{
  "question_text": "When you decline a prohibited transaction and no money has changed hands, which of the following is prohibited?",
  "options": [
    "Mentioning OFAC, sanctions lists, or any compliance reason to the customer",
    "Notifying the BSA/AML Compliance Officer immediately after the customer leaves",
    "Accepting the customer's documents temporarily while the decision is being made",
    "Asking the customer to return at a later time to complete the transaction"
  ],
  "correct_answer": "Mentioning OFAC, sanctions lists, or any compliance reason to the customer",
  "correct_response": "You must not mention OFAC, sanctions lists, or any compliance reason to the customer. Say only that Advanced Compliance Technology, Inc. cannot process the transaction. Providing additional information may alert the customer and compromise the required compliance review.",
  "incorrect_response": "When declining a prohibited transaction, you may only tell the customer that Advanced Compliance Technology, Inc. cannot process it. Mentioning OFAC, sanctions lists, or any compliance reason is explicitly prohibited — it may alert the customer and compromise the review.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "When screening returns a confirmed SDN match, which of the following is a required step?",
      "options": [
        "Halt the transaction and do not return any funds, checks, or documents to the customer",
        "Return any received documents to the customer and ask them to wait",
        "Complete the transaction and hold a copy of the records for the BSA/AML Compliance Officer",
        "Ask the customer for additional identification before halting"
      ],
      "correct_answer": "Halt the transaction and do not return any funds, checks, or documents to the customer",
      "correct_response": "A confirmed SDN match requires an immediate halt. You must not return funds, checks, or documents — doing so could release blocked property. Notify the BSA/AML Compliance Officer within one business hour.",
      "incorrect_response": "A confirmed SDN match requires halting the transaction immediately and holding all funds, checks, and documents. Nothing may be returned to the customer before the BSA/AML Compliance Officer is involved.",
      "unsure_response": null
    },
    {
      "question_text": "When must SDN screening be completed relative to the transaction?",
      "options": [
        "Before accepting any check and before disbursing any cash",
        "At any point during the transaction, as long as it is done before the customer leaves",
        "After accepting a check but before processing begins",
        "After disbursing cash, if the system generates a post-transaction alert"
      ],
      "correct_answer": "Before accepting any check and before disbursing any cash",
      "correct_response": "Screening must be completed before accepting any check and before disbursing any cash. You must have the screening result in hand before the transaction starts — not during or after.",
      "incorrect_response": "Screening must happen before the transaction begins — before accepting a check and before disbursing cash. Completing screening after accepting documents or after disbursing cash is too late.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Prohibited transaction:</strong> Tell the customer only that Advanced Compliance Technology, Inc. cannot process the transaction. Do not mention OFAC, sanctions lists, or any compliance reason — this protects the integrity of the compliance review.</p><p><strong>Confirmed SDN match:</strong> Halt immediately. Hold all funds and documents. Notify the BSA/AML Compliance Officer within one business hour.</p>"
}