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