Microsoft Defender AV must be configured to always enable real-time protection.
This policy setting turns off real-time protection prompts for known malware detection. Microsoft Defender Antivirus alerts when malware or potentially unwanted software attempts to install itself or to run on a user's computer. If this policy setting is enabled, Microsoft Defender Antivirus will not prompt users to take actions on malware detections. If this policy setting is disabled or not configured, Microsoft Defender Antivirus will prompt users to take actions on malware detections.
How this relates to the STIG checklist: STIG vs SCAP benchmark.