Safe Deposit
What is the first thing we should do before opening the gate for safe deposit?
CHECK ID
Before Cashing/Withdrawal, what should we be looking for in mtell?
Funds availability, if a check was deposited to fund the withdrawal, balance history, total relationship.
Name 3 things we are checking for when performing a Weekly Verification.
Explain Closing Procedures
Check the lobby, any closets, open access customer areas, behind doors, under desks for anyone in branch. Lock both doors, bring tubes in, then doors can be opened once all locations have been checked.
Code 99 (any two digits)
Name 3 things that are NOT allowed in a safe deposit box?
Cash, guns, illegal substances of any kind.
What do we write on the back of a check after reviewing CTA?
Write "CTA" and the check number and date which indicates your review.
What day of the month are we not allowed sporadic counts?
MIL - 3-10k
CTR -10,000.01
How many days can we keep retained/captured cards?
5 days for M&T Card, 24 Hours for non M&T
What do you do with the key once the box is open?
Give the customer their key back, hang ours up.
What are we looking for when reviewing CTA?
Maker's signature, check stock, format of check, security features, font size
Where should the Vault Log be when performing a Sporadic Cash Count and a Weekly Verification?
NOT in vault, not near whomever is auditing/being audited.
Someone brings in a Debit/credit card found in the parking lot. What steps need to be taken?
Ambush code
2000 in pin pad
What should we do when a box renter is accompanied by someone else?
All people who enter the privacy room to view contents must sign the entrance card, whether they are renters or not.
When should CTA be reviewed?
New relationship and check is $500 or more, established relationship and check is over $1000, suspected fraud.
What are we looking for when reviewing EJ and Cash Transfer Report during Sporadic audit?
EJ - Checking for excessive cancels, excessive balancing attempts and use of drawer/tcr
Cash Transfer - Ensure teller is not buying/selling to themselves
4 steps of accessing Night Deposit.
1.Under joint access, remove all bags. 2. both individuals must inspect the safe to ensure it is empty. 3. Lock the safe. 4. Count and document all bags/env on BR 987.
Dual vs Joint access
Dual is directly observing another employee complete an action
Joint is actively participating in the action
When customer is done in safe deposit privacy room, what steps should be taken?
Inspect the room first, enter the vault WITH the customer to unlock the box, return customer's key immediately, exit vault with customer, mark entrance card with time out and initials.
What are the seven items of negotiability?
Physical quality, payee, maker, date, drawee bank, amount and endorsement
List the 7 steps of Sporadic Teller Drawer audit.
Hand count top drawer, bait, unfit. Machine count strapped bills (besides 1s). Check teller lockers for access cash/coin. Print & sign strike sheet. Close BTM Batch (even if not checks listed). Review EJ. Review Cash Transfer Report.
Where is the rules on the wall posted?
4 documents by breakroom door.
TCR vs Non TCR drawer and coin limits
TCR - 2k $500 in coin unless vault teller, $1000
NON tcr - 14k. 4k top, 10k bottom, no more than 8k large. Coin limits remain the same.