RPS
Which tab would you go to in order to find a Fraud Intelligence Score?
VICS Tab
Which tab would you go to in order see if an application is flagged for Risk Grade D?
DDA Tab (under ZOOT decisioning)
What is the name of the procedure that is used for remediating KYC issues on a credit application?
Missing KYC Assumptions (Consumer and Business)
In Prebook ECLIPS there are many different tools, but what are the main three third party tools that we use?
Lexis Nexis, Innovis, and Sentilink
What does CAFE stand for?
Customer Authentication and Fraud Experience
Which Mainframe/Hogan screen is used to determine if an IP address is connected to other applications?
0IPI
We have an application with CIP alerts triggered for a minor. The minor cannot be verified with ECBSV or any other tools. Which documents should we request?
Birth Certificate (OR Photo ID) and Social Security Card
What is the name of the procedure used in both RPS and DDA that contains instructions on how to verify specific PII elements for both consumer and business?
CIP Verification Reference Guide
Phone number can be verified with Lexis Nexis in Smartlinx or Phone Finder. What other tool can be used to verify a phone number?
Innovis
Where in BEE can you see accounts that are closed or that the customer isn't a signer on?
On the Dashboard under all opened accounts, open the tab that says "Not visible to customers"
What does ANI stand for?
Automatic Number Identification
What does DDA stand for?
Demand Deposit Account
Which procedure contains steps on how to remediate the Non-profit Doc Review? (Alert shows as Business Doc Review in ECLIPS).
DDA Prebook Business Review
True or False: We can decline an application due to a high ID Theft score in Sentilink.
False - High scores can never be the only reason for a decline, but they will indicate what type of risk is present. Additional research would be needed to support a decline.
What business legal structures are allowed to have PII matching to the AO?
Sole Proprietorship and Single Member LLC
In the credit report, there is one scenario where we would consider a large amount of inquiries to be low risk. What is the scenario?
Large amount of inquiries related to an Auto Loan
Name a scenario where it is ok to decline a DDA business application.
If there are legitimate fraud concerns that cannot be mitigated with documentation, if there is a security freeze, or if there is an incorrect SSN and/or TIN on the application.
What is the name of the procedure used in both RPS and DDA when an alert is present for Office of Foreign Assets Control?
OFAC Hit
Which tool contains information about clustered applications that share specific data elements?
Sentilink
CUAL screen shows 2 addresses...which one is on the left and which one is on the right?
CUAL screen shows physical address on left, mailing address on right. (CUPR) shows only the mailing address.
What documents are requested and are listed in the synthetic decline letter in RPS?
Photo ID, SSN Card, Two years of tax returns, and two months checking account statements.
If you find a charge off in Hogan and it is showing as closed with no balance, how do you proceed?
Contact Retail Support to see if charge off balance is paid or unpaid.
What is the name of the procedure that contains information about filing an Investigative Referral Form?
Filing an IRF
What does BART stand for?
Bad Actor Reporting Tool
In BART, you find a RPS account that is flagged with a risk indicator of FPF. Where and how would you search this account?
In ECLIPS ICS search, change dropdown to UID, and enter four 0's followed by the account number from BART.