Verifying
what piece of information of the customers do you need to use to search for an application?
SSN
If an application falls into Experian or LexisNexis what tool do you use first?
Innovis
What do you do if an application fell into OFAC?
Advise the potential customer of the following:
-Thank them for their application.
-The decision will be mailed to them.
what is the first step you have to do if you see an application has fell into Nestar, Threat Metrix, Neg. List, Card Fraud, LexisNexis Fraud?
Request Docs
What does it mean if you see an application in DeDup status?
Error due to a mismatch between the current CIF (profile) and the application
What search "type" does your atlas have to be in to search for an application?
"Application Id #"
If an applicant does not pass Innovis what tool do you use next?
Accurint
What do yo do if to see an application that say Chexsystems "decline"
Advise customer application was declined due to Chexsystems and the will be receiving a letter in the mail with the result.
What options does the customer have to send Discover documents?
SDU
Fax
What does it mean is you see a W9 error status?
SSN mismatch within existing profile
When you search for an application in atlas what do you click on to pull up the application?
"App Referred"
what information do you have to put into accurint to search applicant?
SSN
What do you do if you see an application that says Chexsystems "Error"
Advise the potential customer(s) Discover Bank needs 2-3 business days to complete the processing of their application
What documents can a customer send in to verify DOB?
-birth certificate
-current passport
-current stated drivers license/ID
What do you do if you get a "ErrInCifOrigination or ErrInAccountOrigination"?
search for an account rather than attempting a new application; this referral type may still generate an account systematically.
What 4 pieces of information do you need to verify before stating you see an application?
Name
SSN
DOB
MMN
What information do you have to put in Innovise to search applicant?
Name
Address
DOB
SSN
What is the time frame for customer to receive letter regarding Chexsystems?
2-3 processing
5-7 mailing
What documents can a customer send in to verify SSN?
-social security card
-W2
-1st page of most recent federal tax return
If there was no account created when you received the error "ApplCommitReferred, ErrInCIFOrigination or ErrInAccountOrigination" what do you do next?
Advise customer to reapply or offer to take new application over the phone
What 7 pieces of information do you have to verify before moving forward with the fall out steps?
Name
Address
SSN
DOB
Phone number
MMN
What do you do if applicant does not pass Innovis or Accurint?
Request docs!
What is Chexsystems?
ChexSystems is a consumer reporting agency
"public banking naughty list"
What documents can the customer send in to verify address?
-Current state drivers license/ID
-Utility bill (phone, electricity, gas, water, sewer/trash)
-Lease agreement/Mortgage statement
If you are working on a DeDup and the customer has already verified the last 4 of their SNN during first level verification, do you still need to verify the full SSN on application?
YES!