Verify ID
Tool you MUST use on every non-member ID, profile or not.
What is the Fraud Fighter light?
KeyStone tab that lists prior checks cashed by a non-member.
What is “Additional Options – Check Activity”?
System area that displays any stop payment on the share.
What is the relationship tree / savings-hold record?
Legal amount we accept a check for.
What is the written amount?
Dollar level at which you must verify member signature (non-CU corp. checks).
What is $250?
The minimum type of ID accepted for a non-member check cash.
What is a valid, unexpired government issued photo ID?
Main fraud-fighting reason we review recent account activity.
What is to spot suspicious or unusual transactions?
Backup source that may let you pay a check even when the share balance is $0.
What is overdraft protection/courtesy pay?
Action to take if you discover the check has been altered.
What is refuse to cash it and escalate?
Threshold that requires an OFAC scan for every non-member.
What is $500?
If UV security features don’t appear, this is your very next action.
What is stop the transaction and seek a manager/fraud team?
First step if a non-member profile is NOT found in KeyStone.
What is create a person record?
Table you open in File Maintenance to check a Credit Union corporate check.
What is the “Check” table?
Memo line on a $1,500 check reads “babysitting.” This red flag is called _______.
What is possible fraud?
At this amount you must also CALL the member to confirm the item is valid.
What is $1,000?
Two pieces of personal data you verbally confirm after reading the ID.
What are the current address and date of birth?
Number of NSF returns allowed before you must call a manager.
What is more than one return?
Words you stamp/write on a check that carries a stop payment.
What is “Payment Stopped”?
If the person cashing owes the Credit Union money, you must contact this team first.
What is Member Solutions?
Action required if the OFAC hit shows SDN or PEP 95 % or greater match.
What is immediately contact Compliance Officer and await approval?
Extra data you must have on file before completing a CTR-sized cash transaction.
What are the individual’s Tax ID and specific employer/occupation?
Two kinds of account issues—other than low funds—that you might spot while reviewing history.
What are restrictions/holds and stop payments?
If BOTH funds and overdraft protection are unavailable, you do this with the check.
What is return it to the payee and explain we can’t negotiate it?
List FOUR visible items you verify before accepting the paper check.
What are date, spelling, routing number, and maker’s signature? (Any four valid items earn credit.)
Amount above which you follow a separate, escalated procedure (no details needed here).
What is $7,500?