Microsoft Defender AV must be configured to not allow override of scanning for downloaded files and attachments.
This policy setting configures a local override for the configuration of scanning for all downloaded files and attachments. This setting can only be set by Group Policy. If this setting is enabled, the local preference setting will take priority over Group Policy. If this setting is disabled or not configured, Group Policy will take priority over the local preference setting.
How this relates to the STIG checklist: STIG vs SCAP benchmark.