When the license is entered incorrectly.
When the Social Security number is entered incorretly?
When the name is spelled wrong?
A & C only
State issued license
U.S. Military identification
International driver's license
State issued identification
A Randomized Social Security number.
The address on the application does not match the address on ChexSystems or the credit report
Starting a new job
Using a non-driver’s license for identification
They passed the ID check so I can proceed.
Ask them if they placed the alert and if they say yes proceed with opening the account.
Contact the Fraud Group to have them review the alert in case there is a phone number or other message we need to verify.
Open the account and notify the Fraud Group at a later date.
The social security numbers are no longer associated with a specific state.
We are unable to verify their identity.
Anyone can get a social security number whenever they want.
You will be denied for an account if you have a randomized social security number.
This may be a possible fraud address and I should review the Qualifile carefully.
I should deny the member immediately.
I should ignore this as long as they provide valid proof of address.
Both a & b.
Ask the member if they can verify how the checks were deposited.
Both a & c
Pull copies of the checks before I conduct any transactions.
Turn the member away and have them contact the Fraud Group.
Ignore this response because I cannot have the member wait for ChexSystems to come back up.
Make sure to run this person through Qualifile as soon as the system is back up.
Deny the member because their score is 9999.
Rerun everything until I get a proper response.
Have the member contact ChexSystems because they will have to tell you why you were denied.
Hand the applicant the adverse action form and tell them to make sure all credit bureaus are up to date and there are no outstanding Chexsystems records.
Have the applicant come in next week and try again.
Tell them they are denied because they have horrible credit.
Since the member seems to need help I will give the other person all the information and not question it. I am sure they are fine. It's none of my business what they do with their money.
It's not my business who calls as long as we get the correct identification I am covered.
Proceed as normal. If the elderly member said it's ok to give out information there is nothing to worry about.
Send an email to the Fraud Group informing them of the suspicious activity.
The applicant does not want any loans.
The applicant can be issued a savings only and no other services.
The applicant has to unfreeze their report with TransUnion. The applicant placed the block so that no credit can be pulled without their authorization and knowledge.
The person applying for an account is committing ID Theft.
An international driver's license
A credit card with a photo on it.
Both A and B
A second form of proof of address showing a residential address.
To review their car registration.
I do not need proof of where they live the P.O. Box is fine.
A passport that is valid from the United States
Contact the Fraud Group to review.
Try and pull the applicants name on Facebook and see who their friends are.
Deny them and tell them they cannot have an account.
Do not double check, the response is probably wrong.
Pull a copy of the deposit and verify the validity of the check.
Ask them if a check would be ok.
Review the FBI fraud poster and review the list of questions.
Do all three.
Our member makes four cash deposits over $10,000.00 in one day and then withdrawals all of it in a check
The member makes a cash deposit of $4000.00 in the morning, comes back later that day and withdrawals check for a car loan.
The member deposits $5000.00 in cash into their personal account, deposits $1000.00 into the business account and then wants a check from the personal account
I complete the log for b & c only.
Mind my own business because the credit union probably has reports to find this type of activity.
This is suspicious. I should notify the Fraud Group.
Tell this member that what he is doing is suspicious and if he doesn't watch out he will get reported to the government.
Try not to wait on this person when he comes in so I do not have to do anything.
An expired license with a current bank statement as proof of address.
A library card and a voter's regstration.
A birth certificate.
A letter from the church pastor stating they are who they say they are.
Contact the Fraud Group because they have to review the message on the credit report.
Continue with the application. I have the proper identification so everything is ok.
Deny the application.