{
  "question_text": "To which of Advanced Compliance Technology, Inc.'s services does the written compliance program apply?",
  "options": [
    "All services, including check cashing, money transmission, payment instrument sales, foreign currency exchange.",
    "Only transactions that exceed applicable federal reporting thresholds.",
    "Services specifically flagged as high-risk in the most recent examination.",
    "Services that were added after the most recent program update."
  ],
  "correct_answer": "All services, including check cashing, money transmission, payment instrument sales, foreign currency exchange.",
  "correct_response": "Correct. The compliance program applies to all services Advanced Compliance Technology, Inc. provides, including check cashing, money transmission, payment instrument sales, foreign currency exchange. There are no service-based exemptions.",
  "incorrect_response": "The compliance program applies to all services Advanced Compliance Technology, Inc. provides, including check cashing, money transmission, payment instrument sales, foreign currency exchange. It is not limited to high-value transactions, flagged services, or recently added services.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "What does Advanced Compliance Technology, Inc.'s written compliance program require for each transaction you process?",
      "options": [
        "Every transaction must conform to the compliance program.",
        "Only transactions above the compliance reporting threshold require conformance.",
        "Conformance is required only for transactions involving new or unfamiliar customers.",
        "Transactions are reviewed by the BSA/AML Compliance Officer for compliance after processing."
      ],
      "correct_answer": "Every transaction must conform to the compliance program.",
      "correct_response": "Correct. Every transaction you process must conform to the compliance program — this applies across all services, every time.",
      "incorrect_response": "Every transaction you process must conform to the compliance program. This is not limited to transactions above a threshold or those involving specific customer types.",
      "unsure_response": null
    },
    {
      "question_text": "Who manages Advanced Compliance Technology, Inc.'s written compliance program and its documentation?",
      "options": [
        "The BSA/AML Compliance Officer.",
        "Each employee is responsible for maintaining records related to their own transactions.",
        "The Florida licensing authority, as part of its ongoing oversight function.",
        "An independent compliance auditor retained by Advanced Compliance Technology, Inc. on an annual basis."
      ],
      "correct_answer": "The BSA/AML Compliance Officer.",
      "correct_response": "Correct. The BSA/AML Compliance Officer manages the compliance program and its documentation.",
      "incorrect_response": "The BSA/AML Compliance Officer manages Advanced Compliance Technology, Inc.'s written compliance program and all related documentation. This is a designated role responsibility.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> Advanced Compliance Technology, Inc.'s written compliance program applies to all services it provides, including check cashing, money transmission, payment instrument sales, foreign currency exchange. Every transaction you process must conform to this program — no exceptions based on transaction type, amount, or customer.</p><p>The BSA/AML Compliance Officer is responsible for managing the program and its documentation.</p>"
}