A block list database entry including all of the characters entered as the Pay To name, in the same order, creates a match. The database entry must include the whole Pay To name string in the same order to display an alert, but it does not need to be an exact match. A match can still occur even if there are extra characters in the block list database entry not included in the Pay To entry. Extra characters may appear at the end of the Pay To name string or wherever there is a space. There is no case sensitivity when matching.

For example, if 'ABC E HI' is entered as the Pay To name, then the system will search the database for: 'ABC[anything here]E[anything here]HI[anything here]'. This would match database entry 'ABCDEFGHIJ' and ‘abc.efghijk’.

If a match is found, then an alert is displayed on the screen.

The “pay to name” on the fraud block list is run against the following attempts to disburse funds:
  • Outgoing wire (Tool #73 Post Wire Transfer to Member Account and select Outgoing).
  • Teller checks and money orders (Process Code Issue Check(s) Against Account (C) or Issue Money Order(s) Against Account (M))
  • Phone Operator checks - Check (C)
  • Loan disbursements (Tool #50 Disburse Member Loan Funds)
  • AP Quick Checks (Tool #1961 AP3: Process Accounts Payable Payments, then Create Check).  The messaging will appear when the vendor is selected.
  • Miscellaneous expense checks (Tool #667 Print Miscellaneous Checks)
The employee is then presented a window alerting them if “no match was found” or if “a suspected match was found.” 
If a suspected match is found, it is recommended that the employee follow credit union policies and procedures.  From the “Suspected match was found” window, the employee has the option to view the membership block list for comments, to back up, or to override the warning.

All fraud block lists are accessed from Tool #892 Update Fraud Alert/Blocked Persons List.