{ "question_text": "If the automated OFAC screening system is down and internet access is also unavailable, what must you use to screen customers before processing a transaction?", "options": [ "The downloaded SDN List PDF stored at your location", "A supervisor's written sign-off confirming the customer has been previously approved", "The prior month's cleared transaction records for repeat customers", "A call to the BSA/AML Compliance Officer for case-by-case transaction approval" ], "correct_answer": "The downloaded SDN List PDF stored at your location", "correct_response": "Correct. When both the automated screening system and internet access are unavailable, you must use the downloaded SDN List PDF stored at your location. That PDF is refreshed monthly. No transaction may proceed without OFAC screening — an unscreened transaction exposes Rapido Facil Exchange Co. to federal sanctions liability.", "incorrect_response": "When the automated OFAC screening system and internet access are both unavailable, the Business Continuity Plan requires you to use the downloaded SDN List PDF stored at your location. This PDF is refreshed monthly. OFAC screening cannot be skipped for any reason — the penalties are the same whether systems are working or not.", "unsure_response": null, "question_bank": [ { "question_text": "After the state-mandated check cashing database is restored following an outage, what is the deadline for entering all backlogged transactions?", "options": [ "Within two business days of system restoration", "By the end of business on the day the system is restored", "Within five business days of system restoration", "At the next scheduled reporting period" ], "correct_answer": "Within two business days of system restoration", "correct_response": "Correct. All backlogged check cashing transactions must be entered within two business days of system restoration. Missing this window violates Rapido Facil Exchange Co.'s Florida state-mandated database reporting obligation.", "incorrect_response": "After a database outage ends, all backlogged check cashing transactions must be entered within two business days of system restoration. This is a state-mandated requirement — missing the window is a reporting violation even though the outage was not your fault.", "unsure_response": null }, { "question_text": "If you are unavailable for an extended period as BSA/AML Compliance Officer, what must Rapido Facil Exchange Co. do immediately?", "options": [ "Suspend check cashing operations", "Allow the most experienced staff member to handle compliance responsibilities", "Reduce operating hours to limit BSA exposure until you return", "File a temporary compliance waiver with FinCEN" ], "correct_answer": "Suspend check cashing operations", "correct_response": "Correct. Rapido Facil Exchange Co. must immediately suspend check cashing operations if you are unavailable for an extended period. Untrained personnel cannot perform BSA compliance duties. Operations resume only when you return or a qualified backup is designated and trained.", "incorrect_response": "If you are unavailable for an extended period, Rapido Facil Exchange Co. must immediately suspend check cashing operations. The Business Continuity Plan documents the suspension protocol and customer notification procedures. Continuing operations without qualified BSA oversight creates direct regulatory liability.", "unsure_response": null } ], "enrichment_content": "

Key point: Three manual fallbacks must always be ready at your location, and each one has a specific trigger.

" }