{
  "body_html": "<h2>Corporate Check Cashing and Workers' Compensation</h2>\n<p>Before you cash a corporate paycheck, you must check two things.</p>\n<p><strong>First, check the employer's workers' compensation coverage.</strong> Workers' compensation is insurance that pays employees who get hurt at work. Employers who pay workers in cash must have this insurance active. Open the corporate customer file and look at the policy expiration date. If that date has passed, do not cash the check. If there is no renewal paperwork in the file, stop cashing all checks for that employer and tell your manager right away. Do not start again until your manager confirms new coverage is on file. Cashing a check without confirmed coverage is a criminal violation.</p>\n<p><strong>Second, check the payroll cap.</strong> The payroll cap is the maximum dollar amount an employer can cash in checks during one policy period. Open the payroll cap ledger and find how much of the cap has been used so far.</p>\n<p>Use this table to know what to do:</p>\n<p>| Cap used | What you must do | |---|---| | 75% | Tell your manager. | | 90% | Get your manager's approval before cashing the check. | | 100% | Stop. Do not cash any more corporate checks this policy period. | | Over 100% | Notify the <strong>BSA/AML Compliance Officer</strong> the same business day. |</p>\n<p>If your manager tells you to verify coverage online, go to the <strong>Florida Division of Financial Services coverage portal</strong>. Search by the employer's tax ID or business name. Confirm the policy is active and the dates match the file. Print or save the result, write today's date and your name on it, and file it in the customer folder.</p>\n<p>If the employer has an exemption, record the exemption category and file the paperwork in the customer folder.</p>",
  "narration_text": "Before you cash a corporate paycheck, you must check two things.\r\n\r\nFirst, check the employer's workers' compensation coverage. Workers' compensation is insurance that pays employees who get hurt at work. Employers who pay workers in cash must have this insurance active. Open the corporate customer file and look at the policy expiration date. If that date has passed, do not cash the check. If there is no renewal paperwork in the file, stop cashing all checks for that employer and tell your manager right away. Do not start again until your manager confirms new coverage is on file. Cashing a check without confirmed coverage is a criminal violation.\r\n\r\nSecond, check the payroll cap. The payroll cap is the maximum dollar amount an employer can cash in checks during one policy period. Open the payroll cap ledger and find how much of the cap has been used so far.\r\n\r\nUse this table to know what to do:\r\n\r\n| Cap used | What you must do |\r\n|---|---|\r\n| 75% | Tell your manager. |\r\n| 90% | Get your manager's approval before cashing the check. |\r\n| 100% | Stop. Do not cash any more corporate checks this policy period. |\r\n| Over 100% | Notify the BSA/AML Compliance Officer the same business day. |\r\n\r\nIf your manager tells you to verify coverage online, go to the Florida Division of Financial Services coverage portal. Search by the employer's tax ID or business name. Confirm the policy is active and the dates match the file. Print or save the result, write today's date and your name on it, and file it in the customer folder.\r\n\r\nIf the employer has an exemption, record the exemption category and file the paperwork in the customer folder."
}