The restrictions and verifications imposed by the bank should represent the capabilities of the system and the risks involved. By that, I mean there is less to do for the person who will be capable of "view only" access vs. one who can transfer funds between accounts at the same bank vs. one who can transfer funds out of the account period.
The agreement and ID steps need to correspond to the capabilities.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell