Fraud Types
This fraud scenario typically involves members unwittingly giving out sensitive account information to fraudsters, who then use this information to gain access to members' accounts.
What is ATO Scam?
This system contains all procedures, checklists, and helpful information on the alert process and you should always have it open while working alerts.
What is go/KC (knowledge central)?
This financial is created to report total (aggregate) prevented dollar amount on detected fraud (not required in Safire).
What is prevented financial?
This is the first level of defense in the fraud department, and where we receive fraud referrals from
What is First Filter or 3P?
CAP
What is Customer Associated Person?
When a true member (PII all verifies) applies for and uses a credit card with no intention of paying the balance
What is Account Abuse/Bust Out?
We use this system daily; it contains most member profile information, products, bank odocs, bank statements, and more.
What is Portal?
This financial is created to inform Recovery to chase funds that are leaving USAA.
What is Recovery Financial?
If we take any of these decision actions on an alert which will adversely impact the member profile, we must submit approvals.
What are BBA, CAD, EXP No Restrictions, EXP No Loss, EXP Loss?
BBA
What is Block Bank Acquisition?
The difference between these 3 First Party Fraud types lies in the total combined, current or expected negative balance across all open/active DDAs as well as if the member called USAA to report.
This system is used to place odocs on member profile
What is Session A?
Created to reimburse ATO victims when funds left USAA or to reverse internal transfers. This financial is required to meet Reg E requirements.
What is a reimbursement financial?
This is the first "step" in the 3-step alert process
What is 360 Review?
USAA
United Services Automobile Association
A new membership is fraudulently created and/or the act of acquiring a product or service using the true person's sensitive information without their knowledge.
What is True Name ID Theft?
John used this system to check the geographic coordinates from which a potentially fraudulent Zelle was sent.
What is IMMAdmin?
This financial is created to report estimated losses and closures on accounts with ATO, ATO-Scam, 1st Party Fraud, and ID Theft
What is charge off/closure financial?
This is the second "step" in the 3-step alert process
What is profile mitigation?
FPF
What is First Party Fraud?
Fraudulent physical checks are presented for payment, and there is no sign of an unauthorized person who successfully authenticated and accessed the member's profile.
What is Account Only Compromise?
All of these systems allow you to see a member's authentication log.
What are RSA, go/bo, and Portal Member Authentication log?
In order to create a financial in the alerting system, this must happen first.
This is the third "step" in the 3 step alert process
What is completing alert in alerting system (or as Alysia calls it "alert paperwork")?
ATO
What is Account Takeover?