{
  "body_html": "<h2>Board/Owner Oversight and Governance</h2>\n<p>The owner of Rapido Facil Exchange Co. has formally approved this AML/CFT compliance program. A <strong>corporate resolution</strong> documents that approval.</p>\n<p><strong>Maintain the corporate resolution:</strong></p>\n<ol>\n<li>Keep the resolution in the <strong>compliance files</strong>.</li>\n<li>Update it every time the program changes.</li>\n</ol>\n<p><strong>Your authority as BSA/AML Compliance Officer:</strong></p>\n<ul>\n<li>You implement, maintain, and enforce all program components.</li>\n<li>You report directly to the owner.</li>\n<li>You may raise compliance concerns to the owner without restriction.</li>\n<li>Any operational decision that creates compliance risk must come to you before implementation.</li>\n</ul>\n<p><strong>Submit a written report to the owner at least once per quarter.</strong> Each report must cover:</p>\n<ol>\n<li>Program status and any material changes</li>\n<li>SARs filed, CTRs filed, and OFAC matches</li>\n<li>Transaction monitoring review results</li>\n<li>Examination findings and any regulatory correspondence</li>\n<li>Status of all open remediation items</li>\n</ol>\n<p>Retain every quarterly report in the compliance files.</p>\n<p><strong>When you find a deficiency:</strong></p>\n<ol>\n<li>Escalate it to the owner within <strong>five business days</strong>. This applies whether the deficiency came from internal review, independent audit, or a regulatory examination.</li>\n<li>Work with the owner to set a <strong>remediation timeline</strong> with assigned accountability.</li>\n<li>Track every open deficiency until it is closed.</li>\n<li>Include open deficiency status in every quarterly report.</li>\n</ol>",
  "narration_text": "The owner of Rapido Facil Exchange Co. has formally approved this AML/CFT compliance program. A corporate resolution documents that approval.\r\n\r\nMaintain the corporate resolution:\r\nKeep the resolution in the compliance files.\r\nUpdate it every time the program changes.\r\n\r\nYour authority as BSA/AML Compliance Officer:\r\nYou implement, maintain, and enforce all program components.\r\nYou report directly to the owner.\r\nYou may raise compliance concerns to the owner without restriction.\r\nAny operational decision that creates compliance risk must come to you before implementation.\r\n\r\nSubmit a written report to the owner at least once per quarter. Each report must cover:\r\nProgram status and any material changes\r\nSARs filed, CTRs filed, and OFAC matches\r\nTransaction monitoring review results\r\nExamination findings and any regulatory correspondence\r\nStatus of all open remediation items\r\n\r\nRetain every quarterly report in the compliance files.\r\n\r\nWhen you find a deficiency:\r\nEscalate it to the owner within five business days. This applies whether the deficiency came from internal review, independent audit, or a regulatory examination.\r\nWork with the owner to set a remediation timeline with assigned accountability.\r\nTrack every open deficiency until it is closed.\r\nInclude open deficiency status in every quarterly report."
}