{
  "question_text": "A teller checks a corporate employer's customer file before processing a check and finds the workers' compensation policy expiration date has passed. What is the correct course of action?",
  "options": [
    "Stop processing corporate checks for that employer, check for renewal documentation, and if none is on file, notify the manager immediately",
    "Process the check and note the lapsed coverage in the transaction record for the manager's review",
    "Contact the employer directly to request updated documentation before deciding whether to proceed",
    "Reduce the check amount to a safe threshold and proceed pending coverage confirmation"
  ],
  "correct_answer": "Stop processing corporate checks for that employer, check for renewal documentation, and if none is on file, notify the manager immediately",
  "correct_response": "Correct. An expired policy expiration date means coverage has lapsed. The teller must stop, check for renewal documentation, and if none is on file, notify the manager immediately. Cashing against lapsed coverage carries the same criminal liability as cashing with no verification.",
  "incorrect_response": "When the policy expiration date has passed, the teller must stop processing corporate checks and check whether renewal documentation is on file. If no renewal documentation exists, the teller must notify the manager immediately. Processing any check — even at a reduced amount — against lapsed coverage is a criminal violation.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "Before processing a corporate check, a teller finds the running total of corporate checks cashed for an employer has reached 90% of the cap. What must the teller do?",
      "options": [
        "Obtain manager pre-authorization before cashing any additional check",
        "Alert the employer that remaining capacity is limited and process normally",
        "Stop and notify the BSA/AML Compliance Officer before taking any further action",
        "Complete the transaction and alert the manager after cashing"
      ],
      "correct_answer": "Obtain manager pre-authorization before cashing any additional check",
      "correct_response": "Correct. At 90% of the cap, the teller must obtain manager pre-authorization before cashing any additional corporate check. At that level, a single check may exhaust remaining capacity.",
      "incorrect_response": "At 90% of the cap, the teller must stop and obtain manager pre-authorization before cashing any additional check. Alerting the employer is the manager's action at the 75% threshold. The BSA/AML Compliance Officer is not involved at the 90% threshold — that escalation is reserved for cap exceedances.",
      "unsure_response": null
    },
    {
      "question_text": "A teller is directed to verify workers' compensation coverage through the Florida Division of Financial Services coverage portal. Which of the following is a required step when documenting the verification?",
      "options": [
        "Print or save the query result as a PDF and write the query date and name on the printout before filing it in the corporate customer file",
        "Send the query result to the BSA/AML Compliance Officer for review and filing within one business day",
        "Record only the policy status and expiration date in the transaction log and discard the query result",
        "Email the query result to the employer as confirmation of coverage verification"
      ],
      "correct_answer": "Print or save the query result as a PDF and write the query date and name on the printout before filing it in the corporate customer file",
      "correct_response": "Correct. The teller must print or save the full query result as a PDF, write the query date and name on the printout, and file it in the corporate customer file. This creates a dated record proving coverage was confirmed at the time of the transaction.",
      "incorrect_response": "When verifying coverage online, the teller must print or save the complete query result as a PDF, write the query date and their name on it, and file it in the corporate customer file. Recording only select fields or forwarding the result to the BSA/AML Compliance Officer does not fulfill the teller's documentation requirement.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Before processing any corporate check:</strong> Always check the policy expiration date first — a lapsed policy carries the same criminal liability as no verification at all. If the date has passed and no renewal documentation is on file, stop immediately and notify the manager. Before each transaction, also check the payroll cap ledger and follow the threshold actions: alert the manager at 75%, obtain manager pre-authorization at 90%, and stop completely at 100%. When verifying coverage online, document the result by saving it as a PDF with your name and the query date, and file it in the corporate customer file.</p>"
}