Referrals
This may be necessary when an investigator determines that two or more legal entities, who share the same beneficial owner(s) are not operating independently of one another?
TIN Aggregation Referral (CTR@Capitalone.com)
Use this date when describing suspicious card activity.
Transaction Date
This is the amount of time before an alert or case must be decisioned after sending a Customer Outreach request.
10
The customer is 86 years old and account activity involves several out of pattern high-valued checks payable to an unrelated person for no apparent reason.
FEVA
Acquire
Sent when an investigator encounters certain scenarios including an alert with data issues or an alert or alerted activity that could be a potential process improvement.
STAR Referral (starreferral@capitalone.com)
The email address used in the FIU Standard Closing Sentence.
AMLLERequest@capitalone.com
This is the number of days before a new Customer Outreach request can be sent to the KYC Team.
90 Days
During an investigation, you observe payroll deposits from Capital One.
Associate Referrals (SIU)
For Card Branded Book, this is the system where mailed-in payments can be located
Hubble
Scenarios including computer intrusion cases, embezzlement, any wire alert (including Non-CONA) that involves on of the eight Tier 1 SIU Countries, and substantial negative news may require a referral to this department.
SIU Referral
NOTE: "Substantial" entails negative news related to Terrorist Financing or involvement in Terrorist Organization, Human Trafficking/Prostitution Ring, Organized Crime Rings, and Large Scale Negative News found in National Media, that require complex investigation, large scale SAR filing
Date alerted used for Adhocs/ACTs with no parent CWI
Item Date
Contacting the KYC Team or branch personnel
Note: The response will be listed within the Refresh History in iCAN, as soon as a response is received. If no response is received within 28 days, the Customer Outreach request is closed.
Any wire alert (including Non-CONA) that involves one of the following countries: UAE, Turkey, Pakistan, Lebanon, Ukraine, Iraq, Afghanistan, and Yemen.
SIU
Turing
Once it's determined that a full review is needed on 5 or more unrelated Capital One accounts and 10 or more counterparties with 3 or more transactions each are identified within the investigation this referral would apply.
Super Team Referral - Note: Unrelated is defined as not readily identified as an associated account. The 10 or more qualifying counterparties can include any of the 5 or more Capital One accounts that need to be reviewed, as long as those counterparties conduct 3 or more transactions each.
R14
Internal Investigation Number
[RFI V1.0] - Helps prevent a customer's relationship from being incorrectly or inadvertently terminated.
Alert/Activity that could be a potential process improvement for a new NFA, rule logic, etc.
STAR Team
These are our two third-party payment processor services companies and their related systems which are utilized in Card investigations.
CheckFree - Wells Fargo
Homebanking - Mastercard Connect
A referral is sent to this email address if you have NO Money Laundering concerns but there are enough Red Flags to indicate potential Fraud related to PPP or EIDL payments.
AMLCOVIDTaskForce@capitalone.com
Then Non-Issue/No File your item as per your BAU process and send an email referral
SAR Filing Date is defined as...
Date which Capital One submits/sends the SAR Filing to FinCEN
This would indicate that an account is categorized as a Commercial relationship.
The cost center begins with 3
NOTE: There is a specialized procedure in place specific to customer outreach on commercial accounts and supervisor approval is required.
During the course of a Bank ML Investigation, if it is discovered that an owner/signer of an account is deceased but the account is currently open.
Bank Estate Operations
CLO