{
  "question_text": "Who must review Rapido Facil Exchange Co.'s AML/CFT program to make sure it is working properly?",
  "options": [
    "Someone outside the BSA/AML Compliance Officer's role — not the BSA/AML Compliance Officer themselves",
    "The BSA/AML Compliance Officer, since they are most familiar with the program",
    "The owner or principal, since they are responsible for the company",
    "Any employee who has completed annual AML training"
  ],
  "correct_answer": "Someone outside the BSA/AML Compliance Officer's role — not the BSA/AML Compliance Officer themselves",
  "correct_response": "The BSA/AML Compliance Officer runs the AML/CFT program, so they cannot review their own work. Someone else must do that — a qualified outside reviewer or an internal person with no compliance responsibilities. This keeps the review independent.",
  "incorrect_response": "The BSA/AML Compliance Officer cannot review their own AML/CFT program. Someone outside their role must do it — either a qualified outside reviewer or an internal person who has no compliance responsibilities. Familiarity with the program is exactly why this person cannot review it.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "If the BSA/AML Compliance Officer is unavailable for a long time, what must Rapido Facil Exchange Co. do?",
      "options": [
        "Stop check cashing operations until the BSA/AML Compliance Officer returns or a qualified replacement is in place",
        "Continue operations under the owner's supervision until a replacement is found",
        "Ask the most experienced employee to handle compliance duties temporarily",
        "Reduce the number of transactions processed each day until the BSA/AML Compliance Officer returns"
      ],
      "correct_answer": "Stop check cashing operations until the BSA/AML Compliance Officer returns or a qualified replacement is in place",
      "correct_response": "Without a BSA/AML Compliance Officer or qualified replacement, Rapido Facil Exchange Co. must stop check cashing operations entirely. No one else can fill in. Operations resume only when the BSA/AML Compliance Officer returns or a replacement is ready.",
      "incorrect_response": "If the BSA/AML Compliance Officer is unavailable for an extended period, Rapido Facil Exchange Co. must stop check cashing operations entirely — not reduce them, not rely on the owner, and not have another employee step in. Operations only resume when the BSA/AML Compliance Officer returns or a qualified replacement is trained and in place.",
      "unsure_response": null
    },
    {
      "question_text": "How often must the BSA/AML Compliance Officer update the owner or principal on compliance?",
      "options": [
        "At least every three months",
        "At least every month",
        "Once a year, after AML training is complete",
        "Only when something goes wrong"
      ],
      "correct_answer": "At least every three months",
      "correct_response": "The BSA/AML Compliance Officer must update the owner or principal on compliance at least every three months. If something serious goes wrong, that must be reported immediately — separate from the regular three-month update.",
      "incorrect_response": "Compliance status updates must go to the owner or principal at least every three months. Waiting until something goes wrong, or providing only an annual update, does not meet this requirement. Serious incidents also require immediate reporting on top of the regular schedule.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Key point:</strong> The BSA/AML Compliance Officer runs the AML/CFT program — but they cannot review their own work.</p><ul><li>The independent review must be done by someone outside the compliance role, either an outside reviewer or an internal person with no compliance responsibilities.</li><li>If the BSA/AML Compliance Officer is away for an extended time and no replacement is ready, Rapido Facil Exchange Co. must stop check cashing operations entirely.</li><li>Compliance updates must go to the owner at least every three months, with immediate reporting for serious issues.</li></ul>"
}