Robbery
WHAT IS CASING?
SOMEONE OBSERVING THE BRANCH, LOOKING AT CAMERAS, TAKING PICTURES, ETC
WHAT IS YOUR RESPONSIBILITY AT YOUR DESK THROUGHOUT THE DAY AND AT THE END OF THE DAY
Keep all confidential items/cash/valuables/computer locked up. if helping a client, no other confidential info accessible/in view
who do we get approval from for large cash withdrawal requests? (over $25K)
BOM- Leah Gamez
EXPLAIN THE DIFFERENCE BETWEEN SOLE AND DUAL CONTROL.
Sole control- only one person has custody
dual control- two people must be together for task (both eyes on task, no side conversations, no phone calls, etc)
WHAT IS THE COMPLETE CLOSING PROCEDURE?
After all cash, documents, etc are locked/shredded, two people sign the closing checklist (as they do the item), Once complete, one person goes to their vehicle while the 2nd watched from inside the branch, once safe, 2nd person sets alarm and walks to their vehicle while 1st person watches. Once both are safe, leave premises
WHEN IS IT APPROPRIATE TO PRESS YOUR HOLD UP BUTTONS?
WHEN ITS SAFE TO DO SO
WHAT ARE THE CASH DRAWER LIMITS?
THE VAULT?
$3K in top drawer, $10K total in front, $25K total drawer limit
Vault- keep under $25K in vault A, remaining in vault 8
what is the procedure when a cash request is over $25K?
notify BOM first, sent email to Optinet and CC BOM with customer name, account payment method, dollar amt requested, date client will be in, reason for cash, name of country if leaving US
EXPLAIN WORKING AND RESERVE VAULT CASH
Working is under $25K in vault A and coin in vault B
Reserve is any cash over the $25K held in vault 8
WHERE ARE EXTRA NEGOTIABLE ITEMS KEPT? (CASHIER CHECKS, MONEY ORDERS, COUNTER CHECKS)
Vault 7- sole custody
WHERE IS THE ROBBERY KIT LOCATED?
WHAT IS IT?
In the Branch Emergency Manual next to the door in the vault room.
contains: robbery assignment cards, Robbery questionnaire, witness record, All Clear card, Robbery instructions (1-6 list at your desk) , Robbery Documentation checklist (what we provide to police/security)
HOW LONG CAN AN ASSOCIATE BE THE VAULT CUSTODIAN?
UP TO 90 DAYS
IF A WITHDDRAWAL AMOUNT IS OVER YOUR LIMIT, WHAT TYPE OF APPROVAL DO YOU NEED?
“P” (pay) with initials of approver
WHAT IS THE PROCEDURE FOR BALANCING A CASH DRAWER?
From the ‘balance’ tile, count the drawer and complete the denomination fields, click done (if in balance), if end of day settle the drawer
IF A DRAWER IS OUT OF BALANCE, WHAT AMOUNT DO WE MAKE THE BOM AWARE?
Outages $100.00 and over
EXPLAIN WHAT TO DO IF YOU ARE A ROBBERY VICTIM.
remain calm, activate hold up button, notify supervisor, do not touch area robber may have touched, secure cash and lock drawer, protect evidence, complete questionnaire form, speak with law enforcement
WHAT ARE YOUR AUTHORITY LIMITS?
CAN YOU SIGN GL TICKETS?
WHERE ARE THESE DOCUMENTED?
SSR/SrSSR $10K; $100K
BSR $15K; $250K
FSM/OSS $30K; $1M
yes-everyone has authority
on your authority limits sheet
WHAT IS THE BEST PRACTICE FOR COUNTING OUT CASH TO CLIENT?
3 times- once when you remove from drawer, once when you enter into system, once when you count out to client
WHAT IS THE PROCEDURE IF A DRAW IS OUT OF BALANCE?
Recount cash, look through work, verify any sell/buys
If under $10 submit (let ops leader know prior)
If over $10 a 2nd associate must count drawer prior to submitting
Follow ‘Resolving Cash Outage’ in D1 Manual
GIVE ME 5 THINGS THE 'DEPOSIT' BOX ON A DECLARATION/RESOLUTION GIVES AUTHORITY TO DO.
Open/close accounts for Entity
apply for overdraft protection
write checks, authorize payments, transfers, endorse checks
authorize others to be on signature card
sign Entity up for digital banking
sign Entity up for treasury products/merchant services
sign ND agreement
sign wire agreements
WHERE ARE THE NOTIFICATION LIGHTS?
WHAT DO YO DO IF THEY ARE ACTIVATED?
by the door between lobby and back(lender side), breakroom, vault room
call SOC to have them check cameras, call 911
WHAT FALLS UNDER 'PAY' AND 'TRANSACTION REVIEW' LIMITS?
Pay- cashing checks, withdrawing, max limit to overdraw on NSF, less cash on a deposit, cashing a savings bond, D1 transfers/withdrawals between unrelated accounts
TR-all proper elements of transaction being reviewed: endorsement, items of negotiability, relationship review, Reg CC hold eligibility. TR covers total transaction amount- deposits, purchase of Cashier’s checks, account transfers, outgoing wires, loan payoffs
WHAT IS THE CASH SHIPMENT PROCEDURE?
Check for recommended return amount and ship within 10%. If unable, contact OptiNet. Print two copies of shipment detail (one in bag, one for branch), vault custodian and 2nd associate verify and sign, retain for 30 days in binder
WHAT ARE THE PROCEDURES FOR AUDITING A CASH DRAWER?
All cash drawers must be audited quarterly- by Ops leader or designee (cannot be a direct report of the associate being audited
BOM coordinates the Ops leader’s drawer audit
One audit per day (unless vault teller)
In the morning before transactions processed
Dual control the entire time-auditor counts cash and enters into D1
Drawer owner observes only
Before performing audit: check journal (if not before transactions ran), POD work, workstation and cashdrawer- no checks, papers, envelopes inside cash drawer
Select ‘Audit’ in D1, once submitted print ‘draw audit journal transaction details’ screen and both associates must sign. Put in binder for the quarter
WHAT IS OUR IMPLEMENTATION DATE FOR D1?
10/27/2025