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Loss Prevention
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Acronyms
Authentication
10

This department performs an account verification to determine if one or more of the reasons exist allowing availability of the deposit to be delayed.  

Who is Loss Avoidance?

877.659.8663 (Mon-Fri 9am-6pm)  Wait for a response before releasing any funds.  They will place a hold on transaction that warrant delayed availability and issue a NOTICE OF HOLD to the customer, if a hold is placed. 

10

Investing & Retirement (I&R)

10

This type of Branch only supports opening accounts (Business, DDA, and Savings), credit card applications, etc.

Cashless Branch

10

        

This acronym refers to when the Market Operations/Risk and Loss Prevention team in each market conducts the periodic on-site or virtual assessments for the Branch.




What is DAP?

Distribution Assessment Program - Is to ensure periodic inspection and oversight of the overall quality of risk management throughout the branch network. 

Branch assessments may include inspection of the following activities, procedures and controls: 

  • Regulatory requirements (funds availability, Anti-Money Laundering (AML)/Bank Secrecy Act(BSA), regulatory signage and disclosures)
  • New account opening requirements
  • Safeguarding customer information
  • Transactional boundaries
  • Branch security
  • Safe deposit and safekeeping
  • Branch records and record retention (such as ATM logs, night depository logs, medallion/notary records, Branch Operational Activities Manager (BOAM) and scan-to-folder)
10
These are the 6 negotiables for a check.

What is DDAMPE: Date, Drawee Bank, Amount, Maker, Payee,and Endorsement?

20

What is Regulatory Brochures?

20

Mortgage (New Mortgage/ 1st Time Home Buyer, Refinancing, HELOC, CHELOC)

20

Consumer and Small Business customers (both existing and new) with the ability to receive immediate availability for withdrawals and purchases on qualifying check deposits to PNC accounts made through PNC DepositEasy ATMs, Mobile Banking and tellers. This is an optional, fee-based service that may be offered at the time of deposit to customers.

What is Express Funds Availability?

20

This is what F.O.R.M.G. stands for.   

Family 

Occupation 

Recreation 

Money 

Goals 

20

Name at least 2 other things to review before cashing a check.  

What is review account for holds, stop payments, alerts, service requests, and shared notes?

30

The PNCI can assist with funding a child's education also known as.... 

What is 529 plan?

30

Banks use this to measure your ability to repay a debt.  Maintaining a good ____  ratio can help increase your borrowing potential. 



What is DTI?

40

What is Merchant Services?

40

When a referral opportunity exists for a customer with at least $50,000 between their Spend and Reserve accounts is to deepen the customer's relationship with PNC by providing exceptional service and growing balances and revenue. 

What is PCE or Private Client Experience?

50

This referral is made for our more affluent clients who have over $1,000,000 in investable assets (not necessarily with PNC).

What is Wealth Management?

50

In order for a referral to be qualified, the customer must have the following three characteristics: 

1.  at least a three- to five year ______ horizon for their money

2. customer must show _________ in investment products. 

3.  the customer must have investable assets or is committed to ongoing investment relationships. 

Also know as ........

What is TIM (Time, Interest, and Money)?