{
  "question_text": "When you notice something suspicious during a transaction, what should you do?",
  "options": [
    "Complete an internal suspicious activity referral and give it to your BSA/AML Compliance Officer before your shift ends",
    "Decide on your own whether a crime happened and refuse service if you think something is wrong",
    "Wait to see if the same customer comes back before taking any action",
    "Ask the customer directly about what seems suspicious before reporting anything"
  ],
  "correct_answer": "Complete an internal suspicious activity referral and give it to your BSA/AML Compliance Officer before your shift ends",
  "correct_response": "Correct. Your job is to notice and report — not to decide whether a crime happened. Complete the referral and give it to your BSA/AML Compliance Officer before your shift ends.",
  "incorrect_response": "When something seems suspicious, complete an internal suspicious activity referral and give it to your BSA/AML Compliance Officer before your shift ends. You do not decide whether a crime happened, refuse service on your own, wait for a repeat, or confront the customer.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "A customer cannot confirm basic information from their own ID. What does this mean?",
      "options": [
        "This is a red flag that should be included in an internal suspicious activity referral",
        "This is normal and does not need to be reported",
        "You should ask for a second form of ID and complete the transaction",
        "This is only suspicious if the customer is also presenting a check made out to someone else"
      ],
      "correct_answer": "This is a red flag that should be included in an internal suspicious activity referral",
      "correct_response": "Right. A customer who cannot confirm basic information from their own ID is a suspicious activity indicator. Report it — do not treat it as a routine issue or require a second ID before acting.",
      "incorrect_response": "When a customer cannot confirm basic information from their own ID, that is a red flag. It should be included in an internal suspicious activity referral. It is not normal, it does not require a second ID, and it is suspicious on its own — not only when combined with other factors.",
      "unsure_response": null
    },
    {
      "question_text": "Who decides whether a SAR gets filed after you submit a suspicious activity referral?",
      "options": [
        "Your BSA/AML Compliance Officer",
        "You, the teller who observed the suspicious activity",
        "The branch manager on duty",
        "The customer's bank"
      ],
      "correct_answer": "Your BSA/AML Compliance Officer",
      "correct_response": "Correct. Your job ends when you submit the referral. The decision to file a SAR belongs to your BSA/AML Compliance Officer — not to you, your manager, or the customer's bank.",
      "incorrect_response": "The decision to file a SAR belongs to your BSA/AML Compliance Officer. Tellers, managers, and outside banks do not make this decision. Your job is to report what you see — not to decide what happens next.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> When something seems wrong, your job is to report it — not to figure out if a crime happened.</p><ul><li>Complete an <strong>internal suspicious activity referral</strong> when you notice a red flag.</li><li>Give it to your BSA/AML Compliance Officer <strong>before your shift ends</strong>.</li><li>The decision to file a report belongs to your <strong>BSA/AML Compliance Officer</strong> — not to you.</li></ul>"
}