Authentication
The only individual who can complete Authentication.
Authorized Signer
Must be read verbatim
Disclosure
Timeframe for no address changes to mail a new debit card or complete ATM limit increase
30 days
A tool used to explain overdraft services
Overdraft Relay
A type of customer that is exempt from Step-Up Authentication
Cross Boarder Banking Customer
Must be received after reading a disclosure
Affirmative consent
This must be reviewed before performing a high risk transaction
Red flags
A service that must be explained verbatim
Overdraft Services
A rule for how many attempts the customer gets to provide the correct name or password on the account
3 Strike Rule
A best practice to ensure affirmative consent
May I take that as a yes?
This must be completed before performing a high risk transaction
Step-Up Authentication
Must be tracked in the beginning of the call
Complaint or Inquiry
A process that allows some Mobile App callers to be Step-Up Authenticated
Passive Voiceprint
A response to answers provided during IVR & Full Authentication
Thank You
The maximum amount for an ATM limit increase
$5,000
Best practice before starting ID proofing
Set the expectation
These details must be verified when completing an address change
Street, City, State & Zip Code