Funding
The dollar amount are you required to verify funds.
What is $10,000.00?
This recipient can be found in CA.
What is Chase to Chase?
Newly opened Chase account.
What is accounts open < 30 days?
Elder or Vulnerable Person
What is a EVP?
In this system you can find the owner's name on a business account.
What is Customer Assist? (CA)
The number of days your account balance can't go below your wire amount.
What is 30 days?
These can be used to verify ownership with an account # when recipient is a non Chase account.
What is EIV and Advance Search?
Customer calls and verified with Mini IVR, OTP, CAT: inapp, expert questions or with a banker with a ConnectUs code.
What is a valid resubmit?
Date of birth, driver's license and other government issued identification numbers, name and social security number are examples of.
What is Personal Identifying Information (PII)?
Here is where you look for velocity.
What is MMCSR?
Funds available immediately but take 3 days to clear.
What are ACH credits/deposits?
Customer successfully sent funds to the same recipient at the same account number and same bank over long period of time.
What is 45-day history?
When customer is owner of external account.
What is self to self with recipient account > 90 days old?
Could show MMGAC sent to phone that verifies to recipient only, recent address changes, alerts indicating suspicious caller, banker notes of domestic changes (e.g. divorce) or ownership / signer changes or recently closed joint accounts.
What are signs of potential spouse / family dispute?
Here you would look for images of checks for an external bank.
What is Enterprise Image Viewer? (EIV)
BTQ, incoming wire, funds from HELOC and cash.
What are guaranteed funds?
You will never wait more than 2 minutes when you do this.
What is call external bank?
This would allow you to auto-decline.
What is a G3, Trifecta and restricted account prior to working alert?
This account opened < six months, history of Deposit Item Returns (DIRs), no signs direct deposit from employer, ATM check deposits and withdrawing funds before it bounces, history of claim returns and velocity.
What are signs of potential first party fraud / wrongdoer?
When a Quick Pay is sent to an email or phone # you can see if they are linked to external bank here.
What is Zelle Directory?
Only required to verify largest two checks in each deposit.
What is multiple check deposits?
They all have access to EWS.
Who are Only Fraud Specialist IV, Fraud Supervisor, Associate Fraud Manager II, and members of Secondary Review Team?
Customer is sending to one of the following recipient's with significant history using Advanced Search, Customer Assist or EIV (supporting website not required)
What is an investment company with customer listed as beneficiary, College / university account, title company, escrow account or lawyer / legal firm, payroll company (e.g. ADP or Paychex) or mortgage company?
Updates to contact information, reissue of debit card to alternate address, attempts to access security features (e.g. Voice Response Unit (VRU) access set up, enrollment in Shared Secrets authentication) and VRU testing may be signs of.
What is social engineering?
You can access COAT to review the customer's OLP here.
What is the CIG Profile ID link in LAD?