{
  "body_html": "<h2>SAR, CTR, and CMIR Filing</h2>\n<p><strong>SAR Filing</strong></p>\n<ol>\n<li>When a transaction at or through Rapido Facil Exchange Co. involves <strong>$2,000 or more</strong> and appears suspicious, escalate to the <strong>BSA/AML Compliance Officer</strong> the same business day.</li>\n<li>The BSA/AML Compliance Officer reviews all available facts, the customer record, and prior SAR history, then decides whether to file. Document the decision and rationale regardless of outcome.</li>\n<li>Submit <strong>FinCEN Form 111</strong> via <strong>BSA E-Filing</strong> within <strong>30 calendar days</strong> of initial detection.</li>\n<li>If no suspect is identified, you may delay filing while attempting to identify one. The outer deadline is <strong>60 calendar days</strong> from initial detection.</li>\n<li>For ongoing suspicious activity, file a <strong>continuing SAR</strong> every <strong>90 days</strong>. Cite the original SAR in each subsequent filing.</li>\n<li>If the activity requires immediate law enforcement attention, contact the appropriate agency by phone before or at the same time as filing.</li>\n<li>Retain the SAR and all supporting documentation for <strong>five years</strong> from the filing date.</li>\n<li>Never disclose a SAR or reveal that one has been filed. If a subpoena demands SAR records, decline production and notify FinCEN promptly.</li>\n</ol>\n<p><strong>CTR Filing</strong></p>\n<ol>\n<li>File a <strong>CTR</strong> for each currency transaction exceeding <strong>$10,000</strong>.</li>\n<li>Aggregate all currency transactions by or on behalf of the same person on the same business day across all Rapido Facil Exchange Co. locations. When the aggregate exceeds $10,000, the transaction is reportable.</li>\n<li>Before completing the transaction, collect the customer's <strong>name, address, date of birth, and government-issued photo ID number</strong>.</li>\n<li>Submit <strong>FinCEN Form 112</strong> via <strong>BSA E-Filing</strong> within <strong>15 calendar days</strong> of the transaction date.</li>\n<li>Retain the CTR for <strong>five years</strong> from the filing date.</li>\n</ol>\n<p><strong>CMIR Filing</strong></p>\n<ol>\n<li>For any physical transport of currency or monetary instruments exceeding <strong>$10,000</strong> into or out of the United States, submit <strong>FinCEN Form 105</strong> via <strong>BSA E-Filing</strong> within <strong>15 calendar days</strong> of the transport date.</li>\n</ol>\n<p><strong>Structuring</strong></p>\n<ol>\n<li>When you detect indicators of structuring, report to the BSA/AML Compliance Officer immediately. The BSA/AML Compliance Officer evaluates the activity for SAR filing. Structuring is itself a reportable event.</li>\n<li>No employee may cause Rapido Facil Exchange Co. to fail to file a required report or to file a materially incomplete report.</li>\n<li>Florida imposes criminal penalties for structuring. Structuring above $300 is a <strong>third-degree felony</strong>. Structuring above $20,000 is a <strong>second-degree felony</strong>. Structuring above $100,000 is a <strong>first-degree felony</strong>. These penalties apply to employees who assist in structuring.</li>\n</ol>",
  "narration_text": "SAR Filing\r\n\r\nWhen a transaction at or through Rapido Facil Exchange Co. involves $2,000 or more and appears suspicious, escalate to the BSA/AML Compliance Officer the same business day.\r\nThe BSA/AML Compliance Officer reviews all available facts, the customer record, and prior SAR history, then decides whether to file. Document the decision and rationale regardless of outcome.\r\nSubmit FinCEN Form 111 via BSA E-Filing within 30 calendar days of initial detection.\r\nIf no suspect is identified, you may delay filing while attempting to identify one. The outer deadline is 60 calendar days from initial detection.\r\nFor ongoing suspicious activity, file a continuing SAR every 90 days. Cite the original SAR in each subsequent filing.\r\nIf the activity requires immediate law enforcement attention, contact the appropriate agency by phone before or at the same time as filing.\r\nRetain the SAR and all supporting documentation for five years from the filing date.\r\nNever disclose a SAR or reveal that one has been filed. If a subpoena demands SAR records, decline production and notify FinCEN promptly.\r\n\r\nCTR Filing\r\n\r\nFile a CTR for each currency transaction exceeding $10,000.\r\nAggregate all currency transactions by or on behalf of the same person on the same business day across all Rapido Facil Exchange Co. locations. When the aggregate exceeds $10,000, the transaction is reportable.\r\nBefore completing the transaction, collect the customer's name, address, date of birth, and government-issued photo ID number.\r\nSubmit FinCEN Form 112 via BSA E-Filing within 15 calendar days of the transaction date.\r\nRetain the CTR for five years from the filing date.\r\n\r\nCMIR Filing\r\n\r\nFor any physical transport of currency or monetary instruments exceeding $10,000 into or out of the United States, submit FinCEN Form 105 via BSA E-Filing within 15 calendar days of the transport date.\r\n\r\nStructuring\r\n\r\nWhen you detect indicators of structuring, report to the BSA/AML Compliance Officer immediately. The BSA/AML Compliance Officer evaluates the activity for SAR filing. Structuring is itself a reportable event.\r\nNo employee may cause Rapido Facil Exchange Co. to fail to file a required report or to file a materially incomplete report.\r\nFlorida imposes criminal penalties for structuring. Structuring above $300 is a third-degree felony. Structuring above $20,000 is a second-degree felony. Structuring above $100,000 is a first-degree felony. These penalties apply to employees who assist in structuring."
}