{
  "question_text": "During a transaction, a customer presents multiple smaller checks drawn on the same account in amounts that appear designed to avoid a reporting threshold. What must you do?",
  "options": [
    "Escalate immediately to your supervisor or the BSA/AML Compliance Officer",
    "Complete the transactions and file a report with FinCEN directly",
    "Refuse the transactions and ask the customer to return another day",
    "Document the transaction in your shift log and report it at the end of your shift"
  ],
  "correct_answer": "Escalate immediately to your supervisor or the BSA/AML Compliance Officer",
  "correct_response": "Structuring behavior is a red flag that requires immediate escalation to your supervisor or the BSA/AML Compliance Officer. Prompt escalation allows the BSA/AML Compliance Officer to determine whether a regulatory report is required.",
  "incorrect_response": "When you observe a red flag, escalate immediately — do not wait until the end of your shift and do not attempt to file reports yourself. Your role is to escalate promptly so the BSA/AML Compliance Officer can make the filing determination.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "As a teller, how often are you required to complete AML/CFT refresher training?",
      "options": [
        "Every six months",
        "Once per year",
        "Every three months",
        "Only when the BSA/AML Compliance Officer assigns training following a regulatory change"
      ],
      "correct_answer": "Every six months",
      "correct_response": "Tellers must complete refresher training every six months. Rapido Facil Exchange Co. classifies the teller role as higher-risk because you process transactions directly at the window.",
      "incorrect_response": "Tellers train every six months — not annually. The semi-annual requirement reflects the higher-risk classification of the teller role due to the volume of customer transactions processed directly at the window.",
      "unsure_response": null
    },
    {
      "question_text": "The check cashing database is unavailable during your shift. What is the correct procedure?",
      "options": [
        "Continue processing transactions and submit all backlogged database entries within two business days after the system is restored",
        "Suspend check cashing transactions until the database is available",
        "Process transactions and submit backlogged entries by the end of the business day",
        "Contact the BSA/AML Compliance Officer before processing any transactions while the database is down"
      ],
      "correct_answer": "Continue processing transactions and submit all backlogged database entries within two business days after the system is restored",
      "correct_response": "You must continue processing transactions during a database outage. All backlogged entries must be submitted within two business days after the system is restored. Delayed entries create gaps in the required transaction record.",
      "incorrect_response": "Transactions must continue during a database outage — stopping is not the correct response. The obligation is to submit all backlogged entries within two business days after the system is restored, not by end of day.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Red flags requiring immediate escalation:</strong></p><ul><li>Split transactions — one large transaction broken into smaller ones at the window</li><li>Repeat presentment — the same instrument presented more than once</li><li>Altered or suspicious instruments</li><li>Structuring behavior — transactions designed to avoid a reporting threshold</li></ul><p>When you observe any red flag, escalate immediately to your supervisor or the BSA/AML Compliance Officer. Do not process the transaction on your own judgment, file reports yourself, or wait until the end of your shift.</p>"
}