{
  "body_html": "<h2>Corporate Check Cashing and Workers' Compensation</h2>\n<p>Cashing a corporate check without confirmed workers' compensation coverage is a criminal violation. Every corporate check requires verification before processing.</p>\n<p>Check the policy expiration date in the customer file. If the date has passed, the coverage has lapsed. Do not process the check. Check whether renewal documentation is on file. If no renewal documentation is on file, stop cashing corporate checks for that employer and notify your manager immediately. Do not resume until your manager confirms new coverage documentation is on file. Resuming without that confirmation is a criminal violation.</p>\n<p>Before each transaction, check the payroll cap ledger. The maximum Rapido Facil Exchange Co. may cash for an employer is 200% of that employer's total payroll for the current policy period. This cap applies across the full policy period, not per pay cycle.</p>\n<p>Follow these thresholds:</p>\n<ul>\n<li><strong>75% of cap reached:</strong> Alert your manager. The manager will notify the employer that capacity is limited.</li>\n<li><strong>90% of cap reached:</strong> Obtain manager pre-authorization before cashing any additional check.</li>\n<li><strong>100% of cap reached:</strong> Stop. No further corporate checks may be cashed under that policy period.</li>\n<li><strong>Cap exceeded:</strong> Notify the BSA/AML Compliance Officer the same business day.</li>\n</ul>\n<p>When directed to verify coverage, go to the Florida Division of Financial Services coverage portal. Search using the employer's federal tax identification number or legal business name. Confirm the policy status is active. Confirm the policy period matches the declaration page on file. Print or save the query result as a PDF. Write the query date and your name on the printout. File it in the corporate customer file.</p>\n<p>If the employer qualifies for an exemption, document the exemption category and supporting documentation. File both in the corporate customer file.</p>",
  "narration_text": "Cashing a corporate check without confirmed workers' compensation coverage is a criminal violation. Every corporate check requires verification before processing.\r\n\r\nCheck the policy expiration date in the customer file. If the date has passed, the coverage has lapsed. Do not process the check. Check whether renewal documentation is on file. If no renewal documentation is on file, stop cashing corporate checks for that employer and notify your manager immediately. Do not resume until your manager confirms new coverage documentation is on file. Resuming without that confirmation is a criminal violation.\r\n\r\nBefore each transaction, check the payroll cap ledger. The maximum Rapido Facil Exchange Co. may cash for an employer is 200% of that employer's total payroll for the current policy period. This cap applies across the full policy period, not per pay cycle.\r\n\r\nFollow these thresholds:\r\n\r\n75% of cap reached: Alert your manager. The manager will notify the employer that capacity is limited.\r\n90% of cap reached: Obtain manager pre-authorization before cashing any additional check.\r\n100% of cap reached: Stop. No further corporate checks may be cashed under that policy period.\r\nCap exceeded: Notify the BSA/AML Compliance Officer the same business day.\r\n\r\nWhen directed to verify coverage, go to the Florida Division of Financial Services coverage portal. Search using the employer's federal tax identification number or legal business name. Confirm the policy status is active. Confirm the policy period matches the declaration page on file. Print or save the query result as a PDF. Write the query date and your name on the printout. File it in the corporate customer file.\r\n\r\nIf the employer qualifies for an exemption, document the exemption category and supporting documentation. File both in the corporate customer file."
}