{
  "question_text": "After Rapido Facil Exchange Co. files a SAR on a customer's account, what obligation applies regarding that filing?",
  "options": [
    "The filing must remain confidential — no one at Rapido Facil Exchange Co. may tell the customer or anyone outside the company that a SAR was filed.",
    "Rapido Facil Exchange Co. must notify the customer within 30 days that a SAR has been filed on their account.",
    "The BSA/AML Compliance Officer may inform the customer if doing so would help resolve the suspicious activity.",
    "Confidentiality applies only while the SAR is under FinCEN review; once processed, limited disclosure is permitted."
  ],
  "correct_answer": "The filing must remain confidential — no one at Rapido Facil Exchange Co. may tell the customer or anyone outside the company that a SAR was filed.",
  "correct_response": "Federal law requires complete confidentiality after a SAR is filed. No one at Rapido Facil Exchange Co. — including the BSA/AML Compliance Officer — may tell the customer or any outside party that a SAR was filed. This obligation never expires and cannot be waived.",
  "incorrect_response": "There is no notification requirement to the customer after a SAR is filed — the opposite is true. Federal law prohibits telling the customer a SAR was filed. The prohibition is permanent; it does not lift after FinCEN processes the filing. No one at Rapido Facil Exchange Co. has authority to override this rule.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "A Suspicious Activity Report flags which type of activity, and what is the minimum transaction amount that triggers a review?",
      "options": [
        "Transactions that appear suspicious — such as those involving illegal activity, no apparent lawful purpose, or designed to evade reporting — involving $2,000 or more.",
        "Any cash transaction over $10,000, regardless of whether the activity appears suspicious.",
        "Transactions that appear suspicious involving $5,000 or more.",
        "Any transaction that the customer cannot immediately explain, regardless of amount."
      ],
      "correct_answer": "Transactions that appear suspicious — such as those involving illegal activity, no apparent lawful purpose, or designed to evade reporting — involving $2,000 or more.",
      "correct_response": "A SAR flags transactions of $2,000 or more that appear suspicious — funds from illegal activity, no apparent lawful purpose, designed to evade BSA requirements, or facilitating criminal activity. The $10,000 threshold applies to Currency Transaction Reports, not SARs.",
      "incorrect_response": "The SAR threshold is $2,000 — not $5,000 or $10,000. The $10,000 threshold is for Currency Transaction Reports, which are triggered by transaction size alone. SARs are triggered by suspicion combined with the $2,000 minimum. Not every unexplained transaction requires a SAR — it must meet at least one of the specified suspicious activity criteria.",
      "unsure_response": null
    },
    {
      "question_text": "What is the deadline for filing a Currency Transaction Report after a customer's cash activity exceeds $10,000?",
      "options": [
        "Within 15 calendar days of the transaction date.",
        "Within 30 calendar days of the transaction date.",
        "The same business day the transaction occurs.",
        "Within 5 business days of the transaction date."
      ],
      "correct_answer": "Within 15 calendar days of the transaction date.",
      "correct_response": "The CTR must be filed via BSA E-Filing within 15 calendar days of the transaction date. The 30-calendar-day deadline applies to SAR filings, not CTRs.",
      "incorrect_response": "The CTR deadline is 15 calendar days from the transaction date — not 30 days (which is the SAR deadline) and not same-day. Missing this deadline is a compliance violation. The BSA/AML Compliance Officer is responsible for ensuring the filing is submitted on time.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Three reports — what they are and when to file:</strong></p><ul><li><strong>SAR:</strong> For suspicious transactions of $2,000 or more. Must be filed within 30 calendar days of when the suspicious activity was first noticed. Never tell the customer a SAR was filed — this is required by law.</li><li><strong>CTR:</strong> For cash transactions exceeding $10,000 in a single day, even across multiple transactions. Must be filed within 15 calendar days. Collect the customer's name, address, date of birth, and photo ID before completing the transaction.</li><li><strong>CMIR:</strong> For anyone carrying more than $10,000 in cash or monetary instruments into or out of the United States. Must be filed within 15 calendar days of the transport.</li></ul>"
}