{ "question_text": "You check the payroll cap ledger before cashing a corporate check and see that 90% of the employer's cap has been used. What must you do?", "options": [ "Get your manager's approval before cashing the check", "Cash the check and then alert your manager", "Notify the BSA/AML Compliance Officer directly before doing anything else", "Stop cashing all corporate checks for that employer for the rest of the policy period" ], "correct_answer": "Get your manager's approval before cashing the check", "correct_response": "Correct. At 90% of the cap, you must get your manager's approval before cashing the check. You cannot process the check first and notify your manager after.", "incorrect_response": "At 90% of the cap, you must get your manager's approval before cashing the check — not after. Stopping entirely happens at 100%, and the BSA/AML Compliance Officer is notified only if the cap is exceeded.", "unsure_response": null, "question_bank": [ { "question_text": "You check a corporate employer's file before cashing a check and find the workers' compensation policy has expired. There is no renewal paperwork in the file. What should you do?", "options": [ "Stop cashing checks for that employer and tell your manager right away", "Cash the check and leave a note for your manager to follow up", "Ask the customer to bring in new paperwork before their next visit and then process the check", "Call the BSA/AML Compliance Officer directly before telling your manager" ], "correct_answer": "Stop cashing checks for that employer and tell your manager right away", "correct_response": "Correct. If the policy has expired and there is no renewal paperwork in the file, you must stop cashing checks for that employer and tell your manager right away. Cashing a check without confirmed coverage is a criminal violation.", "incorrect_response": "When the policy has expired with no renewal paperwork on file, you must stop immediately and tell your manager right away — not cash the check and note it, and not ask the customer to come back later. Cashing a check without confirmed coverage is a criminal violation.", "unsure_response": null }, { "question_text": "Your manager tells you to verify an employer's workers' compensation coverage online. You confirm the policy is active and the dates match the file. What must you do with the search result before putting it in the customer folder?", "options": [ "Print or save it, write today's date and your name on it, and put it in the customer folder", "Email it to the BSA/AML Compliance Officer for their records", "Keep it at your workstation for the rest of the business day and then shred it", "Give a copy to the employer to confirm their coverage was checked" ], "correct_answer": "Print or save it, write today's date and your name on it, and put it in the customer folder", "correct_response": "Correct. After verifying coverage online, you must print or save the result, write today's date and your name on it, and file it in the customer folder. This proves who verified coverage and when.", "incorrect_response": "After verifying coverage online, you must print or save the result, write today's date and your name on it, and file it in the customer folder. Without your name and the date on it, there is no proof of who confirmed coverage or when the verification was done.", "unsure_response": null } ], "enrichment_content": "

Two things to check before cashing any corporate check:

" }