It's never a good idea for a bank employee (friend or not) to be an authorized signer on a customer's account unless the account relationship is totally independent of the bank employee's status. In other words, having a bank employee as a signer because he's a bank employee is a really dumb thing to allow.
It's also not smart to try to make an end-run around the transfer restrictions by using an in-bank "shill." Regulators will see through such a scheme quickly, and the bank will be criticized for permitting it.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8