{ "question_text": "After flagging a suspicious activity indicator during a transaction, what must a teller do?", "options": [ "Complete an internal suspicious activity referral and deliver it to the BSA/AML Compliance Officer by end of shift", "File a SAR directly with the appropriate federal regulator before completing other transactions", "Refuse service to the customer and record the reason without further notification", "Wait to see if the pattern repeats before submitting a referral" ], "correct_answer": "Complete an internal suspicious activity referral and deliver it to the BSA/AML Compliance Officer by end of shift", "correct_response": "Correct. The teller's role is to observe and report — not to investigate or determine what happens next. Submitting the referral by end of shift gives the BSA/AML Compliance Officer the time needed to act within required deadlines.", "incorrect_response": "After flagging a suspicious activity indicator, the teller must complete an internal suspicious activity referral and deliver it to the BSA/AML Compliance Officer by end of shift. Tellers do not file SARs directly, refuse service unilaterally, or wait to confirm a pattern before reporting.", "unsure_response": null, "question_bank": [ { "question_text": "A customer asks what dollar amount triggers a report or requires identification. What should the teller do?", "options": [ "Flag the question as a suspicious activity indicator and include it in an internal referral", "Answer accurately to help the customer understand the reporting requirements", "Decline to answer and complete the transaction without documenting the inquiry", "Immediately refuse service and ask the customer to leave the premises" ], "correct_answer": "Flag the question as a suspicious activity indicator and include it in an internal referral", "correct_response": "Right. A customer who asks what amount triggers identification or reporting requirements is exhibiting a structuring indicator. The question itself is what needs to be documented and reported — not answered.", "incorrect_response": "When a customer asks what amount triggers a report or requires identification, that question is itself a suspicious activity indicator. The teller should flag it in an internal referral — not answer it, ignore it, or refuse service without reporting.", "unsure_response": null }, { "question_text": "Which of the following endorsement patterns is a check fraud indicator that a teller should flag?", "options": [ "An endorsement that appears freshly written on a check that looks older", "An endorsement that matches the printed name on the front of the check", "An endorsement applied before the customer arrived at the counter", "An endorsement using the same ink type as the check's printed text" ], "correct_answer": "An endorsement that appears freshly written on a check that looks older", "correct_response": "Correct. Ink inconsistent with the instrument's apparent age — such as an endorsement that looks freshly written on an older check — is an explicit red flag. Multiple instruments with identical endorsement signatures is another.", "incorrect_response": "An endorsement that appears freshly written on a check that looks older is a suspicious activity indicator because the ink is inconsistent with the instrument's apparent age. Matching names, prior endorsement, and consistent ink are not red flags.", "unsure_response": null } ], "enrichment_content": "

Key point: Your job during every transaction is to watch for indicators and report what you see.

" }