{
  "body_html": "<h2>Recognizing Suspicious Activity</h2>\n<p>Some customers try to hide what they are doing with money. Your job is to notice when something feels wrong and report it — not to decide if a crime happened.</p>\n<p><strong>Watch for these warning signs.</strong></p>\n<p>A customer may split one large amount into smaller transactions to avoid a report. For example, they cash several checks from the same employer on the same day, and the amounts add up to just under $10,000. That is a red flag. So is a customer who asks what dollar amount triggers a report — honest customers do not ask that.</p>\n<p>Look at the check itself. If the signature on the back looks freshly written on an old check, or if several checks share identical signatures, flag it. If someone presents a check made out to a different person and has no written authorization, flag it.</p>\n<p>Look at the ID. If the photo does not match the person in front of you, or the card has unusual fonts or lamination, flag it. If the customer cannot confirm basic information from their own ID, flag it.</p>\n<p>Watch the people around the customer. If someone else is directing the transaction, or the customer looks nervous and looks to a companion before answering your questions, flag it.</p>\n<p>Always run an OFAC check. If a customer's name produces a match, stop and flag it immediately.</p>\n<p><strong>When you see any of these signs:</strong></p>\n<ol>\n<li>Complete an <strong>internal suspicious activity referral</strong>.</li>\n<li>Give it to your BSA/AML Compliance Officer before your shift ends.</li>\n<li>Do not decide whether a report gets filed. That decision belongs to your BSA/AML Compliance Officer.</li>\n</ol>",
  "narration_text": "Some customers try to hide what they are doing with money. Your job is to notice when something feels wrong and report it — not to decide if a crime happened.\r\n\r\nWatch for these warning signs.\r\n\r\nA customer may split one large amount into smaller transactions to avoid a report. For example, they cash several checks from the same employer on the same day, and the amounts add up to just under $10,000. That is a red flag. So is a customer who asks what dollar amount triggers a report — honest customers do not ask that.\r\n\r\nLook at the check itself. If the signature on the back looks freshly written on an old check, or if several checks share identical signatures, flag it. If someone presents a check made out to a different person and has no written authorization, flag it.\r\n\r\nLook at the ID. If the photo does not match the person in front of you, or the card has unusual fonts or lamination, flag it. If the customer cannot confirm basic information from their own ID, flag it.\r\n\r\nWatch the people around the customer. If someone else is directing the transaction, or the customer looks nervous and looks to a companion before answering your questions, flag it.\r\n\r\nAlways run an OFAC check. If a customer's name produces a match, stop and flag it immediately.\r\n\r\nWhen you see any of these signs:\r\n\r\nComplete an internal suspicious activity referral.\r\nGive it to your BSA/AML Compliance Officer before your shift ends.\r\nDo not decide whether a report gets filed. That decision belongs to your BSA/AML Compliance Officer."
}