BSA
CIP
Red Flags
Branch Ops
Security
100


Information that's is required by BSA to be collected on a “customer” before opening an account (establishing membership)


What is name, address, date of birth, and Identification Number (SSN for a US person)

100

The Customer Identification Program (CIP) is required in order to comply with what regulation


What is the Bank Secrecy Act (BSA) regulations.

100


What are some behavioral clues?


Body language conveys nervousness, not familiar with transaction being requested, avoids eye contact, being coached, transaction just below CTR, changes request after learning more about accounts.

100

During Business Hours the maximum cash-level amount for a cash box at a workstation with an adjacent TCR


What is $2,750, including the robbery fund, coin (e.g., loose, rolled) and unfit currency

100

Number of team members required to enter the branch before opening and after business hours

What is two team members, one must be an authorized user for the alarm system at that branch, and the second can be any other Navy Federal team member.

200


Types of illegal activity the Bank Secrecy Act is intended to disrupt and prevent

                                                                            

What is Money laundering and (since the USA Patriot Act) terrorist financing schemes.

200

Examples of acceptable ID for CIP purposes

Unexpired U.S. Driver’s License, Unexpired State Issued ID Card, Unexpired Government Issued Passport or Passport Card, Permanent Resident Alien Card, Native American Tribal Identification Card, Military ID (for Branch Only)

200


What are some Transactional Clues?

Monetary transactions that are large or unusual (over $10k, individual is adamant that cash is required rather than cashier’s check or wire transfer, multiple unusual withdrawals over a short period of time).

Unusual or non-typical transactions

-New member (about 90 days or less) with unusual withdrawals or deposits greater than $1000, member requests cash advance on a non-NFCU card

-Source of funds for account funding a transfer via Mobile App or check deposit

-Credit and Debit Cards: presents more than one credit card for a cash advance, multiple cash advances on same card, multiple cash advances in a short period of time

-Real Estate/Escrow Wire Transfers

 

200

After Business Hours the maximum cash-level amount for a cash box at a workstation with an adjacent TCR


What is $250

200

The appropriate actions for the second team member to take if all-clear signal is missing after a reasonable amount of time

Call the branch private phone line, if team member answers, ask the current all-clear security question.  If team member answers correctly, remind them to set all-clear signal.  If team member answers incorrectly, they may be in danger – immediately call local police.  If team member does not answer, immediately call local police, followed by Security Force Pensacola, followed by the Regional Manager.

300

Dollar amount for a cash transaction would cause you to submit a CTR.


More than $10,000 ($10,000.01 or more)

300

 Examples of acceptable Proof of Address Documents

Voter’s Registration, Paystub within Past 2 Months, Vehicle Registration, Insurance Documents, Bank Statement, Local/State/Federal Tax Documents, Utility Bill, W2 from Most Recent Tax Year

300

What are some Identification Clues?

Member unable to answer basic questions about relationship with Navy Federal, ID appears altered (use fraud fighter pen), physical description on ID does not match photo or physical appearance of person, age mismatch (e.g., 25 year old Admiral)

300

During Business Hours the maximum cash-level amount for a cash box at a workstation with a non-adjacent TCR


What is $10,200, including coin (e.g., loose, rolled) and unfit currency.


300

Bill mix for buying bait

what is 70 20s- $1400, 70 10s-$700,  60 5s-$300, 100 1s-$100


400

When submitting a SAR, its a good idea to leave a member level note in USD?

 SARs are confidential, so no note should be placed in USD.

400

All teller and platform transactions require inspection of the ID with two things


Fraud Fighter pen to verify the security features documented in the ID Checking Guide.

400

If the member has been advised that red flags indicating a wire scam are present but wishes to proceed

What is are all team members aware that the member must complete and sign the Wire Transfer Request and Attestation Form (NFCU 753B)

400

During Business Hours the maximum cash-level amount for a cash box at a workstation without a TCR


What is $13,200, including coin (e.g., loose, rolled) and unfit currency

400

Title of Alex Daman 


Chief Security Officer

500

This coupon is used if you suspect that the account holder is being taken advantage of as due to their age or mental/physical capacity.

What is Elder Abuse & At-Risk Persons Coupon 

500

Members presenting two unexpired IDs cannot present

Members can not present two of the same unexpired IDs, (e.g., driver's license or state ID from different or same state; US or foreign passports).

500

If a check seems to have doubt of collectability 

What is place on a 5 day hold and send to suspicious deposits

500

During Business Hours the maximum cash-level amount for a cash box at a workstation that is an open MSR.

What is $250

500

Instruction 2072

 Bomb Threat

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