{
  "question_text": "What must you do before you start any transaction, no matter how small?",
  "options": [
    "Check the customer's name against the OFAC list",
    "Ask the customer for a photo ID",
    "Write down the customer's date of birth",
    "Make a copy of the check"
  ],
  "correct_answer": "Check the customer's name against the OFAC list",
  "correct_response": "Correct. You must check every customer's name against the OFAC list before processing any transaction. This applies to every amount — not just large ones.",
  "incorrect_response": "Before any transaction — even a small one — you must check the customer's name against the OFAC list. This is a government list of people and businesses you cannot do business with. If there is a match, do not complete the transaction.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "A customer wants to cash a $1,200 check but does not have a photo ID. Can you cash the check?",
      "options": [
        "No — you must have a valid photo ID for transactions over $1,000",
        "Yes — you can use their name and date of birth instead",
        "Yes — if they can show you a utility bill",
        "No — but you can call their employer to verify their identity"
      ],
      "correct_answer": "No — you must have a valid photo ID for transactions over $1,000",
      "correct_response": "Correct. For transactions over $1,000, the customer must show a valid photo ID — like a driver's license, passport, green card, or military ID. If they cannot, do not complete the transaction.",
      "incorrect_response": "For transactions over $1,000, a valid photo ID is required. Utility bills and employer calls do not take the place of a photo ID. If the customer cannot show an acceptable ID, do not complete the transaction.",
      "unsure_response": null
    },
    {
      "question_text": "Which of the following is an acceptable ID for a transaction over $1,000?",
      "options": [
        "A valid U.S. passport",
        "A Social Security card",
        "A utility bill with the customer's name and address",
        "An expired driver's license"
      ],
      "correct_answer": "A valid U.S. passport",
      "correct_response": "Correct. A valid U.S. passport is one of the acceptable IDs. Social Security cards, utility bills, and expired documents are all not acceptable.",
      "incorrect_response": "A valid U.S. passport is an acceptable ID. Social Security cards and utility bills are not acceptable, and expired documents are never acceptable no matter what type they are.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Two rules that always apply:</strong></p><ul><li>Check every customer's name against the OFAC list before any transaction — no matter the amount</li><li>If a transaction is over $1,000, the customer must show a valid photo ID — a driver's license, passport, green card, or military ID</li></ul><p><strong>If they can't show acceptable ID, do not complete the transaction.</strong> These checks are required. They protect the business and protect you.</p>"
}