{
  "question_text": "A check cashing transaction you are processing seems unusual. What must you do before completing it?",
  "options": [
    "Stop and escalate to your supervisor or the BSA/AML Compliance Officer",
    "Complete the transaction and document the unusual details afterward",
    "Apply extra scrutiny and proceed if you do not identify a clear violation",
    "Decline the transaction and note the reason in the transaction log"
  ],
  "correct_answer": "Stop and escalate to your supervisor or the BSA/AML Compliance Officer",
  "correct_response": "Correct. When a transaction is unusual or you are unsure how to proceed, you must stop before completing it and escalate. The BSA/AML Compliance Officer makes compliance determinations — not individual tellers.",
  "incorrect_response": "An unusual transaction must be escalated before it is completed — not after. You must stop and contact your supervisor or the BSA/AML Compliance Officer. Applying extra scrutiny and proceeding on your own is not an acceptable substitute.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "During a transaction, the federal rule and the Florida rule impose different requirements. What must you do?",
      "options": [
        "Follow the stricter one — applying only one framework is a compliance failure",
        "Follow the federal rule, as it governs MSB transactions",
        "Follow the Florida rule, as it reflects local regulatory requirements",
        "Follow whichever rule is less restrictive for this type of transaction"
      ],
      "correct_answer": "Follow the stricter one — applying only one framework is a compliance failure",
      "correct_response": "Correct. Both frameworks apply at the same time. When they conflict, follow the stricter one. Applying only one is a compliance failure — even if unintentional.",
      "incorrect_response": "Both frameworks apply simultaneously to every transaction. When they conflict, you must follow the stricter one. Applying only one is a compliance failure regardless of which one you chose.",
      "unsure_response": null
    },
    {
      "question_text": "What obligations does Rapido Facil Exchange Co.'s Part III, Chapter 560, Florida Statutes license create for you on every transaction?",
      "options": [
        "Stay within transaction limits, verify customer identification, and apply restrictions on certain check types — every time",
        "Stay within transaction limits only — identification and check restrictions apply only to flagged transactions",
        "Verify customer identification only when the transaction exceeds a specified dollar threshold",
        "Apply whichever requirements are most relevant to the specific check being cashed"
      ],
      "correct_answer": "Stay within transaction limits, verify customer identification, and apply restrictions on certain check types — every time",
      "correct_response": "Correct. All three obligations apply on every transaction — they are not discretionary. None of them are conditional on transaction size or check type.",
      "incorrect_response": "Your Part III, Chapter 560, Florida Statutes license creates three binding obligations on every transaction: transaction limits, customer identification, and check type restrictions. None of these are conditional or optional — they apply every time.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Stop before completing — not after:</strong> When a transaction is unusual or unclear, stop and escalate to your supervisor or the BSA/AML Compliance Officer before finishing the transaction. Compliance determinations are not yours to make alone.</p><ul><li>Both federal and Florida requirements apply to every transaction — follow the stricter one when they conflict.</li><li>Your Part III, Chapter 560, Florida Statutes license requires you to check customer ID, stay within transaction limits, and apply check restrictions on every transaction — no exceptions.</li><li>Delaying escalation is a compliance failure. The outcome of the transaction does not change that.</li></ul>"
}