Kitting
What is the term when a cx writes a Cheque from their PDA to their CDA without funds available?
What is kitting/ loop
You get alerted to a SB acct cheque deposited today, you are unable to view it and it has a full hold. What Autotext do you use
Auto-text 216
You get alerted to a new acct, they deposit the below cheque, is it fraud?
Yes, credit card information not filled out, unable to trace
When do you send out a Vault?
customer has confirmed fraud
I would like to inform you that your call will be recorded for training purposes
To enhance customer service, security and to confirm our discussions with you
what is the difference between inappropriate banking and Kitting
Kitting is when funds are not available(unauth odp); inappropriate banking is when cx regularly has funds but they dont always line up with cheques going out.
I have confirmed an unable to view chq after setting the reminder, what auto text do i use
What is 223
The customer calls in to confirm a wire from a friend for "investing", cx explains they'll be wiring some out while also using it for Ethereum
Yes, bitcoin scam
Customer has multiple A16's, you review the chq alerted and see no history w/ recipient, how do you proceed? answer for both SBB & COM
SBB: call cx to confirm/ send email to MGRS
COM: email PB+ CBC for verification
While this call is being recorded at TD to ensure quality service the translator is also bound by confidentiality guidelines
and is not permitted to record or speak of this information outside of this phone call.
what auto text do you use when you have Confirmed Kitting? And what type of code do you put on the MCOM "FULL HOLD LODGED ON ACCOUNTS DO NOT RELEASE"
Ila calls in for her Business account, upon further review you see 2 large Cheque deposits 60k each; Ila is a esthetician, When you ask about the cheques they advise you they sold an excavator and a forklift; what do you do next?
Advise Ila of full holds on both cheques pending verification/ inappropriate banking
How do you tag a confirmed fraud ON US cheque?
CHQ Fraud – Counterfeit/CHQ Fraud – Loss avoidance Counterfeit
Customer was unknowingly given a bad cheque or payor suffered financial difficulty and was not able to honor the payment, how do we tag this?
What is CI- Customer error or victim of circumstance
A plane leaves from Toronto with 50 passengers and the 2 pilots on board, on the way to Italy the plane crashes in the Atlantic Ocean, Where do you bury the Survivors?
Why would you bury the survivors?
Customer has confirmed duplicate deposit and its been 3 days since the money left the account, what do you do?
duplicate deposits have a 90 day window, send Vault retrieval