Culture
Who is our CEO?
Chris Gorman
When do we use Intelli-Check?
- Non-client check cashing and cash advances for any dollar amount
-KeyBank client when cashing a check, processing a withdrawal or a cash advance that exceed $1500
-Any dollar amount if you suspect there are any red flags
-Opening a new account for a prospective client
Durations of Holds
5 Business Days
Bait money is money intended to help in the apprehension and conviction of bank robbers.
What is Reg CC?
Regulation CC requires banks to disclose their funds availability policies to clients and to notify clients whenever banks place case-by-case or exception holds on deposited funds.
What are our 3 Pillars?
Head - Heart - Hero
What is KeyPro?
KeyPro is like Google. You can find any procedure/policy that you will need while in a branch.
What are the 4 Types of Holds we can do in Branch?
-New Account Hold
-Redeposited Item Hold
-Reasonable Cause Hold
-Repeated Overdraft Hold
When is Cash Available?
Immediately
What is Caregiver Scam?
Often a person entrusted to help an elderly or vulnerable client can be the person defrauding the client.
What does FORD stand for...
Family
Occupation
Recreation
Dreams
What are the drawer limits?
$2,500 - Top
$4,000 - Bottom
$15,000 - Cash Limit
A redeposited item hold cannot be used when?
- The check was a postdated check that is now current.
- The check was missing an endorsement, and the missing endorsement has been obtained.
- The check was deposited via mobile deposit and returned for the reason “unusable image/poor quality.”
What is Cashbox #25?
Main Cash Vault
Which app/tool would you use to report any fraudulent activity?
REPORT IT!
What is Financial Wellness?
Financial Wellness allows us to establish and continue to build and expand relationships with our clients.
What are primary forms of ID?
- Valid driver's license
- Valid state-issued non-driver's license photo identification
If there is a hold on a check, what do we provide to our clients ?
Case-by-Case/Exception Hold Notice
How do we authenticate our clients?
Debit Card with Pin Number
Session funds is a way to track the amount of funds available and used with each transaction once the first transaction has been completed.
How many Plays are in our PlayBook and what are they?
Play 1: Set Your Day Up For Success
Play 2: Make Every Moment Matter
Play 3: We Can Help Every Client
Play 4: Protect Our Teammates, Clients & Key
Play 5: Coaching To Invest In Each Teammate
How late can a client deposit a check via mobile app for same business day?
11pm ET
Provide 3 examples of "Check Fraud Red Flags"
• checks with different inks or fonts and letter size; checks with spelling or capitalization errors
• checks with unusual paper or check stock
• checks that are not encoded, are temporary or missing information, such as maker name and address
• checks with missing, faded, or faint bank logos
• checks that are smudged, faded or water stained
• checks with missing security features such as watermarks or padlock icons
• checks printed with an abbreviated bank name
• checks with raised or glossy MICR encoding
• checks with microprinting or shading that does not appear or appears incorrectly, indicating that the check may be a photocopy
• checks with missing check numbers, bank districts, and routing symbols in upper right corner
• checks that have an illegible or pixelated signature
• checks that are smooth on all sides indicating it might have been printed on a computer.
What is a MIL?
Monetary Instrument Log
Cash purchases of bank checks, drafts and money orders in amounts from $3,000 to $10,000
What 3 questions we ask ourselves when we play with confidence? 3Rs
Right thing to do
Risk
Relationship