{
  "question_text": "You identify that a customer presenting for a transaction is a current official of a foreign government. What should you do?",
  "options": [
    "Stop the transaction and notify your supervisor or BSA/AML Compliance Officer; do not decide independently whether to proceed",
    "Complete the transaction and document the observation in the transaction record for your BSA/AML Compliance Officer to review later",
    "Decline the transaction immediately and ask the customer to return with additional identification",
    "Continue the transaction if the customer's ID is valid and the amount is under $10,000; escalate only if additional red flags are observed"
  ],
  "correct_answer": "Stop the transaction and notify your supervisor or BSA/AML Compliance Officer; do not decide independently whether to proceed",
  "correct_response": "Correct. A current or former foreign government official is an enumerated indicator that requires you to stop the transaction and notify your supervisor or BSA/AML Compliance Officer. Do not decide independently whether to proceed — escalating protects Rapido Facil Exchange Co. and you from liability for improper transactions.",
  "incorrect_response": "Completing the transaction and documenting afterward, or declining without escalation, are both incorrect. The required action is to stop and notify your supervisor or BSA/AML Compliance Officer immediately. You do not make the determination on whether to proceed — that is your BSA/AML Compliance Officer's role.",
  "unsure_response": null,
  "question_bank": [
    {
      "question_text": "A non-commercial customer wants to complete a transaction for $13,000. What is required before you finish the transaction?",
      "options": [
        "Notify your BSA/AML Compliance Officer before completing the transaction",
        "Ask the customer to split the transaction into two separate amounts below $10,000",
        "Collect source of funds documentation from the customer before proceeding",
        "Complete the transaction and submit a report to your BSA/AML Compliance Officer by end of business"
      ],
      "correct_answer": "Notify your BSA/AML Compliance Officer before completing the transaction",
      "correct_response": "Correct. When 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": "You must notify your BSA/AML Compliance Officer before — not after — completing a single transaction over $10,000 for a non-commercial customer. You do not collect source of funds documentation yourself or ask the customer to split the transaction. Your BSA/AML Compliance Officer makes those determinations.",
      "unsure_response": null
    },
    {
      "question_text": "A customer requests a transaction structure that has no clear legitimate purpose. What is the correct action?",
      "options": [
        "Stop the transaction and notify your supervisor or BSA/AML Compliance Officer",
        "Complete the transaction if the amount is under $10,000 and document the unusual request",
        "Ask the customer to explain the purpose and proceed if their explanation seems reasonable",
        "Decline the transaction and ask the customer to return with documentation of the purpose"
      ],
      "correct_answer": "Stop the transaction and notify your supervisor or BSA/AML Compliance Officer",
      "correct_response": "Correct. A request for a transaction structure with no clear legitimate purpose is an enumerated indicator requiring you to stop and notify your supervisor or BSA/AML Compliance Officer. You do not assess the explanation independently.",
      "incorrect_response": "Transaction amount does not determine whether you escalate — the nature of the indicator does. Requesting a structure with no clear legitimate purpose is a stop-and-escalate indicator regardless of dollar amount. You do not evaluate the customer's explanation or make the proceed/decline decision independently.",
      "unsure_response": null
    }
  ],
  "enrichment_content": "<p><strong>Stop and notify your supervisor or BSA/AML Compliance Officer immediately</strong> if you observe any of the following:</p><ul><li>The transaction amount does not match the customer's stated income or occupation</li><li>The customer requests a transaction structure with no clear legitimate purpose</li><li>The customer is a current or former foreign government official, senior political party leader, or executive of a state-owned enterprise</li><li>The customer is an immediate family member or close associate of such a person</li><li>The customer's primary residence or main business operations are in a high-risk or sanctioned country</li><li>The customer operates a money services business, currency dealer, or similar high-risk entity</li><li>A prior report or law enforcement inquiry involves this customer or a related party</li></ul><p>Also notify your BSA/AML Compliance Officer before completing any single transaction over <strong>$10,000</strong> for a non-commercial customer.</p>"
}