{
  "body_html": "<h2>Compliance Training Program</h2>\n<p>You must complete initial AML/CFT training within 30 days of your start date. You may not process customer transactions without supervision until this training is complete. Completing training first ensures you apply required procedures from your first transaction.</p>\n<p>As a teller, you must 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. More frequent training keeps your compliance knowledge current.</p>\n<p>The BSA/AML Compliance Officer may require additional training outside the regular schedule. This occurs when regulations change, when an examination identifies a deficiency, or when a reporting error occurs during operations.</p>\n<p>Your training covers Advanced Compliance Technology, Inc.'s AML program and customer identification procedures. Additional topics include suspicious activity identification and internal escalation procedures. Your training also covers CTR and SAR triggers, OFAC screening, recordkeeping requirements, and customer privacy obligations.</p>\n<p>For every check cashing transaction, you must verify a valid government-issued photo ID. Accepted IDs include photo IDs issued by any U.S. state or territory. ID verification confirms the customer's identity before funds are released.</p>\n<p>A 200% workers' compensation policy aggregate cap limits corporate check cashing per customer. You must verify the applicable limit before processing each corporate check transaction. Exceeding the cap violates Advanced Compliance Technology, Inc.'s licensing obligations. Advanced Compliance Technology, Inc. excludes certain transaction types from corporate check cashing eligibility. You must apply those exclusions at the window for every applicable transaction.</p>\n<p>If the check cashing database is unavailable, continue processing transactions. You must submit all backlogged database entries within two business days after the system is restored. Delayed entries create gaps in the required transaction record.</p>\n<p>You must 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. Prompt escalation allows the BSA/AML Compliance Officer to determine whether a regulatory report is required.</p>\n<p>After each training event, you must complete a written or electronic assessment. A score of 80% or higher is required to pass. If you score below 80%, you must complete remedial training and reassess within 15 days. Advanced Compliance Technology, Inc. includes assessment results in your training record.</p>",
  "narration_text": "You must complete initial AML/CFT training within 30 days of your start date. You may not process customer transactions without supervision until this training is complete. Completing training first ensures you apply required procedures from your first transaction.\r\n\r\nAs a teller, you must 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. More frequent training keeps your compliance knowledge current.\r\n\r\nThe BSA/AML Compliance Officer may require additional training outside the regular schedule. This occurs when regulations change, when an examination identifies a deficiency, or when a reporting error occurs during operations.\r\n\r\nYour training covers Advanced Compliance Technology, Inc.'s AML program and customer identification procedures. Additional topics include suspicious activity identification and internal escalation procedures. Your training also covers CTR and SAR triggers, OFAC screening, recordkeeping requirements, and customer privacy obligations.\r\n\r\nFor every check cashing transaction, you must verify a valid government-issued photo ID. Accepted IDs include photo IDs issued by any U.S. state or territory. ID verification confirms the customer's identity before funds are released.\r\n\r\nA 200% workers' compensation policy aggregate cap limits corporate check cashing per customer. You must verify the applicable limit before processing each corporate check transaction. Exceeding the cap violates Advanced Compliance Technology, Inc.'s licensing obligations. Advanced Compliance Technology, Inc. excludes certain transaction types from corporate check cashing eligibility. You must apply those exclusions at the window for every applicable transaction.\r\n\r\nIf the check cashing database is unavailable, continue processing transactions. You must submit all backlogged database entries within two business days after the system is restored. Delayed entries create gaps in the required transaction record.\r\n\r\nYou must 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. Prompt escalation allows the BSA/AML Compliance Officer to determine whether a regulatory report is required.\r\n\r\nAfter each training event, you must complete a written or electronic assessment. A score of 80% or higher is required to pass. If you score below 80%, you must complete remedial training and reassess within 15 days. Advanced Compliance Technology, Inc. includes assessment results in your training record."
}