{
  "body_html": "<h2>Recognizing Suspicious Activity</h2>\n<p>Flag a customer who presents a check just under $1,000 and then cancels. Flag a customer who splits one transaction into smaller amounts. Flag checks from the same customer totaling just under $1,000 with no clear reason for the split. Flag a customer who asks what amount triggers a report or requires ID.</p>\n<p>Flag multiple checks from the same customer on the same day totaling just under $10,000. Flag the same customer returning on consecutive days with amounts that stay just below $10,000. Flag multiple people presenting checks from the same employer or account on the same business day.</p>\n<p>Flag a customer who visits multiple times in one day with checks from the same payor or employer. Flag checks with consecutive numbers presented by different people on the same day. Flag payroll amounts or schedules that do not match the employer's apparent business. Flag an endorsement that looks freshly written on an older check. Flag multiple checks with identical endorsement signatures. Flag a check made payable to one person but presented by someone else without documented authorization. Flag transactions where the named payee never appears in person.</p>\n<p>Flag an ID that does not match the customer's apparent age or physical appearance. Flag documents with mismatched fonts, irregular lamination, or unusual holographic elements. Flag a customer who cannot confirm basic information from their own ID. Flag multiple customers presenting nearly identical documents on the same day.</p>\n<p>Flag a companion who directs or controls the transaction without documented authority. Flag a customer who appears coached, looks to a companion before answering, or is reluctant to speak independently. Flag multiple checks payable to different people, all presented by one person. Flag a customer who appears confused, disoriented, or under visible pressure. Flag a customer who states they must return the cashed funds to another person.</p>\n<p>Flag checks drawn on accounts associated with charitable organizations in sanctioned or high-risk countries. Flag multiple individuals sharing an address or affiliation who systematically cash small checks inconsistent with normal employment. Flag a customer whose name produces an OFAC match. Flag a customer who references sanctioned persons or organizations, or suggests a connection to terrorism.</p>\n<p>When you observe any of these indicators, complete an internal suspicious activity referral. Deliver it to your BSA/AML Compliance Officer by end of shift. You do not decide whether a report is filed — that decision belongs to your BSA/AML Compliance Officer.</p>",
  "narration_text": "Flag a customer who presents a check just under $1,000 and then cancels. Flag a customer who splits one transaction into smaller amounts. Flag checks from the same customer totaling just under $1,000 with no clear reason for the split. Flag a customer who asks what amount triggers a report or requires ID.\r\n\r\nFlag multiple checks from the same customer on the same day totaling just under $10,000. Flag the same customer returning on consecutive days with amounts that stay just below $10,000. Flag multiple people presenting checks from the same employer or account on the same business day.\r\n\r\nFlag a customer who visits multiple times in one day with checks from the same payor or employer. Flag checks with consecutive numbers presented by different people on the same day. Flag payroll amounts or schedules that do not match the employer's apparent business. Flag an endorsement that looks freshly written on an older check. Flag multiple checks with identical endorsement signatures. Flag a check made payable to one person but presented by someone else without documented authorization. Flag transactions where the named payee never appears in person.\r\n\r\nFlag an ID that does not match the customer's apparent age or physical appearance. Flag documents with mismatched fonts, irregular lamination, or unusual holographic elements. Flag a customer who cannot confirm basic information from their own ID. Flag multiple customers presenting nearly identical documents on the same day.\r\n\r\nFlag a companion who directs or controls the transaction without documented authority. Flag a customer who appears coached, looks to a companion before answering, or is reluctant to speak independently. Flag multiple checks payable to different people, all presented by one person. Flag a customer who appears confused, disoriented, or under visible pressure. Flag a customer who states they must return the cashed funds to another person.\r\n\r\nFlag checks drawn on accounts associated with charitable organizations in sanctioned or high-risk countries. Flag multiple individuals sharing an address or affiliation who systematically cash small checks inconsistent with normal employment. Flag a customer whose name produces an OFAC match. Flag a customer who references sanctioned persons or organizations, or suggests a connection to terrorism.\r\n\r\nWhen you observe any of these indicators, complete an internal suspicious activity referral. Deliver it to your BSA/AML Compliance Officer by end of shift. You do not decide whether a report is filed — that decision belongs to your BSA/AML Compliance Officer."
}