{
  "question_text": "A customer presents a valid government-issued ID and requests a transaction. Which of the following observations requires you to stop the transaction and notify your supervisor or BSA/AML Compliance Officer?",
  "options": [
    "The customer's primary residence is in a country identified as high-risk or sanctioned",
    "The customer is conducting their second transaction within the same calendar week",
    "The customer declines to state their date of birth verbally, though it appears on their ID",
    "The transaction amount is under $10,000 but the customer pays using multiple currency denominations"
  ],
  "correct_answer": "The customer's primary residence is in a country identified as high-risk or sanctioned",
  "correct_response": "Correct. A customer whose primary residence or main business operations are in a high-risk or sanctioned country is an enumerated indicator requiring you to stop the transaction and notify your supervisor or BSA/AML Compliance Officer. Your role is to identify the indicator and escalate — not to determine independently whether to proceed.",
  "incorrect_response": "Transaction frequency and denomination type are not listed indicators. The correct action is required when the customer's primary residence or main business operations are in a high-risk or sanctioned country — this is an explicit stop-and-escalate indicator. Your BSA/AML Compliance Officer makes the determination on whether to proceed.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "Before completing any customer transaction, which step is required after collecting the customer's identification information?",
      "options": [
        "Screen the customer's name against the OFAC blocked-parties list",
        "Notify the BSA/AML Compliance Officer of the customer's identity and service request",
        "Ask the customer to describe the source of funds for the transaction",
        "Record the transaction amount and submit it for supervisor review"
      ],
      "correct_answer": "Screen the customer's name against the OFAC blocked-parties list",
      "correct_response": "Correct. After collecting identification, you must screen the customer's name against the OFAC blocked-parties list before completing the transaction. This step prevents Rapido Facil Exchange Co. from processing funds for federally sanctioned individuals or entities.",
      "incorrect_response": "OFAC screening is a required step that must occur before completing the transaction — not after, and not only when you suspect a problem. This check prevents Rapido Facil Exchange Co. from processing transactions for sanctioned individuals or entities.",
      "unsure_response": null
    },
    {
      "question_text": "A non-commercial customer requests a transaction for $11,500. What action is required before you complete the transaction?",
      "options": [
        "Notify your BSA/AML Compliance Officer before completing the transaction",
        "Ask the customer to split the transaction into two separate requests",
        "Complete the transaction and file a note for your BSA/AML Compliance Officer to review within 24 hours",
        "Collect source of funds documentation from the customer before proceeding"
      ],
      "correct_answer": "Notify your BSA/AML Compliance Officer before completing the transaction",
      "correct_response": "Correct. If a non-commercial customer's single transaction exceeds $10,000, you must notify your BSA/AML Compliance Officer before completing it. Your BSA/AML Compliance Officer determines whether source of funds documentation is required.",
      "incorrect_response": "When a non-commercial customer's single transaction exceeds $10,000, you must notify your BSA/AML Compliance Officer before — not after — completing it. You do not collect source of funds documentation yourself; your BSA/AML Compliance Officer makes that determination.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Stop and escalate — do not decide independently.</strong> If you observe any of the following, stop the transaction and notify your supervisor or BSA/AML Compliance Officer immediately:</p><ul><li>Transaction amount does not match the customer's stated income or occupation</li><li>Customer requests a transaction structure with no clear legitimate purpose</li><li>Customer is a current or former foreign government official, senior political party leader, executive of a state-owned enterprise, or their immediate family member or close associate</li><li>Customer's primary residence or main business operations are in a high-risk or sanctioned country</li><li>Customer operates a money services business, currency dealer, or similar high-risk entity</li><li>A prior report or law enforcement inquiry involves this customer or a related party</li></ul><p>Also notify your BSA/AML Compliance Officer before completing any single transaction over <strong>$10,000</strong> for a non-commercial customer.</p>"
}