{
  "question_text": "What must happen if the BSA/AML Compliance Officer is not available to do the job?",
  "options": [
    "check cashing must stop right away",
    "The most experienced worker can take over for now",
    "The owner can cover the compliance duties",
    "Operations can continue as long as extra records are kept"
  ],
  "correct_answer": "check cashing must stop right away",
  "correct_response": "That's right. If the BSA/AML Compliance Officer is not available, check cashing must stop. Untrained staff cannot handle these duties. This rule protects Rapido Facil Exchange Co. from serious federal penalties.",
  "incorrect_response": "When the BSA/AML Compliance Officer is not available, check cashing must stop right away. Untrained employees cannot take over BSA compliance duties — not even temporarily. Ignoring this rule exposes Rapido Facil Exchange Co. to serious federal penalties.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "Do filing deadlines for required reports change during a system outage?",
      "options": [
        "No — deadlines stay the same even when systems are down",
        "Yes — deadlines are extended by 30 days during any outage",
        "Yes — deadlines pause until systems come back online",
        "Only some deadlines change — it depends on which system is down"
      ],
      "correct_answer": "No — deadlines stay the same even when systems are down",
      "correct_response": "Correct. Filing deadlines do not change during an outage. If the electronic system is down, you use the paper forms kept at your location and mail them in. Missing a deadline is a violation no matter the reason.",
      "incorrect_response": "Filing deadlines stay the same even when computer systems are down. Paper forms are kept at your location for exactly this reason. A missed deadline is a regulatory violation no matter why it was missed.",
      "unsure_response": null
    },
    {
      "question_text": "When the internet is down, what do you use to check a customer against the OFAC list before a transaction?",
      "options": [
        "The printed backup list kept at your location",
        "A call to your manager for approval",
        "The previous day's approved transaction records",
        "Skip the check and write a note in the log"
      ],
      "correct_answer": "The printed backup list kept at your location",
      "correct_response": "Correct. When the internet is down, use the printed OFAC list PDF kept at your location. You must always check every customer before any transaction — no exceptions.",
      "incorrect_response": "When the internet is down, you must still check every customer using the printed OFAC list PDF kept at your location. You cannot skip this step under any circumstances — the penalties are the same whether systems are working or not.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> Two rules never change, no matter what is happening with your systems.</p><ul><li>You must always check customers against the OFAC list before any transaction — use the printed backup if the internet is down.</li><li>If the BSA/AML Compliance Officer is not available, check cashing must stop. No one else can fill that role without proper training.</li></ul>"
}