{
  "question_text": "According to your procedures, when must you notify your BSA/AML Compliance Officer before completing a non-commercial customer's transaction?",
  "options": [
    "When a single transaction exceeds $10,000",
    "When the customer's cumulative transactions for the month exceed $5,000",
    "When the transaction amount is inconsistent with the customer's stated occupation, regardless of dollar amount",
    "Only when the customer is flagged during OFAC screening"
  ],
  "correct_answer": "When a single transaction exceeds $10,000",
  "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": "The notification threshold is based on a single transaction exceeding $10,000 — not a monthly cumulative amount, and not only when the OFAC check flags a match. An amount inconsistent with stated occupation is a separate stop-and-escalate indicator but does not replace the $10,000 threshold rule.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "What is the first step required when a customer approaches for a transaction?",
      "options": [
        "Ask for a government-issued photo ID and record the customer's full name, current address, ID number, and date of birth",
        "Screen the customer's name against the OFAC blocked-parties list before requesting identification",
        "Record the service type and transaction amount before collecting any identification",
        "Ask the customer about the source of their funds before processing the transaction"
      ],
      "correct_answer": "Ask for a government-issued photo ID and record the customer's full name, current address, ID number, and date of birth",
      "correct_response": "Correct. The first required step is to ask for a government-issued photo ID and record the customer's full name, current address, ID number, and date of birth. OFAC screening follows after identification is collected.",
      "incorrect_response": "ID collection and recording of the customer's basic information is the first required step. OFAC screening is the next step — it follows identification, it does not precede it. Source of funds questions are only asked when a specific trigger applies.",
      "unsure_response": null
    },
    {
      "question_text": "You stop a transaction because a customer is a senior political party leader from a foreign country. Your BSA/AML Compliance Officer is not immediately available. What should you do?",
      "options": [
        "Notify your supervisor and wait for your BSA/AML Compliance Officer to make the determination on how to proceed",
        "Complete the transaction if the customer's ID is valid and document the observation for later review",
        "Decline the transaction permanently and ask the customer to visit a different location",
        "Apply standard processing and file a SAR by end of business"
      ],
      "correct_answer": "Notify your supervisor and wait for your BSA/AML Compliance Officer to make the determination on how to proceed",
      "correct_response": "Correct. You stop the transaction and notify your supervisor or BSA/AML Compliance Officer. If your BSA/AML Compliance Officer is unavailable, notify your supervisor. You do not decide independently whether to proceed — the determination belongs to your BSA/AML Compliance Officer.",
      "incorrect_response": "You do not complete the transaction while your BSA/AML Compliance Officer is unavailable, and you do not make an independent proceed/decline decision. The required action is to stop and notify your supervisor, who can reach the BSA/AML Compliance Officer. Escalating protects Rapido Facil Exchange Co. and you from liability.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Your transaction steps in order:</strong></p><ul><li>Ask for government-issued photo ID; record full name, current address, ID number, and date of birth</li><li>Screen the customer's name against the OFAC blocked-parties list</li><li>Record the service type and transaction amount</li><li>Treat the customer as standard risk by default</li></ul><p><strong>Stop and notify your BSA/AML Compliance Officer immediately</strong> if you observe any red flag indicator — including a customer who is a foreign government official or their immediate family member, a customer from a high-risk country, or a request with no clear legitimate purpose.</p><p><strong>Notify your BSA/AML Compliance Officer before completing</strong> any single transaction over <strong>$10,000</strong> for a non-commercial customer.</p>"
}