AUDIT Questions 1
What is the Duress Code for the Alarm Panel?
1937
During a robbery what do you hit to dispense money out of the ECR?
Achieva 300
What are a couple examples of common scams our members are falling for right now?
IRS Imposter Scam, Romance Scams, Nanny, caregiver and work from home scam, Family Emergency Scams and Grandkid Scams.
What are the perks to having a partner account?
Scrubs, School Supplies, Veteran Hat, Lunch Box, Flashlight or $25 gift card, free checks and .25% of select loans.
Check #1
Fraudulent IRA check. IRA checks will not come from the business
What is the duress code for the Vault and Night Drop?
1 up or 1 down from your code
How often do we change the all clear signal?
Quarterly
When do we complete a CTR?
Cash transactions of $10,000.01 in or out in a business day.
What are options for a member looking to consolidate debt?
Balance Transfer, Personal Loan, HELOC, Title Loan etc.
What would the hold look like on a $47,000 cashier's check a member wants to deposit in their checking account?
Check Hold = Local
Check Exception Hold Reason = Nonce
Available Amount Option = Release Specified Amount
Amount = $5525
Rest will be held for 5 business days
What is the duress code for the ECR's?
10 up from your code
How do we identify the auditor?
Make sure to check her ID BEFORE she comes into the branch.
What is your procedure for checking in a vendor?
See ID (unless it is a usual), verify we were expecting a visitor, fill out vendor log in form. If someone needs into IT room, please verify with manager.
How can you find the image of an ONUS check?
On the HUB, under Branch links, ITC ImageCenter Weblink, Click research. Narrow down the search criteria to match the check you are searching for.
Onbase - Checks onus - Check Image - Search using full account number (Check digit or Share ID)
Member got a personal check from their mom to help them out. Member is depositing the check of $35,000 into checking. What does the hold look like?
Local hold.
$600 today
$5,525 in 2 business days
The rest in 5 business days
What is our safe spot?
WAWA
What are all the account opening disclosures given at account opening?
With a Checking add these
3 - front door, storage room and by the break room door
What are some red flags you may see during account opening?
Unpaid Charge Off (Need Proof its paid)
"lots" of Inquiries on chex (Ask more questions)
Fraud alert on credit report (Call number provide on report)
Older person without credit history (ask questions)
Current address is a lot closer to another branch (or county)
If they ask how soon they can get a debit card
If we see a new account alert and the member is depositing a check into the account, what does the hold look like?
New account status for 30 days after opening the account
Local Hold
9 business days
What is the all clear signal?
Kleenex box in the the managers office window
Where are the Emergency Preparedness Guides located?
MSA room and Vault Room
What is a SIR and when would you file it?
A report that gets sent to Risk for any incidences that occur that you deem suspicious, hence the name SIR
(suspicious Incident Report)
Structuring, any unusual or suspicious activity, elder abuse ect.
What is the difference between dispute and fraud in Quick Assist?
Fraud is something they have no knowledge of or have ever utilized the services of that company. (Complete a Lost/Stolen Report)
Dispute is a transaction that the member may not recognize or agree with, due to giving their card information for goods or services (example is a free trial of something) We can complete a dispute after the transaction has posted, and that they have contacted the merchant first.
Check #2
Came back as counterfeit. Red flag would be the amount of the check coming from a College or University.