BofA

Card Set Information

Author:
Anonymous
ID:
225
Filename:
BofA
Updated:
2009-10-13 00:33:44
Tags:
pro
Folders:

Description:
BCCR Interview Q&As
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  1. ATM/Debit Card Claim
    • Provide appropriate CS# for future claims
    • Dial #, ask for ECS
    • Introduce self, give phone to cust
    • CUST MUST TALK TO ECS - WE CANNOT FILE ON CUST's BEHALF
    • Inform cust they will receive f/up w/in 10 bus days
    • Under $20 handled in banking ctr
  2. Americans w/Disabilities
    • SHOW IN PRO
    • B/C Online, Pro, Model Bank, Compliance, ADA
    • Back Pain Makes Children Angry
  3. Authenticate customers by phone
    • NO SS#!!
    • Dep Acct Info:
    • Review any sys mssgs in Merlin
    • Date/Amt of last dep, OR ATM#
    • Personal Info:
    • Addy/DOB
    • Secret Password, OR mother's maiden
  4. When to provide verbal/written disclosures for CC pre-approval
    • Prior to asking for sale
    • Cust to confirm they accept & sign QST/paper
    • DO NOT chose "accept" prior to signature
  5. Transaction Hold
    • Provide copy @ time of dep or on same bus day
    • For mail, quick drop, night drop, ATM: follow endorsement standard
    • Explain funds "AVAILABILITY" to cust
  6. Purchase of single/multi neg instument $3,000-$10,000
    • Must be documented (Domestic/Foreign)
    • ID all purchasers on CTR/MIS online reporting form
    • Use paper sales form when online not avail
    • All info must be inputted on day of purch
  7. Safe Deposit Box
    • Doc date/time/assoc's initials
    • Cust sign record
    • Cust ID
    • Lock box in open pos, return cust key
    • Stay w/cust, look away
    • Check privacy area
    • Ensure box is locked afterward
    • Always be sure Assoc/Cust present
  8. When to use Customer Authentication Form
    • Issuing temp ATM Card to existing OOS cust
    • Changing Pin on OOS Card
    • Adding photo to existing OOS CC/ATM Card
    • New accot for exisiting OOS Cust
  9. Investment Referral
    Refer to NON-Teller Assoc
  10. Foreign Currency Check - No Hold
    • NO HOLD recommendation is rec'd
    • Currency matches country of Drawee Bank
  11. All clear signal removed
    • AFTER opening to public
    • PRIOR to close - so not preset for next day
  12. ALL CLEAR signal not set
    • ONLY
    • Call Security Control CTR
    • (800-222-7511 - Programmed into my cel phone)
    • 911
  13. Evacuation Sites
    • 1st - Italian Restaurant
    • 2nd - Realty Execs
  14. Identify Structured Transaction
    • Breaking down of a single sum exceeding $10,000 into smaller sums
    • ($9,000/day to stay below CTR OR asked to change to below $10,000)
  15. When a Structured Trans is ID'd
    • Discuss w/MGR, ASST MGR, TOS
    • AND/OR
    • Complete TRM
  16. Ramifications of AML non compliance
    • Prison up to 20 yrs
    • Fines up to $500,000
    • Termination of employment
  17. Transaction over $10,000 in currency
    • If CTR is required, will display after F11
    • MUST be completed at time of trans
    • Deferred CTR needs Supervisor override
    • Compete overriden CTR same day thru B/C Online, Service & Ops, Compliance & Corp Security CTR/MIS
  18. When to notify individual tans has been reported as suspicious?
    NEVER
  19. What steps to follow if IDa structured pattern?
    • Discuss with MGR/ASST MGR/TOS
    • OR
    • Complete TRM (must know where to find TRM)
  20. Procedures for sending International for both Clean & Doc collection?
    • International Clean Collections (checks, travelers cheques, mo,draft)- Collections Dept
    • International Doc Collections alt payment methods for letters of credit, open acct financing, advance pmt terms)- Trade Ops via FedEx
  21. Over-The-Counter-Transaction Authority Limits
    • Check cashing, less cash = $1,000
    • Override deposit hold & do not cash, wire, OD = $0
    • Deposit = $25,000
  22. Procedure to escalate an info/privacy breach
    • B/C online, Pro, Model Bank, Privacy/Info Protection, Privacy & Info Security Incident Report
    • Must get to and walk thru process
  23. Cust purchases a cc for $8,000 in currency in am, then $6,000 in currency later.
    • Complete MIS & CTR
    • MIS in a.m.
    • CTR in p.m. showing BOTH cc's
  24. If cust claims to be exempt from CTR
    Process CTR as required & system will say CUSTOMER IS EXEMPT FROM REPORTING if they are en exempt customer
  25. When BAI rep requests a cc on behalf of a client who is NOT present
    • DO NOT PROCESS
    • Client must be present and receive cc
    • Refer rep to their Mgr
  26. Current ALL CLEAR signal and what to do when not set
    • Signal is ________
    • Do not enter ctr
    • Call Security Control Ctr & Local Law Enforcement ONLY
  27. Changing mailing addy to an OFAC sanctioned country
    • SHOW IN PRO
    • B/C online, Pro, Model Bank
    • Account/Customer Maintenance
    • Merlin
    • Addy/Tele # Changes
    • Addy Change Procedures
    • Red Heading of NRA addy changes to foreign mailing addy
    • MUST BE ABLE TO TALK THROUGH TO ASSIST CUST
    • Office of Foreign Assets Control

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