PPO
What is an SVC?
👉 A 5-digit security code used to prevent card-not-present fraud.
Two accounts share the same recipient and bank account, but have different names, DOBs, emails, payment profiles, and device IDs.
These are not duplicate accounts. Sharing a recipient alone does not establish duplication.
A US customer is in RK review. They do not have an electronically verified SSN and did not select the SSN option in the send flow. What is the correct next step for the agent?
A recipient sanctions match cannot be cleared by name DOB or location. No recipient ID or CQs are on file.
What is the correct next step before contacting the customer?
Send Challenge Questions (CQs) by marking the case unresolved and selecting “Not enough info” (Name, DOB, or Location as applicable).
True or False: You can request a bank statement to verify Apple Pay ownership.
👉 False
A customer creates a new account after previously being warned about duplicate accounts.
This is a policy violation. Decline using D – Policy_Duplicate_Account_Major, and suspend the new account.
According to the article, what is a primary goal of conducting a fraud review?
To verify that the person using the account is the actual owner of the identity associated with it.
During a RK review you notice that the FINTRAC was passed by an agent. What should you check before moving on?
Check is a POA was used and whether it is valid and matches with the account address; otherwise, request a new one.
A sanctions match has no DOB or YOB available. The sender is located in the UK, while the match location is Pakistan.
Can this case be cleared, and if so, how?
Yes. The case can be cleared by location mismatch, since the sender is not in the same country as the match.
What must be done after approving a transaction made with a spouse’s card?
👉 Educate the customer, delete the card, and advise the spouse to create their own account.
Two active accounts share identity and payment profile.
You are outside calling hours and cannot reach the customer and the transaction is 72+
Decline using D-POLICY_WATCH, place all accounts in Policy Watch, and send an email through CS Platform.
The article specifies a required communication channel for conducting challenge questions for fraud mitigation. Which channel is it?
Voice chanel, to pay attention to the Cx behavior.
An agent is handling a Canadian RK case where the customer, who is unemployed, has listed an annual income greater than '0 - 19,999 CAD'. What is the required next step?
A sender’s DOB is an exact match to the sanctions entry, but the sender has a unique middle name not listed on the match.
What is the correct action?
Escalate the case to Manual Investigation (Tier 2). Exact DOB matches must never be cleared. and make sure the KYC attributes are verified or ID on file
Account address NOT verified, but matches card address and AVS is a full match—what should you request?
👉 A Proof of Address (POA).
A customer previously experienced ATO and was advised to create a new account.
Both old and new accounts still exist, with no new risk flags.
No policy violation. Retain the new account, delete or keep the old account dormant, and continue monitoring.
Could you please name the main pillars of a fraud review?
Identity
PPO
Scam
ATO
During an US Record Keeping Review you noticed that the customer has not answered the Challenge questions and it the only thing that is missing. What is the best course of action?
A transaction is flagged for a sanctions match. What is the first attribute you must always attempt to use to clear the case before anything else?
Date of Birth (DOB)
If a spouse’s card is not system-verified and cannot be validated with external tools, what must the customer provide to proceed?
A bank statement for a joint account or a marriage certificate.
A customer creates a new account from a different sending corridor and receives an FTT promo.
This is allowed. Follow Non-Residency handling or delete the old account if needed. No promo abuse.
After conduting a Fraud Review you determine that a livenes video is required to confirm the customer identity. Would you open a CAR?
False
During an RK review the customer canceled the transaction associated with the RK case? What is the best course of action?
Scenario:
Sender DOB: 05/25/1971
Match DOB: 05/25/1971
Sender has a unique middle name.
Escalate to Tier 2. Exact DOB matches must never be cleared.