
        "No — the compliance program applies only to transactions that present a risk"
      ],
      "correct_answer": "Yes — the compliance program applies to every transaction under check cashing, money transmission, payment instrument sales, foreign currency exchange, including routine ones",
      "correct_response": "Right. The compliance program applies to every transaction under check cashing, money transmission, payment instrument sales, foreign currency exchange — including routine ones. There are no exceptions.",
      "incorrect_response": "The compliance program applies to every transaction under check cashing, money transmission, payment instrument sales, foreign currency exchange — including routine ones. The type of transaction or customer does not change this requirement.",
      "unsure_response": null
    },
    {
      "question_text": "Who writes and maintains the compliance program at Advanced Compliance Technology, Inc.?",
      "options": [
        "The BSA/AML Compliance Officer",
        "All employees together, as the program applies to everyone",
        "The branch manager at each location",
        "The Florida licensing authority"
      ],
      "correct_answer": "The BSA/AML Compliance Officer",
      "correct_response": "Right. The BSA/AML Compliance Officer is in charge of the compliance program. This person writes it, keeps it updated, and maintains all the records related to it.",
      "incorrect_response": "The BSA/AML Compliance Officer is the person in charge of the compliance program. This person writes it, keeps it updated, and maintains all the records related to it.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> Every transaction you process must follow the compliance program — every single one, with no exceptions. This applies to every service listed under check cashing, money transmission, payment instrument sales, foreign currency exchange, every day.</p><p>The BSA/AML Compliance Officer is the person in charge of the compliance program. They write it, keep it updated, and maintain all the records related to it.</p>"
}