{
  "body_html": "<h2>Risk Assessment</h2>\n<p>A risk assessment is a review of your business to find where money laundering could happen. Advanced Compliance Technology, Inc. must complete one every year.</p>\n<p>You must also complete one within 30 days if any of these happen: a single person or group gains 25% or more ownership of the business, your customer base changes significantly, or a Geographic Targeting Order — a government notice flagging high-risk activity in an area — applies to Advanced Compliance Technology, Inc.'s location.</p>\n<p>Every assessment covers five areas: the products and services offered (Advanced Compliance Technology, Inc. provides check cashing, money transmission, payment instrument sales, foreign currency exchange), the types of customers served, the locations where business happens, transaction volume trends, and any changes in regulations.</p>\n<p>For each area, follow five steps:</p>\n<ol>\n<li><strong>List what you do.</strong> Write down all products, services, customer types, and locations.</li>\n<li><strong>Rate the raw risk.</strong> Score each area before considering any protections.</li>\n<li><strong>Check your protections.</strong> Review your policies and procedures. Decide if each one actually addresses the risk.</li>\n<li><strong>Measure what's left.</strong> Rate the risk that remains after protections. Flag any area that is still too risky.</li>\n<li><strong>Write it up.</strong> Record your findings and submit the report to the owner or principal for approval.</li>\n</ol>\n<p>You must complete a new assessment before launching any new product, service, channel, or location.</p>\n<p>Keep every completed assessment for at least five years.</p>",
  "narration_text": "A risk assessment is a review of your business to find where money laundering could happen. Advanced Compliance Technology, Inc. must complete one every year.\r\n\r\nYou must also complete one within 30 days if any of these happen: a single person or group gains 25% or more ownership of the business, your customer base changes significantly, or a Geographic Targeting Order — a government notice flagging high-risk activity in an area — applies to Advanced Compliance Technology, Inc.'s location.\r\n\r\nEvery assessment covers five areas: the products and services offered (Advanced Compliance Technology, Inc. provides check cashing, money transmission, payment instrument sales, foreign currency exchange), the types of customers served, the locations where business happens, transaction volume trends, and any changes in regulations.\r\n\r\nFor each area, follow five steps:\r\n\r\nList what you do. Write down all products, services, customer types, and locations.\r\nRate the raw risk. Score each area before considering any protections.\r\nCheck your protections. Review your policies and procedures. Decide if each one actually addresses the risk.\r\nMeasure what's left. Rate the risk that remains after protections. Flag any area that is still too risky.\r\nWrite it up. Record your findings and submit the report to the owner or principal for approval.\r\n\r\nYou must complete a new assessment before launching any new product, service, channel, or location.\r\n\r\nKeep every completed assessment for at least five years."
}