{
  "body_html": "<h2>Customer Acceptance and Risk Categorization</h2>\n<p>Before helping any customer, ask for a <strong>government-issued photo ID</strong> — a driver's license or passport. Write down their full name, home address, ID number, and date of birth.</p>\n<p>Next, check the customer's name against the <strong>OFAC list</strong>. This is a government list of people and organizations that businesses are not allowed to do business with. Your system will guide you through this check. Do not skip it.</p>\n<p>Write down what service the customer wants and the dollar amount.</p>\n<p>Treat every new customer as <strong>standard risk</strong> unless you see a warning sign.</p>\n<p>Stop the transaction and tell your <strong>BSA/AML Compliance Officer</strong> right away if you notice any of these:</p>\n<ul>\n<li>The amount seems too large for what the customer says they do for work.</li>\n<li>The customer wants to split or structure a transaction in a way that makes no sense.</li>\n<li>The customer is or was a foreign government official, political leader, or head of a government-owned company — or is a close family member of one.</li>\n<li>The customer lives or runs a business in a country that is on a high-risk or sanctioned list.</li>\n<li>The customer runs a money services business or currency exchange.</li>\n<li>You know there has been a past report or law enforcement inquiry involving this customer.</li>\n</ul>\n<p>Do not decide on your own whether to continue. Your <strong>BSA/AML Compliance Officer</strong> makes that call. Escalating protects <strong>Advanced Compliance Technology, Inc.</strong> and you from legal problems.</p>\n<p>If a personal customer wants to do a single transaction over <strong>$10,000</strong>, stop and notify your <strong>BSA/AML Compliance Officer</strong> before you finish. They will decide if you need to ask for proof of where the money came from.</p>",
  "narration_text": "Before helping any customer, ask for a government-issued photo ID — a driver's license or passport. Write down their full name, home address, ID number, and date of birth.\r\n\r\nNext, check the customer's name against the OFAC list. This is a government list of people and organizations that businesses are not allowed to do business with. Your system will guide you through this check. Do not skip it.\r\n\r\nWrite down what service the customer wants and the dollar amount.\r\n\r\nTreat every new customer as standard risk unless you see a warning sign.\r\n\r\nStop the transaction and tell your BSA/AML Compliance Officer right away if you notice any of these:\r\n\r\nThe amount seems too large for what the customer says they do for work.\r\nThe customer wants to split or structure a transaction in a way that makes no sense.\r\nThe customer is or was a foreign government official, political leader, or head of a government-owned company — or is a close family member of one.\r\nThe customer lives or runs a business in a country that is on a high-risk or sanctioned list.\r\nThe customer runs a money services business or currency exchange.\r\nYou know there has been a past report or law enforcement inquiry involving this customer.\r\n\r\nDo not decide on your own whether to continue. Your BSA/AML Compliance Officer makes that call. Escalating protects Advanced Compliance Technology, Inc. and you from legal problems.\r\n\r\nIf a personal customer wants to do a single transaction over $10,000, stop and notify your BSA/AML Compliance Officer before you finish. They will decide if you need to ask for proof of where the money came from."
}