Code of Conduct
What does Non-Arm's length include?
Non Arm's Length includes:
Family members
Spouse or partner
Personal relationships
Fraudsters no longer have to write their own phishing emails. What can they use to do it for them?
ChatGPT
What four pieces of data will no longer be able to be sent in email or chat as of March 6?
Bank Account Numbers,
Vehicle Identification Numbers (VINs),
AlbertaDriver’s License Numbers, and
Date Of Birth (DOB)
Culture of Compliance, where can you find the advisory series?
What is the Video Library
What is the name of the new ATB replacement for CSA?
EBX. Everyday Banking Experience.
What triggers a self dealing incident?
Transacting on an account where you have a CRM relationship present.
What do fraudsters need a client to share in order to activate a Mobile Wallet?
OTP ( One Time Password)
In order to send the restricted data- what do I do to email?
Add [encryptatb] in front of the subject.
OBE saves time, in order to authenticate the client what must you adhere to, to obtain their digital signature?
Clients must be present.
Verify client identity prior to opening
What new ATB product allows the HELOC to increase as the mortgage is paid down?
ATB Flex Home Equity Line of Credit
True or False: I am allowed to accept unlimited gifts from my clients as a sign of appreciation?
False. Gifts from one source are allowed as follows: Tangible gifts (meals, clothing) must not exceed $200 annually. Intangible gifts (golf, event initiations) must not exceed $500 annually.
When accessing a website or link, one thing you should always do before proceeding?
Hover over and validate the URL.
On a Quarterly basis, what must occur either by the Branch Manager or the Agent.
A Quarterly cash count must be performed and evidence of such must be loaded to the Agency Compliance and Operations drive.
What unnecessary risk could occur when opening an account on OBX if a client is not present?
Privacy Breaches
Complaints/ reputational damage
Fraud
ATB personal allows clients to increase their limits on any ATB debit card?
False. Only Visa Debit cards have the ability to self-serve increases through ATB personal.
If I suspect something is not right and ATB policy is not being adhered to in my Agency and I wish to anonymously escalate it, what are my options?
ATB Whistleblower program
This Authentication method may only be used by Client Care?
Autopop.
When opening a business account, what process/documentation found in EVA must I follow?
Interactive Form 2854.
When opening a Generation account in Onboarding Express for a client under 18, is it okay to let the limit default to $1500?
False. Individual Generation Account Holders age 17 and under receive a $500 release limit.
What is a deep fake deception?
AI generated voice or images that are used in scams. Ie- grandparent scam.
ATB and the Total Health & Wellness team provides ongoing enterprise-wide wellness resources and messages with our quarterly campaigns. What are the 4 wellness initiatives?
Physical Health
Social Health
Financial Health
Mental Health
What 3 components of Authentication will aid in identifying bad actors?
KYC-Know your customer
KYT- Know your transaction
KYB- Know your business
How soon do I need to complete a termination notice once I am aware someone is leaving?
Termination Request must be submitted within 2 business days of the Agent or employee's last date, so system accesses can be removed.
How much can a client contribute annually to the First Homeowners Savings Account?
$8000.00
What do we need to know about Zero Liability Protection?
Clients must practice Reasonable Care
Trickery does not apply when bad actors try to get the client to share an OTP.