Alerts
Can we use Navy Federal bank statement for address verification?
No. Bank statements presented for Address verification must be from another NCUA/FDIC insured financial institution.
This alert indicates the member has advised Navy Federal that they have:
Level 3 Id Theft Risk alert
This level 5 alert identifies members suspected of being an account takeover victim with money movement or the member calls/visits a branch claiming they are the victim of account takeover with money movement.
Account Takeover Alert
This level 7 alert indicates that Navy Federal does not have the current address on file for the member.
Address Unknown- Restricted Alert
This level 9 alert identifies an account that has been permanently restricted due to activity or conduct that is unlawful or otherwise violates Navy Federal's Membership Agreement or other applicable Navy Federal terms and conditions.
Compliance Closure Alert
When can team members delete Address Unknown Restricted alert?
After verifying the address is correct or updating it as necessary.
These level 3 alerts indicate that the member's account has been charged off, causing Navy Federal a loss.
Account Charge Off Alerts
The level 5 alerts below are placed when a member has one or more accounts that have been charged off causing Navy Federal a financial loss and the member has settled the account for less than the full amount owed.
Account Charge Off Settled Alert
This alert is placed when Survivor Support has been notified that a member has passed away and they are working with the parties involved concerning the death.
Deceased Alert
This level 9 alert is placed on a member's account when a garnishment or lien is received or for a Bank Secrecy Act (BSA) compliance concern.
Security Legal Attachment Alert
Who is responsible for adding and deleting Deceased alert?
Survivor Support
This level 3 alert indicates that the member has exhibited abusive behavior and is not permitted on branch premises
Branch Access Prohibited Alert
This level 5 alert is placed on an account when all debit card products need to be restricted as a result of multiple fraud and/or dispute claims or not safeguarding the card.
All Debit Cards Restricted Alert
This alert is automatically placed when an adult joint owner on a minor account has failed the eID process, membership is established for a minor enrolled in the Delayed Entry Program (DEP) and an adult joint owner is not required, or a non-personal account (e.g., business, association, Public Unit) is established by an owner that is not a Navy Federal member
Pending eID Approval
This level 9 alert is placed when Fraud Operations has determined fraud has occurred against Navy Federal and is outside the acceptable risk guidelines.
Confirmed First Party Alert
These alerts cannot be removed at the branch level.
Level 9
This level 3 alert is placed when a member has been a victim of account takeover and has completed steps necessary to secure their account.
Confirmed Compromised Online/Mobile Banking Alert
These level 5 alerts are placed on an account when only the Consumer or Business Debit Card needs to be restricted as a result of multiple fraud and/or dispute claims.
Debit Card Abuse Alert
This alert is placed when an individual is suspected of illegally creating a membership using another individual's identity without permission.
Level 7 Suspected ID theft alert
This level 9 alert is placed when indicators identify the membership was created using another individual's identity without permission.
Confirmed ID Theft Alert
When do you contact Fraud Operations?
Unless specified in the guidance for the call type or notes specifically state to contact Fraud Operations.
This alert is placed when an unknown party attempts to access a member's account information.
Suspicious Person Alert
These level 5 alerts indicate that a member has one or more accounts that have been charged off causing Navy Federal a financial loss.
Consumer Loan Charge-off Alerts
This alert is placed when a member is suspected of committing a financial crime against Navy Federal.
Level 7 Suspected First party alert
This level 9 alert is placed when indicators identify the membership was created using a synthetic social security number.
Confirmed Synthetic ID Theft Alert