{
  "question_text": "During a transaction, you notice a customer splitting one large check into several smaller amounts. What should you do?",
  "options": [
    "Tell your supervisor or the BSA/AML Compliance Officer right away",
    "Complete all the transactions as requested — it is not your job to question the customer",
    "Refuse to process any of the transactions",
    "Note it in your shift log and report it at the end of your shift"
  ],
  "correct_answer": "Tell your supervisor or the BSA/AML Compliance Officer right away",
  "correct_response": "Splitting a large transaction into smaller amounts is a red flag called structuring. When you see a red flag, you must tell your supervisor or the BSA/AML Compliance Officer right away. You should not handle it on your own.",
  "incorrect_response": "Splitting a large transaction into smaller amounts is a red flag called structuring. When you see any red flag, you must report it to your supervisor or the BSA/AML Compliance Officer immediately — not at the end of your shift and not on your own.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "The check cashing database is down during your shift. What should you do?",
      "options": [
        "Keep processing transactions and enter all the missing records within two business days after the system comes back",
        "Stop processing transactions until the system is fixed",
        "Process transactions and enter the records by the end of the business day when the system is restored",
        "Ask the BSA/AML Compliance Officer whether to continue before processing any transactions"
      ],
      "correct_answer": "Keep processing transactions and enter all the missing records within two business days after the system comes back",
      "correct_response": "You must keep processing transactions when the database is down. All missing records must be entered within two business days after the system is back. Waiting creates gaps in the required transaction record.",
      "incorrect_response": "Transactions must continue during a database outage — stopping is not the correct response. The rule is to enter all missing records within two business days after the system is restored, not by end of day.",
      "unsure_response": null
    },
    {
      "question_text": "How often must you complete refresher training as a teller?",
      "options": [
        "Every six months",
        "Once a year",
        "Every three months",
        "Only when the BSA/AML Compliance Officer assigns it after a rule change"
      ],
      "correct_answer": "Every six months",
      "correct_response": "Tellers must complete refresher training every six months. Rapido Facil Exchange Co. considers the teller role higher-risk because you handle cash transactions directly with customers.",
      "incorrect_response": "Tellers train every six months — not once a year. The more frequent schedule reflects the higher-risk nature of the teller role.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Red flags to watch for during every transaction:</strong></p><ul><li>A customer splits one big transaction into smaller ones</li><li>A customer presents the same check more than once</li><li>A check looks altered or suspicious</li><li>A customer seems to be avoiding a reporting limit</li></ul><p>When you see any of these, tell your supervisor or the BSA/AML Compliance Officer right away. Do not handle it yourself or wait until later.</p><p><strong>Database outage:</strong> Keep processing transactions. Enter all missing records within two business days after the system is restored.</p>"
}