{
  "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 transaction requires this verification.</p>\n<p>Before processing any corporate check, confirm the policy expiration date recorded in the customer file has not passed. An expired policy means coverage has lapsed. Cashing against lapsed coverage carries the same criminal liability as cashing without any verification.</p>\n<p>If the expiration date has passed, check whether renewal documentation is on file. If no renewal documentation is on file, stop processing corporate checks for that employer. Notify your manager immediately. Do not resume cashing corporate checks for that employer. Wait for your manager to confirm that new coverage documentation is on file. Resuming without confirmed documentation is a criminal violation.</p>\n<p>Check the payroll cap ledger before each corporate check transaction. The maximum Rapido Facil Exchange Co. may cash for an employer equals 200% of that employer's total payroll for the current policy period. This limit applies across the entire policy period, not per pay cycle. If the cap is exceeded, the BSA/AML Compliance Officer must be notified the same business day.</p>\n<p>When the running total reaches 75% of the cap, alert your manager. The manager will warn the employer that remaining capacity is limited. When the running total reaches 90% of the cap, obtain manager pre-authorization before cashing any additional check. At that level, a single check may exhaust remaining capacity. When the running total reaches 100% of the cap, stop cashing corporate checks for that employer. No further cashing is permitted under that policy period.</p>\n<p>When directed to verify coverage, access the Florida Division of Financial Services coverage portal. Use the employer's federal tax identification number or legal business name to search. 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. Note the query date and your name on the printout. File the result in the corporate customer file. This creates a dated record proving coverage was confirmed at the time of the transaction.</p>\n<p>Some employers qualify for exemption from the workers' compensation verification requirement. When an exemption applies, document the exemption category and the supporting documentation. File this documentation in the corporate customer file. Documentation confirms the transaction was lawfully processed without standard verification.</p>",
  "narration_text": "Cashing a corporate check without confirmed workers' compensation coverage is a criminal violation. Every corporate check transaction requires this verification.\r\n\r\nBefore processing any corporate check, confirm the policy expiration date recorded in the customer file has not passed. An expired policy means coverage has lapsed. Cashing against lapsed coverage carries the same criminal liability as cashing without any verification.\r\n\r\nIf the expiration date has passed, check whether renewal documentation is on file. If no renewal documentation is on file, stop processing corporate checks for that employer. Notify your manager immediately. Do not resume cashing corporate checks for that employer. Wait for your manager to confirm that new coverage documentation is on file. Resuming without confirmed documentation is a criminal violation.\r\n\r\nCheck the payroll cap ledger before each corporate check transaction. The maximum Rapido Facil Exchange Co. may cash for an employer equals 200% of that employer's total payroll for the current policy period. This limit applies across the entire policy period, not per pay cycle. If the cap is exceeded, the BSA/AML Compliance Officer must be notified the same business day.\r\n\r\nWhen the running total reaches 75% of the cap, alert your manager. The manager will warn the employer that remaining capacity is limited. When the running total reaches 90% of the cap, obtain manager pre-authorization before cashing any additional check. At that level, a single check may exhaust remaining capacity. When the running total reaches 100% of the cap, stop cashing corporate checks for that employer. No further cashing is permitted under that policy period.\r\n\r\nWhen directed to verify coverage, access the Florida Division of Financial Services coverage portal. Use the employer's federal tax identification number or legal business name to search. 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. Note the query date and your name on the printout. File the result in the corporate customer file. This creates a dated record proving coverage was confirmed at the time of the transaction.\r\n\r\nSome employers qualify for exemption from the workers' compensation verification requirement. When an exemption applies, document the exemption category and the supporting documentation. File this documentation in the corporate customer file. Documentation confirms the transaction was lawfully processed without standard verification."
}