{
  "body_html": "<h2>Compliance Training Program</h2>\n<p>Complete your <strong>initial AML/CFT training</strong> within 30 days of your start date. You must not process customer transactions without supervision until this training is complete.</p>\n<p>Complete <strong>refresher training</strong> every six months. Advanced Compliance Technology, Inc. classifies the teller role as higher-risk because you process transactions at the window.</p>\n<p>The <strong>BSA/AML Compliance Officer</strong> may require additional training outside the regular schedule. This happens when regulations change, when an examination finds a deficiency, or when a reporting error occurs.</p>\n<p>Your training covers: Advanced Compliance Technology, Inc.'s AML program, customer identification, suspicious activity identification, internal escalation, CTR and SAR triggers, OFAC screening, recordkeeping, and customer privacy.</p>\n<p><strong>For every check cashing transaction:</strong></p>\n<ol>\n<li>Verify a valid <strong>government-issued photo ID</strong>. Accepted IDs include photo IDs issued by any U.S. state or territory.</li>\n<li>For <strong>corporate check cashing</strong>, verify the applicable limit before processing. A 200% workers' compensation policy aggregate cap applies per customer. Exceeding the cap violates Advanced Compliance Technology, Inc.'s licensing obligations.</li>\n<li>Apply all <strong>transaction exclusions</strong> for corporate check cashing at the window for every applicable transaction.</li>\n</ol>\n<p><strong>If the check cashing database is unavailable:</strong></p>\n<ol>\n<li>Continue processing transactions.</li>\n<li>Submit all backlogged database entries within two business days after the system is restored.</li>\n</ol>\n<p><strong>Watch for red flags during every transaction.</strong> Red flags include:</p>\n<ul>\n<li>Split transactions</li>\n<li>Repeat presentment</li>\n<li>Altered or suspicious instruments</li>\n<li>Structuring behavior</li>\n</ul>\n<p>When you observe a red flag, escalate immediately to your supervisor or the <strong>BSA/AML Compliance Officer</strong>.</p>\n<p><strong>After each training event:</strong></p>\n<ol>\n<li>Complete a written or electronic <strong>assessment</strong>.</li>\n<li>You must score <strong>80% or higher</strong> to pass.</li>\n<li>If you score below 80%, complete remedial training and reassess within <strong>15 days</strong>.</li>\n<li>Assessment results are included in your training record.</li>\n</ol>",
  "narration_text": "Complete your initial AML/CFT training within 30 days of your start date. You must not process customer transactions without supervision until this training is complete.\r\n\r\nComplete refresher training every six months. Advanced Compliance Technology, Inc. classifies the teller role as higher-risk because you process transactions at the window.\r\n\r\nThe BSA/AML Compliance Officer may require additional training outside the regular schedule. This happens when regulations change, when an examination finds a deficiency, or when a reporting error occurs.\r\n\r\nYour training covers: Advanced Compliance Technology, Inc.'s AML program, customer identification, suspicious activity identification, internal escalation, CTR and SAR triggers, OFAC screening, recordkeeping, and customer privacy.\r\n\r\nFor every check cashing transaction:\r\n\r\nVerify a valid government-issued photo ID. Accepted IDs include photo IDs issued by any U.S. state or territory.\r\nFor corporate check cashing, verify the applicable limit before processing. A 200% workers' compensation policy aggregate cap applies per customer. Exceeding the cap violates Advanced Compliance Technology, Inc.'s licensing obligations.\r\nApply all transaction exclusions for corporate check cashing at the window for every applicable transaction.\r\n\r\nIf the check cashing database is unavailable:\r\n\r\nContinue processing transactions.\r\nSubmit all backlogged database entries within two business days after the system is restored.\r\n\r\nWatch for red flags during every transaction. Red flags include:\r\n\r\nSplit transactions\r\nRepeat presentment\r\nAltered or suspicious instruments\r\nStructuring behavior\r\n\r\nWhen you observe a red flag, escalate immediately to your supervisor or the BSA/AML Compliance Officer.\r\n\r\nAfter each training event:\r\n\r\nComplete a written or electronic assessment.\r\nYou must score 80% or higher to pass.\r\nIf you score below 80%, complete remedial training and reassess within 15 days.\r\nAssessment results are included in your training record."
}