{
  "question_text": "How long must all monitoring records be kept?",
  "options": [
    "Five years",
    "One year",
    "Three years",
    "Until the next examination"
  ],
  "correct_answer": "Five years",
  "correct_response": "Correct. All monitoring records must be kept for five years. Records that are missing during an exam are a serious problem.",
  "incorrect_response": "All monitoring records must be kept for five years. Keeping them for a shorter time — one year, three years, or just until the next exam — is not enough. Missing records during an exam are a serious problem.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "When you receive a monitoring alert, what must you do?",
      "options": [
        "Review the customer's records, make a decision, and write it down",
        "File a report with regulators and close the alert",
        "Forward it to the teller who handled the transaction",
        "Wait 30 days to see if similar activity happens before deciding"
      ],
      "correct_answer": "Review the customer's records, make a decision, and write it down",
      "correct_response": "Correct. When you get an alert, you must review the customer's records, make a decision, and write it down. Every alert must have a written record of what you decided.",
      "incorrect_response": "When you receive a monitoring alert, you must review the customer's records, make a decision, and write it down. Every alert needs a written record — without it, there is no proof the alert was properly handled.",
      "unsure_response": null
    },
    {
      "question_text": "Why is it important to keep all monitoring records?",
      "options": [
        "Records that are missing during an exam are a serious problem",
        "Records help customers understand why their transactions were reviewed",
        "Records are only needed if a suspicious activity report was filed",
        "Records help tellers decide which transactions to flag in the future"
      ],
      "correct_answer": "Records that are missing during an exam are a serious problem",
      "correct_response": "Correct. Monitoring records must be kept because records that are missing during an exam are a serious problem. Examiners can ask to see these records at any time.",
      "incorrect_response": "All monitoring records must be kept because records that are missing during an exam are a serious problem. This applies to all records — not just ones connected to a filed report. Examiners can review these records at any time.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Three things to remember about your monitoring job:</strong></p><ul><li>Watch for unusual activity — large cash amounts, repeated check cashing, or customers who seem out of place.</li><li>When you get an alert, review the records, make a decision, and <strong>write it down</strong>.</li><li>Keep all records for <strong>five years</strong>. Records that are missing during an exam are a serious problem.</li></ul>"
}