Fraud & Security
The two Places to locate the Fraud Procedures
What are the Branch Procedures and SharePoint Fraud Information page?
What are the skimming device procedures & steps?
Must be inspected twice a day including Saturdays, Date & time must be documented by the inspector on the ATM Inspection Log, Drive-up teller machines MUST BE INSPECTED FROM A CAR- employees should not walk up to the drive-up machines,
When inspecting the ATM:
- Look for items that may seem out of place.
- Pull and inspect the card reader. Look inside to see if there is anything placed in card reader. Feel around the reader to see if anything comes loose.
- Place “Test” card into machine in order to see if there is anything that is inside the card reader. Once card is inside machine, attempt to move it around. This may cause any device inside to come loose.
- Inspect keypad. Look for bulkiness
- Look for any cameras. Many times, it could be as small as a pin hole.
The location/s of the Robbery kit/s and how many are required in each branch
Bottom drawer of the banker desk and teller line cabinet. 2 for each branch.
The items scanned and uploaded each month and where are they scanned and uploaded?
Visitor log and ATM Inspection Log. SharePoint, compliance, Quarterly Security inspection link.
The steps for a Compromised Debit Card
Determining if fraudulent Debit Card transactions have posted to the account. completing a Centrix Dispute If Applicable, Closing compromised card by changing the status to 'Hot Card', staying aware of Centrix Claim History and the amount of cards issued in the past (3) months, if card abuse is a concern; complete a CRM Incident.
The safest and recommended way to open the branch
Dual Control
Something that is required in each teller station drawer
Suspect identification sheet
What does CTR stand for and when is it used?
Currency Transaction Report. Cash transactions $10,000.01 or greater.
Who is the Fraud & Security Officer and who is the Fraud Officer?
VP Fraud & Security Officer- Kristen Folloni, Fraud Officer- Nicole Georges.
The steps if an employee notices anything unusual or suspects that a crime has been committed while circling the building during in the morning and who do you call?
Do not enter the building, contact police, maintain discreet surveillance of the premises while waiting for the police, make written notes, if possible, of all automobiles, persons and so forth, in the immediate vicinity of the bank but not attempting to stop or question persons loitering or emerging from the bank premises, supplying police with the information obtained, requesting a police escort when entering the bank office, calling the security department (Mike Morgan and Kristen Folloni)?
Steps to take after a robbery occurs
1. Secure your station drawers once the robber has exited the premise. Section off the affected work area. (place chairs, ropes, etc.) Do not allow anyone to touch or handle anything in the crime area.
2. Inform your supervisor or Branch Manager that a robbery has occurred and to secure the doors/place closed sign.
3. Activate hold-up alarms immediately after the robber has left and doors have been locked for safety of employees/customers.
4. Call 911 as soon as it is safe to do so and activate robbery phone tree located in the robbery kits.
5. Observe the robber leaving if safe to do so DO NOT ATTEMPT TO FOLLOW ROBBER(S) OUT OF OFFICE.
6. complete the "robbery description form" that is located in each teller's second drawer or in the robbery kit (DO NOT DISCUSS DETAILS WITH ANYONE ELSE)
Describe Structuring
Routinely depositing just under 10k to avoid reporting.
Questions asked to determine if Wire Fraud is taking place (Customer requesting to send wire in branch)
Do you know this person? Have you met this person face to face? Have you verbally confirmed with the receiver (required) What is this wire for? Do you feel comfortable sending this wire?
The steps for the morning interior search
What are Opening the door with key/fob access device and closing door immediately behind you, deactivating the building perimeter alarm, conducting a search of closets, alcoves, basement, bathrooms and all other possible concealed places, activating alarms if trouble or duress situation is encountered and it is safe to do so, setting predetermined 'all clear' signal if there are no signs of trouble?
Who's responsibility is it when allowing branch access to visitors and when are visitors not allowed?
It is the responsibility of all branch employees to validate the legitimacy of all visitors to the branch office. Visitors should not be allowed access before branch opening or after branch closing.
What is a SAR and when do we use it?
Suspicious Transaction Report. Whenever you feel the need.
Examples of wire scams currently happening
What are Payment Scams (ex. sending extra money for fees on item that will be shipped), Elder Abuse Scams (ex. Computer virus and the need to access computer remotely- money is then transferred from saved OLB), Longtime Friend Scam (ex. reaching out as old friend and asking for money because they really need help for a hardship), Grandparent Scam (ex. Their grandchild is in danger and money needs to be sent immediately) Romance scams (ex. They need money to fly out to see them etc.)
The steps you take in the absence of an All-Clear Signal
What are not entering the building or making yourself known to anyone inside the branch, calling the opener on their cellphone and asking "Hello (Name) would you be interested in doing a quick survey?", proceeding with opening if answer is yes, hanging up and calling police if the answer is no and calling security directly after (Mike Morgan and Kristen Folloni, remaining outside until after police have arrived and investigated the situation, following instructions given by police prior to entering building?
Who is the BSA Officer?
Christina Hacsunda
What is CRA, where is the branch public file located, what is the address of the physical public file and who is the CRA Officer?
Community Reinvestment Act, Branch public file on SharePoint- Main page, Newport Branch- 10 Washington Square, Kyle Martin.