You can add an entry to the new membership fraud block list as an individual or organization. This fraud block list is different than other service denial lists in that it allows you to enter a name on the list without a Social Security Number. See more about the rules for adding a name to the new membership list in the other topic linked to this Answer Book item. This fraud block list is designed as a supplement to the “Deny Membership” check box available on the non-member recor  More...

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...

If an employee attempts to order an ATM, debit or credit card for a membership with a SSN/TIN that appears on the plastic orders denial of service block list, an employee cannot order the card. If the employee tries to order a card (via ATM/Debit Card Maintenance ( Tool #11 ) or Update/Order Online Credit Cards ( Tool #12 ), during the membership open process), or when creating a credit card loan, or when adding an OTB credit cards (via Member Inquiry, then OTB/Cards), they will see messaging t  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...

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...

If a person or organization is added to the online/mobile denial of service block list, an employee cannot enroll any membership with this SSN/TIN into online banking via the Member Personal Banker, during the membership open process (for example via Tool #3 ), or directly via the OLBPIN shortcut. When they try to check the Activate Online Banking checkbox on the “Audio/Online Banking” screen, they will see messaging that the “SSN/TIN appears on block list.” If a match  More...

If a person or organization is added to the bill pay denial of service block list, an employee cannot enroll any membership with this SSN/TIN into bill pay. If the employee tries to enroll the member in bill pay (via Member Personal Banker ( Tool #14 ) or during the membership open process), when the employee tries to check the “Enroll in bill pay” checkbox, they will see messaging that the “SSN/TIN appears on block list.” If a person or organization is added to the bill  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.

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...

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...

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...

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...

To remove someone from any fraud block list, use Tool #892 Update Fraud Alert/Block Persons List then Search Mbr/All Lists to view the comprehensive listing of fraud lists and find where that member appears. Then return to the original Maintain Fraud Block Lists screens, select the appropriate list and then Edit. Use the Search fields at the top of the screen for the name you want to remove and select Delete. A confirmation window will appear prior to deleting the record. NOTE: Be sure to de  More...

If a person or organization is added to the P2P denial of service block list, an employee cannot enroll any membership with this SSN/TIN into P2P. If the employee tries to enroll the member in P2P (via Member Personal Banker ( Tool #14 ) or during the membership open process), when the employee tries to check the “Enroll in P2P” checkbox, they will see messaging that the “SSN/TIN appears on block list.” If the member is already enrolled in P2P, you will first need to une  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...

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.

If a person or organization is added to the incoming wire denial of service block list, an employee cannot send an outgoing wire for any membership with that SSN/TIN. If the employee tries to send an incoming wire via Tool #73 Post Wire Transfer to Member Account , and select Incoming ,” they will see messaging that the “SSN/TIN appears on block list.” You may consider also adding the member to the outgoing wire fraud block list. If a match is found on a block list, follow you  More...

The rules for adding an entry to any of the denial of service fraud block lists (other than new membership), require the SSN/TIN to be in MASTER/Membership file. If you enter the SSN/TIN and enter, the name will populate and the message displays, SSN/TIN number found in Master file. Please verify name . Verify the name to confirm and Update . Or if you enter the name and enter, a warning message displays, Name exists in Membership file. Check SSN/TIN #. Verify the name and SSN/TIN to confirm an  More...

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 county attribute fraud block list is used when an employee makes an outgoing wire. If a match is found the employee will move to a window alerting them that a suspected match was found. It is recommended that the employee follow credit union policies and procedures. The member can back up, view the block fraud list for comments, or override the block. All fraud block lists are accessed from Tool #892 Update Fraud Alert/Blocked Persons List .

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...

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   More...

If a person or organization is added to the outgoing wire denial of service block list, an employee cannot send an outgoing wire for any membership with that SSN/TIN. If the employee tries to send an outgoing wire via Tool #73 Post Wire Transfer to Member Account , and select Outgoing ,” they will see messaging that the “SSN/TIN appears on block list.” You may consider also adding the member to the incoming wire fraud block list. If a match is found on a block list, follow you  More...