FRAUD
TRAN CODES
MC Misc.
ACCOUNT RELATIONS
ALSO A TAYLOR SWIFT SONG
100
What are some "red flags" to watch out for with New Account Fraud? *Name at least three*
Ask about Instant Issue immediately, Ask about check deposits at ATM, Ask about Overdraft/Privilege Pay immediately, Wants counter checks right away, Limited Eye Contact, Deposits minimum or just about the minimum, Seems like they are reading off a script, or Generic Occupation
100
What is the code for an early W/D from a CD?
179
100
This department has employees who work with our members based on referrals and these employees have access to other products/services such as: retirement planning, annuities, college planning, life insurance review, 401K planning, etc.
Investment Services
100
Owner on an account that was established under their personal RIM
Primary Owner
100
One word for "what goes around comes around"
KARMA
200
The system where you would file a claim for ACH Fraud?
CentrixDTS
200
What is the code to close an account?
176
200
This service is something that members are automatically opted into if they have multiple accounts at STCU
Overdraft Protection (ODP)
200
Owner on an account that was not established under their personal RIM
Joint Owner
200
Not yours, but ____
MINE/OURS
300
What form must be completed if the member has check fraud?
Written Statement of Check Fraud
300
What is the code for the membership fee?
600
300
In which system can we establish autopayments for credit cards?
Springboard
300
Person who has no access to the funds until primary and joint(s) pass away
POD Beneficiary
300
This takes place one week after Christmas
NEW YEAR'S DAY
400
If a member thinks their credit card might be lost, but they don't see any fraudulent activity, and they want time to look for their card... what type of "block" can we place on the card?
"A-Block" / Soft Block
400
What is the code for a Cashier's Check no fee?
903
400
If a member wants to adjust or remove accounts linked for ODP, which system do we use?
PHX
400
Unable to manage their own accounts, legally appointed
Custodial/Guardianship/Rep Payee
400
Walt Disney's Pooh Bear is famously known for always eating what?
HONEY
500
This resource provides essential information for understanding debit card statuses, status meanings, and appropriate action to be taken for each status.
Debit Card Status Job Aid/Card Control Status Job Aid
500
What is the transaction code for an ACH Transfer Debit that was initiated externally?
BONUS: For what other ACH Transfer type would we see this code?
161
BONUS: OLB Transfer BillPay
500
What can Authorized Card Users do? *Name at least three*
Request a new card due to the following reasons: Card worn out, PIN transaction denials, Card transaction denials, ATM capture, Early reissue, or Lost/stolen. Alert STCU they will be traveling so we can load travel notifications for them on their OWN card. Report their card lost or stolen – STCU block the card. Request to have their PIN attempts unlocked to the max PIN tries. Report disputed transactions or fraud claims.
500
Person who has access over business structure
Authorized Signer
500
What is the name of this man-made stone?
OPALITE