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this post was submitted on 26 Sep 2023
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“Just a letter difference” in an official ID is reason enough, I think, to those suspicions. It’s not the job of the bank to figure out whether an ID is valid, it is however, their job to report any suspicious transactions under AML laws and to prevent fraudsters with fake IDs from accessing their bona fide customers’ accounts.
Calling the police is an entirely appropriate response in this case. Aside from taking a while to show up, it’s also not clear the police did anything wrong with the customer.
We’re dealing with a sample size of one.
Maybe they do, maybe they don’t. We have a sample size of one and you’re now
I would have been severely reprimanded or even fired for calling the police on an error like this. All banks have an AML and KYC reporting guidelines and internal controls. None of them involve the branch employee calling police for document misspellings. It's not the standard action and should never have occured.
Aha, so would you have (a) tipped her off to the issue in potential contravention of AML regs? Or (b) continued to serve her, despite you not being sure she is who she says she is, in potential violation of KYC/privacy?
Well thats' ridiculous. In what world are those the only two options? Number one, two forms of ID are standard banking practices. Obviously if you don't feel comfortable accepting one you are taught to ask for another.
You are also given free discresion to deny processing transactions (so long as you submitted some kind of AML/ security report) to our compliance department. You dont discuss these with clients, you are taught to make up an excuse or be vague and deny the processing. Common practice for bad checks. These cases are always handled by a dedicated AML/ compliance office of the institution.
Unless you are actively being robbed branch employees are not suppose to be calling the police. This is standard across all large banks.
SOURCE: 15 years across a variety of banks in branch/trust/ and estate compliance.
Yeah. Not accepting the mismatched ID or processing the transaction seems reasonable. Unless the client was becoming belligerent and refusing to leave (and return with proper ID) then calling the cops is not
So someone gives you ID with bad info and you just keep accepting different ID until you get one thats ok from them, and don't escalate or file a unusual transaction report? Hope you don't still work for a FI
Use critical thinking. No you don't cycle down a list. You say "hey I think your passport might have an extra letter r in it, you have another credit card, medical card, etc. I can take a look at?"
If anyone with a brain really thinks it's a forged passport they would skip straight to the whole "denying the transaction" part and reporting it through the banks reporting system.
This whole thread is a mind fuck of really dumb opinions. The cops just should not have been called.
You would only ask for other ID if you didn't find a misspelled passport suspicious - which it is.