563 Service Meeting - 01/27

CASL

100

This is what the acronym CASL stands for

Canada's Anti-Spam Legislation

200

CASL is a legislation intended to reduce the amount of electronic spam and other electronic threats. These are 3 examples of those threats.

identity theft

malware

spyware

phishing

text

email

SMS

300

This is the tool used to track customer email preferences. 

Bonus points if you can name the tool that is no longer used as of July 1, 2014.

EPC Tool (Enterprise Permissions Center)

CIF MCCP

400

This is the only line of business branch banking employees can represent themselves on the EPC tool

TD Canada Trust (TDCT)

500

These are 3 examples of emails you cannot send/initiate to customers with promotional content.

credit renewals

investment renewals

offerings related to TD products or services

product upsells

recommendations

contests or other promotions 

newsletters that promote  or market TD products or services

event notifications, such as webcasts and TD Community Events

Privacy

100

This is what the acronym PIAR stands for

Personal Information Access Request 

200

This is the time frame in which we must respond to customer requests for information

30 calendar days 

300

These are 4 examples of information a customer might request using the PIAR system

appraisal requests 

all information

account messages or notes 

copies of documents

MCIF screens

Credit bureau requests

Fraudulent Activity

Customer complaints

Transcripts

400

These are the first two steps in How to Report a Privacy Event

complete the Privacy Event notification form immediately upon awareness of a privacy event

send the completed form to [e-mail]

500

These are 3 examples of the Clear Desk Standard

• keeping your desk clear of papers other than those you are currently using
• making sure that papers are filed away in secure and lockable storage when you are finished with them;
• clearing in-trays regularly and removing personal information from plain view when not actively in use;
• securing sensitive materials when leaving your desk or workspace;
• clearing printers/photocopiers throughout the day

ABBS/Privacy

100

These are two examples of things a customer would update on their contact and privacy information

• Do Not Call List (DNCL)
• Credit bureau options
• Sharing restrictions (both customers and staff)
• Sharing of information/market research participation choices

200

These are the hold funds timelines for cheques drawn off US institutions and foreign institutions 

15 business days

30 business days 

300

This is how you would negotiate a cheque payable to a business and an individual

Must be endorsed by the individual and deposited into the business account. 

400

These are four examples of things we would look for when examining a cheque 

post dated/stale dated

body and figure match 

cheque is signed

payees name matches the name registered on the account

signs of counterfeit or alterations(ink, fonts, etc.)

unnecessary information in the body such as asterisks or cheque number 

500

This is the hold funds period for a cheque issued in U.S. dollars, drawn on a Canadian insitution deposited at the ATM

6 business days 

ABBS

100

This is what you would give a customer if you do not follow the hold fund code

Letter of Refusal

200

These are two tools available to help you make a Hold Funds decision

Know your Transaction (KYT)

Know your Customer (KYC)

Hold code assigned to the profile 

300

These are three reasons we would refuse to cash a Federal government cheque

• There is evidence that the cheque or other payment instrument has been altered in any way or is counterfeit.
• The cheque or other payment instrument is not an item to be accepted under CPA Rule G8 (see CPA Rule G8 below).
• The cheque or other payment instrument is for more than $1500.
• The Bank has reasonable grounds to believe that there has been illegal or fraudulent activity in relation to the cheque or other payment instrument.
• The individual is unable to provide identification as outlined in ID requirements and the Government Regulated ID List above.

400

These are the hold guidelines you follow if there is no recommendation from fraud

• Treat Full Hold, P200, P600 Hold Code customers as P2000 if there is no Alert or Caution recommendation displayed on the KYT Consolidated Enquiry screen for cheque transactions.
• Treat pay cheque deposits as P5000 if there is no Alert or Caution recommendation displayed on the KYT Consolidated Enquiry screen. This would mean that the issuer on the cheque must match Employer on EEMP which has been listed for a minimum of 90 days
• Note: Ensure Know Your Customer (KYC)/Customer Authentication is completed and due diligence on the physical cheque has been followed
• P2000 and P5000 guidelines for No recommendation transaction applies per transaction and not per cheque

500

This is the time limit for return for an altered item

These items may be returned within 90 days through the clearing and after 90 days returned through correspondence.

There is no effective time limit on these items being returned.

ABBS

100

This is the dollar limit for cash exchanges for non-customers

$2,999 per day 

200

This is what would constitute a business day 

Monday - Friday unless one of those days are a statutory holiday

300

This is the time period a forged/missing endorsement cheque can be returned 

up to 6 years 

400

This is the limit a non-customer can deposit to a TD customers account 

$9,999 CAD per day 

500

This the limit for cash payments to a TD credit card/other credit product. 

$9,999CAD per day