{ "question_text": "If you notice a cash transaction that seems suspicious, what should you do?", "options": [ "Tell the BSA/AML Compliance Officer the same day and never tell the customer a report was filed.", "Tell the customer you need to ask them some questions before proceeding to better understand the transaction.", "Wait until you have more information before deciding whether to report it.", "File a report directly with the government and note it in the customer's file." ], "correct_answer": "Tell the BSA/AML Compliance Officer the same day and never tell the customer a report was filed.", "correct_response": "When something looks suspicious, report it to the BSA/AML Compliance Officer the same day. The law prohibits telling the customer that a report was filed. You do not file the report yourself — that is the BSA/AML Compliance Officer's job. When in doubt, report it.", "incorrect_response": "Suspicious activity must be reported to the BSA/AML Compliance Officer the same day — do not wait, and do not tell the customer. Federal law prohibits disclosing that a report was filed. You are not responsible for filing the report; your job is to flag it and let the BSA/AML Compliance Officer decide what to do.", "unsure_response": null, "question_bank": [ { "question_text": "Breaking up cash transactions into smaller amounts on purpose to stay under the $10,000 reporting limit is called what, and is it allowed?", "options": [ "It is called structuring, and it is illegal — employees who help a customer do this can face felony charges.", "It is called transaction splitting, and it is allowed as long as each transaction is completed on a different day.", "It is called tiered processing, and it is allowed when the customer has a business reason.", "It is called structuring, and it is allowed as long as the total stays under $20,000." ], "correct_answer": "It is called structuring, and it is illegal — employees who help a customer do this can face felony charges.", "correct_response": "Structuring — breaking up cash on purpose to stay under the reporting limit — is illegal. In Florida, any employee who helps a customer structure transactions can face felony charges, no matter how small the amounts.", "incorrect_response": "Structuring is always illegal, regardless of the day, the amount, or the customer's stated reason. Employees who help a customer structure transactions face felony charges under Florida law. If you see it happening, report it to the BSA/AML Compliance Officer right away.", "unsure_response": null }, { "question_text": "Which of the following must be reported to the government?", "options": [ "A person carrying more than $10,000 in cash when crossing into or out of the United States.", "A customer who asks questions about the reporting rules.", "A cash transaction of exactly $10,000.", "A customer who withdraws $500 in cash and pays with a credit card for the rest of a purchase." ], "correct_answer": "A person carrying more than $10,000 in cash when crossing into or out of the United States.", "correct_response": "Carrying more than $10,000 in cash or monetary instruments into or out of the country must be reported. This is a separate requirement from the everyday cash reporting rules and applies at the border.", "incorrect_response": "Asking about reporting rules is not itself reportable. A transaction of exactly $10,000 does not trigger reporting — the amount must exceed $10,000. A $500 cash transaction is well below any reporting threshold. Carrying more than $10,000 in cash across the U.S. border is the action that requires a report.", "unsure_response": null } ], "enrichment_content": "

The basics — what every employee needs to know:

" }