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   More...

There is currently no mechanism to simply transfer account data from one membership to another. This would cause issues with credit reporting and would require a lot of cleanup work in eOscar as well. The better method is to close the account and reopen a new one. Note: Previous credit reporting history will remain under the closed account. Transaction history cannot be transferred to the new account but will be available on the closed account for the normal retention period (usually 18 months)  More...

When the pay to name or country fraud block scan is run, the employee is presented a window alerting them if “no match was found” or if “a suspected match was found.” If a suspected match is found, is it recommended that the employee follow credit union policies and procedures. From the “Suspected match was found” window, the employee has the following options: to view the block list for comments, to back up, or to override the warning. (In order to remove t  More...

Tips for Recognizing a Fraudulent Check What is a Fractional? A fractional is used to determine the financial institution of the share draft if the MICR line is ever damaged or torn off: 2 digit city and state prefix pre-assigned by “Accuity” (in the example, the prefix is 25 – see red below) Digits 5-8 of the routing number and transit number indicating the institution identifier (in the example, this is 5678 – see blue below.) First 4 digits of the routing and transit n  More...

The Pay To fraud block list allows for these words to be entered in an entry, but in order to flag a match, it must include the same spelling as the Pay To name. For this reason, it is recommended you enter the Pay To name without these words first to see if you receive a match on the fraud list. (Fraud list entries including the full Pay To name entered along with the common word will still flag a match.) Then, if a match is not found but these words are required on the check or disbursement Pa  More...

Launch Tool #892 Update Fraud Alert/Blocked Persons List (or Tool #1892 ) and then use Search Mbr/All Lists and search for the SSN/TIN or name to view all service denial fraud block lists to which a person or organization has been added. This inquiry does not list the entries made on the transaction attribute block lists, however. A separate search within the transaction attribute fraud block lists will be needed to ensure that the member’s name has not been added to that list.

Access all the fraud block lists by selecting Tool #892 Update Fraud Alert/Blocked Persons List . This will take you to the entry dashboard where you can see all of the denial lists.

To configure abnormal activity monitoring patterns or groups via Tool #101 Abnormal Activity Monitoring Config , you will first need to determine your credit union's thresholds for normal and abnormal activity. You may start from scratch or base patterns on previous cases of fraud. Basing Patterns on Past Fraud You can reverse engineer patterns based on fraud you’ve experienced in the past. Configure the pattern to monitor the same type of transaction and base the threshold numbers aro  More...

Enter the name in various formats in the block list to ensure a match to the Pay To name provided is not overlooked. The block list database entry can contain excess characters as long as it includes all characters in the same order as entered for the Pay To name. For companies whose Pay To name includes common words such as Incorporated or Company, it would be beneficial to create separate entries using different spellings of the common word (e.g., incorporated and inc., or company and co.). Th  More...

In order to take a loss on an overdrawn base share (000) account (closing the entire membership), do the following: First, using Tool #492 Member Account Adjustment (Full) , make an adjustment to zero out the balance for the amount of the loss and assign it to the general ledger account associated with this type of loss, per your credit union policies and procedures. Then close the membership using Tool #22 Close Memberships/Accounts . Per your credit union policies and procedures, you may   More...

When making an entry on the new membership fraud block list, you have the option of adding an SSN/TIN and name, just an SSN or to enter a name without an SSN/TIN. You can enter a name without a match to the existing membership database. All other denial-of-service block lists require an SSN/TIN that is in the MASTER/membership file.

To remove someone from any fraud block list, follow the directions in the Show Me the Steps topic linked below under Related Links.

An exact match to the block list entry is needed to flag an item. For example, if you enter “Freeland” in the field, an entry of “North Freeland” would not be a match. When making an entry on the country block list, it is recommended to enter the name in various formats to supply a match to the attribute provided. (NOTE: The block list is different than the matching of the country name with an OFAC scan.)

The differences ultimately come down to control and cost. The online ASP system is the fastest, simplest, most inexpensive way to get started with an e-documents strategy for your credit union. With online ASP you offload the back-end service management headaches to CU*Answers. We manage, backup, secure, and patch/upgrade the eDOC servers and databases and these processes fall under our SAS 70 and third party security audits. The online ASP system consists of electronic storage of receipts, loan  More...

Xpress Teller introduces a new, separate teller processing platform to CU*BASE, designed to streamline and simplify the teller experience, offering an alternative that was built with today’s changing credit union lobbies in mind. Xpress Teller includes these exciting new features: Improved Search in Xpress Teller The first screen has a powerful and easy-to-use new search engine that gives tellers a single input field to enter any data about the member and look for that data across dozens  More...

First add your member to the online/mobile fraud block list. Fraud Block lists are accessed via Tool #892 Update Fraud Block Lists/Blocked Persons List. Select the Online/Mobile fraud block list and add your member to the list. (You may wish to note that reason for this block using the Comments field.) Important note: This blocks the member's SSN/TIN from having online banking access. Since your member has already logged in to their account, next block further access to the account. Unch  More...

The following services and transactions can be denied with a denial of service block list or transaction attribute block list. All lists are accessed from Tool #892 Update Fraud Alert/Blocked Persons List . Denial of Service Block Lists Bill Pay enrollment (all vendors) P2P (Person to Person) enrollment (all vendors) Outgoing wire transfers (performing a wire transfer) Incoming wire transfers (performing a wire transfer) Online/mobile banking (enrollment) Lending (creating a loan application   More...

A denial of service block is a single service block that blocks a person or organization from enrolling in a service (such as bill pay) or performing a service (such as an outgoing wire transfer). A transaction attribute fraud block list allows the credit union to enter a data element that is used to determine if an activity should be blocked for any member (such as the “pay to name” when disbursing funds or the country when performing an outgoing wire). All fraud block lists are ac  More...

A card status indicates whether or not a card can be used. If the card cannot be used, the card status gives the reason, such as suspected fraud, lost, or stolen, or sometimes even that the member has not made payments. The status indicates whether this condition is permanent or temporary. To update a card status, use Tool #12 Update/Order Online Credit Cards . Then select the card select to change the card status. Update the status from the screen shown in the Related Links below.

To exclude persons or organizations on the lending fraud block list from receiving your 1Click Offers, exclude the members on the Block New Loans (BLOCKLNAPP) table/file when creating the list of accounts that will be included in the offer.

The Fraud Block List Inquiry ( Tool #1892 View Fraud Alert/Blocked Persons List > Search Mbr/All Lists ) lists only denial-of-service block list entries. It does not list transaction attribute block list entries. A separate review of transaction attribute block lists will be needed.

All bill pay vendors and P2P vendors are supported. All fraud block lists are accessed from Tool #892 Update Fraud Alert/Blocked Persons List .

The dormancy tool does not do this, although it is possible to create automated transfer (AFT) records to move funds from member accounts according to whatever policies and procedures your credit union wants to use. Keep in mind that our dormany and escheat monitoring system works at the entire membership level, not individual accounts (in other words, it's about membership dormancy, not account inactivity). Likewise, when the system uses your escheat settings to flag an account as escheat  More...

Because both the New Membership, Pay to Name and Country fraud block lists can result in a suspected match, they allow the credit union employee to manually override the block. Employees will either be presented the Suspected Match screen for either the Blocked Person Scan (used for memberships) or the Transaction Attribute Scan (used for Country and Pay to Name). On either screen, the employee must manually use Override/Create to override the suspected match. This action is written to the CU  More...

CNS is a trusted partner of our credit unions and often we are the first call when there’s a cyber event at an institution. However, there are important limitations to the cybersecurity services that CNS provides. CNS provides general office network design, implementation, and management services. CNS will monitor and patch for supported patches . CNS does not provide cyber security services. CNS does not warrant that managed networks are immune to cyber events or breaches or that lost dat  More...