When you use the filter buttons on the File Maintenance Inquiry dashboard (Tool #159: Audit File Maintenance Inquiry (CUFMNT)), indicators note which programs, fields/columns, and files/tables AuditLink has flagged as “critical” for auditing teams to monitor on a daily basis. You can quickly sort by that indicator and select only those items for a quick scan of maintenance that directly affects member accounts.
Below is a listing of these critical items.
Columns/Fields
| Field |
Why AuditLink looks at this |
Appears in Table(s) |
ADDR1
ADDR2 |
Address change – Watch for multiple accounts being changed to the same address (possible employee fraud). Make sure accounts are not being changed to a P.O. Box with no physical address on file. A credit union must always have a physical address for reporting purposes. |
MASTER |
| DBLIMT |
Disbursement Limit – Watch for disbursements after the loan has already been disbursed. Possible employee fraud. |
MEMBERx
LNAP |
| DIVRTE |
Dividend rate change. Would be seen on CDs and IRAs. Looking for the rate being raised. |
SYSCTL
MEMBERx |
| DORMON |
Excluded from dormancy. Allows an account to never go into dormancy or remove a currently dormant account from dormancy. Possible employee fraud. |
MASTER |
| DQCNTR |
Delinquency control. Means that an account has been taken off of delinquency monitoring. |
SYSCTL
MEMBERx |
| EMAIL1 |
Email address changes. Are they being changed to something out of the norm? Looking for identity theft. |
PCMBRCFG
NMBTRL |
| INTRAT |
Interest rate changes |
MEMBERx
LNAP |
| JOSSN |
Joint Owner Social Security Number change |
SECNAMES |
| LNAME |
Last Name change |
MASTER |
| LNAPP |
Loan Application. Watch for loan app deletions. Reg B states that you must have proof of why you pulled a credit report and also that something has been done with the application 30 days after the application was taken. |
LNAP |
| MATDAT |
Maturity date. Check the loan file. This is usually seen on open-end loans. Make sure that a credit report has been pulled. |
MEMBERx
LNAP |
| NOMAIL |
This states that a member’s mail preference has changed. Either that they are no longer receiving statements or that they are now receiving statements. |
MASTER |
| NONOTC |
No delinquency notice printed |
MEMBERx |
| NXPAYDAT |
Next payment date. Look for an extension agreement. |
MEMBERx |
| PAYFRQ |
Payment frequency |
MEMBERx |
| PAYMNT |
Payment amount |
MEMBERx
PCHL (scheduled pmt changes)
LNAP |
| REVWDT |
Review Date. Check the loan file. This is usually seen on open-end loans. Make sure that a credit report has been pulled. |
MEMBERx |
| SSN |
Social Security Number change |
MASTER |
| TCD |
ACH distribution changes. Look for changes being made to a G/L. |
ACHDST |
| WRADD |
Wrong address |
MASTER |
Files/Tables
| Table |
Why AuditLink looks at this |
| CHKMS |
Direct update of the credit union check register. |
| MASTER |
Direct update of general membership data. |
| MASTRL |
Direct update of general membership data. |
| MEMBER1 |
Direct update of member savings/IRA account data. |
| MEMBER2 |
Direct update of member checking account data. |
| MEMBER3 |
Direct update of member certificate account data. |
| MEMBER4 |
Direct update of member escrow account data. |
| MEMBER5 |
Direct update of member loan account data. |
| MEMBER6 |
Direct update of member LOC/CC account data. |
Programs
| Program |
Why AuditLink looks at this |
| ABSRCHCL |
Tool #908 Update Overdraft Protection |
| IGLCUCL |
Tool #889 Update CU Check History |
| IGLCUCL |
Tool #899 Update IRS Tax Information |
| IINVSM |
Tool #920 Update Variable Investment Rates |
| PCTGS01CL |
Tool #12 Update/Order Online Credit Cards |
| PNDXSCCL |
Tool #886 Update Check Proc. Cross Reference File |
| U1042CL |
Tool #921 Update 1042-S Tax Form Data |
| U1099CL |
Tool #922 Update 1099-A, C and MISC Tax Form Data |
| UACCTEMCL |
Tool #890 Update Email Addresses |
| UARUTCCL |
Tool #883 Update ARU/Online Banking Transfer Ctrl |
| UATTRCL |
Tool #884 Update Auto Transfer Information |
| UCCRRTCL |
Tool #907 Update Online CC Rate/Charge Types |
| UCMASTCL |
Tool #888 Update Closed Membership Information |
| UCMEMBCL |
Tool #887 Update Closed Account Information |
| UDRMNT |
Tool #985 Work Dormant Members
Looking for “Deleted from Dormancy List." This allows an account to be removed from the suspended list. Possible employee fraud. |
| UHDTLCL |
Tool #885 Update Change Fund Summary |
| ULNINFCL |
Tool# 51 Miscellaneous Loan Maintenance |
| UMBRSL2CL |
Tool #20 Update Account Information |
| UMBRSL3CL |
Tool #15 Update Membership Information |
| UMBRSL4SCL |
Tool #918 Update Trans Desc & IRA/HSA Post Codes |
| UMTGSTMHCL |
Tool #904 Update Mortgage Statement History |
| UNSFCL |
Tool #906 Update NSF Stats / Reg DD Fees |
| UPINCL |
Tool #72 Update ARU/Online Banking Access (PIN) |
| USBOXCL |
Tool #912 Update Safe Deposit Box Information |
| USCMSCL |
Tool #903 Update Misc. Secured Funds Information |
| UUNCOLCL |
Tool #919 Update Uncollected Funds Information |