Badges
WHERE SHOULD YOUR EMPLOYEE BADGE BE WORN?
BETWEEN YOUR WAIST AND NECK, AND SHOULD BE VISIBLE.
IF A MEMBER WITHDRAWS $10,000 IN CASH, DO WE NEED TO FILL OUT A CTR?
NO, ONLY FOR AMOUNTS OVER $10,000.
WHO IS OUR BANK SECRECY ACT (BSA) COMPLIANCE OFFICER?
DARLENE PALMORE
WHAT ARE THE SIX CHECKPOINTS ON A CHECK?
DATE/MAKER-DRAWER/PAYEE/DRAWEE/NUMERICAL AND WRITTEN AMTS. MUST AGREE/ENDORSEMENT.
WHAT DOES OFAC STAND FOR? WHAT IS IT? WHERE CAN YOU FIND THE OFAC LIST?
THE OFFICE OF FOREIGN ASSESTS CONTROL IS AN AGENCY THAT ADMINISTERS AND ENFORCES ECONOMIC AND TRADE SANCTIONS BASED ON US FOREIGN POLICY AND NATIONAL SECURITY GOALS AGAINST TARGETED FOREIGN COUNTRIES, ORGAINZATIONS, AND INDIVIDUALS WHO ARE CONSIDERED THREATS TO THE US.
THE OFAC LIST INDENTIFIES THESE INDIVIDUALS OR ENTITIES WHO ARE CONSIDERED ENEMIES OF OUR COUNTRY AND WHO HAVE BEEN PROHIBITED FROM DOING BUSINESS IN THE U.S.; AN UPDATED LIST CAN BE LOCATED ON THE INTRANET.
WHAT WOULD YOU DO IF YOU FOUND A PERSON IN A RESTRICTED AREA?
IF SOMEONE IS NOT WEARING A BADGE AND DOES NOT HAVE AN ESCORT, STOP THE PERSON AND ESCORT THEM TO A MANAGER OR A SUPERVISOR.
IS IT OK FOR YOU TO POST TRANSACTIONS FOR YOURSELF, FAMILY MEMBERS, OR FRIENDS? OR IS IT OKAY FOR YOU TO ALLOW ANOTHER EMPLOYEE TO POST ON YOUR TERMINAL?
NO NO NO NEVER NO.
WHERE ARE THE ROBBERY KITS LOCATED AND WHAT DO THEY CONTAIN?
MSR LINE, MEMBER SERVICE COUNTER, BM OFFICE (SOME OFFICES) AND THEY CONTAIN CARDS WITH SPECIFIC ROLES AND RESPONSIBILITIES WHICH ARE PASSED OUT FOR EMPLOYEE COMPLETION.
WHAT DO YOU DO IF YOU ARE BEING ROBBED? WHAT DO YOU DO AFTER A ROBBER HAS LEFT? WHAT DO YOU IF YOUR NEIGHBOR IS BEING ROBBED?
DO AS THE ROBBER TELLS YOU. IF SITTING ON A TCR OR TCD, DISPENSE THE PRESET ROBBERY MIX. SET OFF THE ALARM IF YOU FEEL IT IS SAFE TO DO SO. TRY TO REMEMBER AS MUCH AS YOU CAN ABOUT THE ROBBER, CLOTHES, EYE COLOR, HEIGHT, TATTOOS, ETC. IF YOU HAVEN’T SET OFF THE ALARM ALREADY, DO SO. NOTIFY A SUPERVISOR. DO NOT ALLOW ANYONE TO GO NEAR YOUR STATION. ISOLATE YOURSELF AND DO NOT DISCUSS THE SITUATION WITH ANYONE EXCEPT THE AUTHORITIES. REFER TO THE CARD LOCATED INSIDE YOUR BAIT SLEEVE FOR FURTHER INSTRUCTIONS. IF YOUR NEIGHBOR IS ROBBED SECLUDE THEM, NOTIFY A SUPERVISOR OR MANAGER, AND START PASSING OUT THE CARDS IN THE BLACK BOX.
WHAT IS A SAR? WHEN DO YOU FILL OUT A SAR? WHAT DEPARTMENT IS A SAR/CTR SENT TO?
. IT IS A SUSPICIOUS ACTIVITY REPORT. YOU SHOULD FILL IT OUT WHEN YOU NOTICE A MEMBER COMING IN AND STRUCTURING DEPOSITS, OR ANY SUSPICIOUS DEPOSIT OR WITHDRAWAL ACTIVITY OCCURS. An E-MAIL IS SENT TO THE BSA DEPARTMENT LOCATED AT THE OPS BUILDING.
WHAT TYPE OF BADGES DOES THE CREDIT UNION ISSUE TO VISITORS AND WHAT DO THEY MEAN?
. YELLOW-VISITORS DO NOT NEED AN ESCORT EXCEPT IN HIGHLY RESTRICTED AREAS.
RED-VISITORS NEED AN ESCORT AT ALL TIMES.
(FYI NINE DIFFERENT BADGES: EMPLOYEE, VENDOR/TECHNICIAN, INDEPENDENT CONTRACTORS, EXAMINER/AUDITOR, YELLOW, RED, TEMP SERVICE, CLEANING SERVICE, AND GUARD SERVICE)
WHEN A NON-MEMBER COMES IN TO CASH A PERSONAL OR BUSINESS GECU CK, WHEN WILL WE VERIFY THE SIGNATURE?
WHEN THE AMOUNT IS MORE THAN $500 FOR A PERSONAL CHECK AND ALL BUSINESS CHECKS REGARDLESS THE AMOUNT DO NOT NEED TO BE VERIFIED.
WHAT IS THE BANK SECRECY ACT?
IT PROVIDES LAW ENFORCEMENT WITH A MEANS OF DETECTING AND DOCUMENTING FINANCIAL TRANSACTIONS THAT MAY HAVE A CONNECTION TO MONEY LAUNDERING, INCLUDING DRUG TRAFFICKING, EXTORTION, AND TAX EVASION.
WHAT THREE TYPES OF CHECKS CANNOT BE STAMPED “PLACED TO THE CREDIT OF”?
THREE “I’s” INCOME TAX CKS, INSURANCE CHECKS, INDICATED
WHERE CAN YOU FIND THE TYPES OF ID’S WE CAN ACCEPT FROM MEMBERS?
THE ACCEPTABLE TYPES OF IDS CAN BE FOUND IN THE INTERACT MSR MANUAL. FOUND ON THE HOME PAGE OF THE INTRANET-QUICK LINKS-USEFUL DOCUMENTS
WHEN IS IT SAFE TO ENTER THE BUILDING
WHEN THE SAFE TO ENTER THE BUILDING CODE IS PRESENT. SAFE TO ENTER THE BUILDING CODE CAN BE THE__________OR THE __________. * Sups will share codes
A MEMBER COMES IN TO DEPOSIT CASH IN THE AMOUNT OF $18000. WHEN YOU ASK THE APPROPRIATE QUESTIONS TO FILL OUT A CTR, THE MEMBER CHANGES THEIR MIND AND TELLS YOU TO CHANGE THE DEPOSIT AMOUNT. WHAT DO YOU DO?
DO THE TRANSACTION AS REQUESTED BY THE MEMBER, AND WHEN THE MEMBER LEAVES FILL OUT A SAR (SUSPICIOUS ACTIVITY REPORT).
HOW DOES THE BANK SECRECY ACT AFFECT THE CREDIT UNION?
THE DEPARTMENT OF TREASURY REQUIRES THAT ALL FINANCIAL INSTITUTIONS REPORT ANY CURRENCY EXCHANGES, EITHER DEPOSITS OR WITHDRAWALS OF MORE THAN $10,000 WITHIN 15 CALENDAR DAYS OF THE TRANSACTION DATE AND REPORT ANY SUSPICIOUS ACTIVITY.
WHAT ARE GECU’S CHECK HOLD POLICIES?
ALL CHECKS ARE CONSIDERED LOCAL AND CAN ONLY BE PLACED ON HOLD FOR TWO BUSINESS DAYS. REFER TO CHECK ACCEPTANCE GUIDELINES TO DETERMINE THE TYPE OF CHECK AND HOW MUCH IMMEDIATE CREDIT WILL BE GIVEN TO CHECKS. IMMEDIATE CREDIT IS ADDED TO WHAT THE MEMBER CAN SECURE BY THEIR SHARE OR CD ACCOUNTS.
WHAT ARE THE PROPER PROCEDURES FOR EXTORTION
REACH FOR THE EXTORTION CARD NEXT TO THE PHONE, WAIVE IT TO A CO-WORKER AS A SIGN FOR HELP OR SEND AN EMAIL OR MESSAGE SENDER (FSBA) TO THE BRANCH, AND PROCEED TO FILLING OUT THE INFORMATION SHEET.
WHAT DO YOU DO IF THE SAFE TO ENTER CODE IS NOT OUT WHEN YOU ARRIVE IN THE MORNING?
DO NOT APPROACH THE BUILDING. IF YOU DO NOT HAVE A CELL, GO TO THE NEAREST PHONE AND CALL SECURITY AT 637-1600 TO MAKE SURE IT IS SAFE TO ENTER THE BUILDING.
IF A SUPERVISOR, MANAGER, VP, ETC., GIVES YOU A CHECK TO DEPOSIT THAT LOOKS SUSPICIOUS, OR YOU HAVE SOME QUESTIONS ON THE CHECK, DO YOU APPROACH ANOTHER SUPERVISOR, OR TAKE THEIR WORD FOR IT?
IF YOU ARE QUESTIONING THE CHECK, YOU SHOULD APPROACH ANOTHER SUPERVISOR/MANAGER.
WHAT IS THE DEFINITION OF DUAL CONTROL AND ITS PURPOSE?
TWO INDIVIDUALS TAKING INDEPENDANT COUNTS/VERIFICATIONS AND THOROUGHLY UNDERSTANDING THEIR ROLE IN THE PROCESS. ITS PURPOSE IS TO ENSURE THE INTEGRITY OF NUMEROUS CASH HANDLING PROCEDURES AND THE PROPER MAINTENANCE OF CASH AND CASH LIKE ITEMS.
WHAT PROCEDURE DO YOU FOLLOW IF A MEMBER WANTS TO PURCHASE $1000 IN CASHIER’S CHECK(S) WITH CASH?
ENTER INFORMATION INTO MI LOG FOR PURCHASE OF MONEY ORDERS.
WHAT IS REGULATION CC?
A REQUIREMENT FOR FINANCIAL INSTITUTIONS TO MAKE FUNDS DEPOSITED INTO ACCOUNTS AVAILABLE FOR WITHDRAWAL WITHIN SPECIFIED TIME PERIODS, IN ADDITION TO REQUIRING THE PROPER DISCLOSURE OF AN INSTITUTIONS FUNDS AVAILABILITY POLICY