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OCC OFAC Official Checks Online Banking Operations Outsourcing Overdraft Charges Overdraft Protection Overtime denotes Guru Question & Answer. OCC Equal Housing Lender Logo Puzzled by the OCC's Handy Chart OCC Consumer Assistance OCC Speaks Out on Consumer Complaints There Must Be a Software Solution OCC Issues Guidance on Predatory Lending OCC Required Information, Mortgage Loans Reg 9 trust account annual review? Unfair or Deceptive: Avoid Like the Plague Finding a List of Required Policies OCC Changes Address? OFAC Avoiding AML and OFAC Risks Evolution of OFAC Guidance Since 1996 Updated OFAC Penalties, Fines and BIS Watch List Non-Compliance Cashier's Checks - Run OFAC on Payee OFAC - Credit Limit Increase OFAC on Account Beneficiary OFAC Sanctions Programs: Self Education Pays Off Big Voluntary Disclosure of OFAC Compliance Violations Checking OFAC List When Wiring Funds Check Verification Service - Customer Disclosure We Might Have a Kiter - What Do We Do? OFAC - Mexican Corporate Account Opening Running OFAC on Loans Run Prospective Employees Against OFAC List Advanced Matching Software Can Help Reduce False Positives OFAC�s Multiple Watch Lists Credit Card Cash Advances & the OFAC List Using Risk Analysis for Efficient Compliance Programs Wire Transfers - OFAC Bank Name Check Branch Isn't Following OFAC Procedures OFAC on Payees that Bank is Paying OFAC Check on Seller of Property ACH Origination Agreements OFAC Check on Purchaser & Payee OFAC Check on Cashier's Check Payee OFAC Check on the Remitter CIP & OFAC Record Retention Guidelines OFAC Check on All Parties in a Wire Transfer? OFAC - Cashing Non-Customer Payroll Checks OFAC on Beneficiaries of an Employee Benefit Plan Cash an On Us Check for Person on the OFAC List? OFAC on the Beneficiary of a POD Account? OFAC - Checking Minors Against the SDN List OFAC - Non-customer Check Cashing BSA & OFAC - Loans Purchased From Another FI OFAC Verification on Cashier's Checks? Record Keeping of OFAC Screen Prints Checking "PUPID" Wires Against the OFAC List OFAC Sanctions & US Citizen Traveling in Iran OFAC on a Third Party Check? Service v. OFAC? OFAC SDN List Checking Insurance Clients Against the OFAC List OFAC Check on Attorney in Fact OFAC, IOLTAs & Non-Customer Beneficiary Tax ID# OFAC - Record Retention OFAC Checking of Loan Payments Enhanced Due Diligence on a 34 Act Company MSB? OFAC List - Scanning ACH Origination Files OFAC SDN Notification E-Mails OFAC Referrals? Action Audit CIP and Government Request Procedures Dealing with positive OFAC matches OFAC Hits OFAC Lists Wire Transfer Via On-Line Banking OFAC Requirements for Lenders Possible match on OFAC - What to Do? Retention of OFAC and 314a Records OFAC Update Guru Compilation: OFAC (PDF) Does your bank deserve more recognition? OFAC SDN List Check Cashiers CIP Requirements OFAC & mortgage broker loans Help Arrives - Just In Time: Section 326 Compliance, OFAC Check and Fraud Protection in One Pass Frequency of Running OFAC List Against Customers FinCEN Advisories and OFAC Sanctioned Countries Timing for Checking OFAC on Loans Checking Check Payees Against OFAC List Loan Applications & OFAC CIP and Security Deposit Accounts OFAC Verification on Cashier's Check Payee Blocked Parties, ACH, and OFAC Requirement to Look at FBI List New Accounts: Handling an OFAC Hit Safe Deposit Boxes & OFAC OFAC: The New Compliance Hot Seat OFAC and Cashing Checks for Non-Customers Safe Deposit Box Rental & OFAC Filing SARs for OFAC Hits Identification of Totten Trust Beneficiaries OFAC & PATRIOT Act Deadlines: What can wait? OFAC and the Control List OFAC & Tax Haven Countries Discovering past transaction from current OFAC list Checking Names Against The OFAC List For Each Transaction? ACH and OFAC Lessons from the OFAC Civil Penalties Handling A Hit On The Terrorist Watch List Differences Between the Control List and the OFAC List BSA/OFAC Lessons from Enforcement Actions Posers OFAC Updates A SAR For Every OFAC Hit? Checking The OFAC List, Official Checks, And Payees Check Fraud Protection and OFAC Compliance With One Solution Debiting Customer Account For OFAC Penalties Have the "Control Lists" been merged into the original OFAC lists? Loans & OFAC Hits Purchasing An OFAC Solution OFAC & Check Clearing Requirements BSA/ OFAC Lessons from Enforcement Actions Get Email Notification of OFAC Updates A Risk Management Approach to Certain OFAC Issues OFAC Civil Penalties -- A New Proposal BSA/ OFAC Lessons from Enforcement Actions Checking OFAC For Money Orders When the Borrower is on the OFAC List OFAC Exemption? OFAC Remodels OFAC: Blocking vs. Rejection of Funds OFAC & Joint Credit Cardholders Differences Between the Control List and the OFAC List Checking OFAC Each Time For Repeat Customers How can I be informed by email about OFAC List changes? Selecting the Right OFAC Solution OFAC Sanctions Matrix OFAC Software Question & Answer Keep OFAC Up To Date COMPLIANCE NOTES - OFAC's List OFAC - OFAC and Sudan Question & Answer Question & Answer COMPLIANCE NOTES - OFAC: What Your Examiner Expects Another OFAC Solution OFAC Advice Question & Answer OFAC Is For Real Question & Answer Ties That Bind Question & Answer OFAC Strikes Again! OFAC Changes EDITORIAL - Don't Be The "Example" IN THE NEWS - How Do I Check Account NamesAgainst The OFAC List? OFAC Policy Available OFAC�The Beginning Have You Complied with OFAC Lately? What Price OFAC? Just Who Is this Customer? Official Checks Stop Payment on an Official Check Stop Payments on Money Orders SPOTLIGHT ON�Return Items, Part II Escheat and Third Party Official Check Vendor What are Some Benefits of Automating Official Check Printing? Checks Drawn on a Correspondent Remitter as Purchaser Noncustomer Purchase of Official Check Dormant Fees on Official Checks Are official checks considered "certified"? Official Checks & Declaration of Loss Returning Funds For Unused Official Check Stop payment on official check Stop payment on bank expense checks? "Official checks" Are Official Checks and Cashier's Checks the Same? Can We Stop Payment On An Official Check? Cashier's Checks: Not the Same as Cash Requiring cashier's checks to be cashed within 6 months More on dead cashier's checks What is the difference between a cashier's check and an official check? Lost Cashier's Check: What's the financial institution's responsibility? Declaration Of Loss For Cashier's Checks Early Stop Payment On An Official Check Refunding Money From An OLD Unused Cashier's Check 30-day Records For Official Checks At what point does an official check become stale? Stolen Official Checks Question & Answer Question & Answer Question & Answer Phony Money Orders Certified Checks Losing Favor Money Orders Are Not Cashier's Checks Question & Answer Online Banking A Decrease in Check Fraud? E-Statements Not Being Viewed Is a Downloaded App Electronic Redelivery Of Returned E-Statements Define Clear and Conspicuous E-statement Verification Website Banner Advertising - One Click Rule Reg DD - Internet Ad Vishing and Smishing Website Speed Bumps Converting to Self Enrollment Online Banking Online Banking Password Reset Internet Accounts - Branchless Bank Buck Slips "Click here" link... Online Accounts & CIP EBT Card Surcharging Mitigating Fraud in Online Banking Internet Banking Guidelines Linking from a Third Party Site E-Statements Rethinking Banking Strategy Putting a Face with a Name Pre-funding Wire Transfers - OFAC Bank Name Check Website Compliance Issues Is Online Banking Really Worthwhile? TIN, Please U.S .Treasury Checks - Personal Endorsements ACH Loan Payment Return Check 21 Disclosures More than One Executor for an Estate Account? Assessing the Risk of Electronic Delivery Channels Inter-Company Transfers Using Web Banking Retention of Original Online Application Business Customer & Internet Banking Online Banking...Still Worthwhile? State the Rate, Too? Multi-factor Authentication Notification Internet Disclosures & Notifications Making Online Banking More Effective with Web 2.0. MMA - Transfers Between Accounts E-Statement Compliance Opting Out of Multi-factor Authentication Online Loan Inquiry Online Stop Pay - Signature Required? Eliminating Risk From Electronic Banking Channels Opt-out of Multi-factor Authentication Is there an Identifiable Geographic Risk Factor in Online Fraud? Is Online Banking Still Worth the Effort? Considering your current controls when assessing the risk of your electronic delivery channels Wire Requests Via E-mail New Internet Gambling Bill Opening Online Account with E-signatures Reg E - Statement Enclosures Placing Speed Bumps on Our E-newsletter Online Application Disclosures Reg E Guidelines & Online Bill Pay Signed Form for Online Banking Required E-statement Verification Transactional Kiosks "Fit the Bill" for Walk-in Customers Do I have to perform a Risk Assessment on all of my electronic delivery channels? What is the Difference Between Pharming & Phishing? Website Account Disclosures E-statement Disclosures Leaving Secured Website - Customer Notification New Customer ID Verification Procedures PC Banking & Unlimited Permissible Transfers Required Website Disclosures Customer Notification for Phone & Online Payments Common Website Violations Web Collaboration's Influence on Sales How to Enchance Business Processes with Web Collaborationx Aligning Online Training with Business Needs Know Thy Firewall Posting Transactions Online in Lieu of Statements? One-time Use Numbers Protect Against Fraud Which Rules Govern Returned e-Checks? Disclosing Deleted Online Credit Card Transaction Keeping Online Banking Safe: Why Banks Need Geolocation and Other New Techniques Right Now Online Bill Paying Rises - Good for the Environment Bill Payment Fee Disclosure Online Bill Payment At All-Time High Banks Offer Easier Merchant Payment Method Signing Online Change of Address Request Sending eNews Letter to Online Customers Using SSN for Online Access Top Trends Impacting Bank Technology for 2005 Controlling ACH Policies for Online Banking Wire Transfer Via On-Line Banking IS eBill Payment by Check Covered by Reg. E? E-Mail Warning to Customers Web Site For Student Loans Online Bill Payment At All-Time High Advice From FBI: Watch Your Laptop eBanking Disclosures in hard copy? Differences Between Bill Pay and Online Checks Data Needed to Verify New Internet Banking Users Authorized Signers Using Internet Banking Security is Top Level Consumer Concern Seniors Increasingly Using Online Banking Modernization In A Small Community Internet Account Compromised, Who Eats the Loss? E-Sign & Demonstrable Consents E-Statements to Minors Information Security: Authentication In An Online Environment Cost of Paper vs. E-statements De-activating a Customer's Internet Access e-Delivery E-Stop Payment Requests Reg E Disclosure on Bank's Web Site Analyzing Effectiveness of e-Banking Web Site Accessibility and the ADA Giving Automation to CIB Marine Maximize Capacity with Internet Banking and Call Center Staff Online Banking Transfer Limits Modifying Policies to Fit Online Banking Online Transfers Under Reg D "No-Frills" Account Seniors Increasingly Using Online Banking Online Loan Applications, Disclosures, and CIP Online Banking: Is a paper statement required? Displaying Loan Rates & Web Site Compliance Contest For Online Customers Only Online Activities & CIP Boosting Consumer Adoption of Online Transactions Are we required to monitor Internet Bill Payment transactions for CTR reporting? Online Reg E Disclosures Electronic Savings Account Regulations ATM Network Logo Posting Requirements Online Disclosures For Special Rates Boosting Online Banking Reg E: Online Bill Payment & Overdraft Responsibility Online Services Survey Show Mixed Results Longevity Of Online Statements & Commercial Customers Minors, Online Account Opening, and COPPA Internet Banking Controls For IT Sample Online Banking Policy Internet Banking, Vendors, and Privacy Offering A Guarantee For Online Banking Services Making Customers Comfortable with Online Services Deploy Training Tips for Online Customers How Much Competition? Encouraging Customers Peer-to-Peer Computing Internet Banking Protection Package The Gray Area within Online Financial Services, Part 2 Is web site information subject to subpoena? Responsibility for Unauthorized Transactions Web Server Downtime Liability Online Commercial Access Concerns "Member FDIC" Posting Requirements on the Web eBanking education Stop Payments on Checks Issued by Bill Payment Systems Marketing Ideas For Online Banking Core Processing: The Heart of a Bank The Gray Area within Online Financial Services, Part 1 eBanking Planning & Implementation Online Banking Demographics Promoting Online Banking The Skinny on Small Businesses Banking Online How Do Customers Use Online Banking? A Guide to Implementing Internet Banking Growth in Internet Usage and its Impact on Online Banking Monitoring an Online Banking Web Site Choosing an Online Banking Vendor Log That Email! Measuring Internet Banking's Impact on the Bottom Line Photo Security Cards Carefully Calculated Risk One System Does All Targeting the Asian Community Teaching Financial Smarts Boosting the Feminine Business Community Congratulations Twice Disaster Relief for Tornado Victims Awards for Web Sites Up In The Sky! It's A Plane! WHAT DO OTHER BANKERS DO? - Inner City Banking WHAT DO OTHER BANKERS DO? - The Gift of Music WHAT DO OTHER BANKERS DO? Bank Helps Battle Cancer WHAT DO OTHER BANKERS DO? - More Ways to Use the Web WHAT DO OTHER BANKERS DO? Encouraging Entrepreneurial Spirit WHAT DO OTHER BANKERS DO? Faster Approvals WHAT DO OTHER BANKERS DO? Mall Replacement WHAT DO OTHER BANKERS DO? - A New Employee Benefit: Online Bookstore WHAT DO OTHER BANKERS DO? - An ATM/PC? WHAT DO OTHER BANKERS DO? - Bankers Help Build a House WHAT DO OTHER BANKERS DO? - Bulk Order Supplies WHAT DO OTHER BANKERS DO? - California Girls Get A Better Chance WHAT DO OTHER BANKERS DO? - CD Rates by Auction WHAT DO OTHER BANKERS DO? - Donating Employee Hours WHAT DO OTHER BANKERS DO? - For Women Only WHAT DO OTHER BANKERS DO? - Hawaii Bank Gives Boost WHAT DO OTHER BANKERS DO? - Home Banking for the Equipment Deficient WHAT DO OTHER BANKERS DO? - Innovative Marketing WHAT DO OTHER BANKERS DO? - Mountain Comes To Muhammad WHAT DO OTHER BANKERS DO? - New Job, New House, New Town, Old Bank WHAT DO OTHER BANKERS DO? - Philanthropic Efforts: Helping Out In Disaster WHAT DO OTHER BANKERS DO? - Positive Pay Stops Fraud WHAT DO OTHER BANKERS DO? - Rewarding Entrepreneurs WHAT DO OTHER BANKERS DO? - Seven Days A Week WHAT DO OTHER BANKERS DO? - Small Bank - Big Results WHAT DO OTHER BANKERS DO? - Teaming Up with Retirees WHAT DO OTHER BANKERS DO? - They're Number One WHAT DO OTHER BANKERS DO? - Toll Booth Efficiency - E-ZPass WHAT DO OTHER BANKERS DO? - Virtual Offices for Customers WHAT DO OTHER BANKERS DO? - Bank Starts Memorial Fund WHAT DO OTHER BANKERS DO? - Buffalo Bank "Adopts" Elementary School & More Than Money WHAT DO OTHER BANKERS DO? - Car Buying Help WHAT DO OTHER BANKERS DO? - Doing Good Deeds WHAT DO OTHER BANKERS DO? - Fighting School Violence WHAT DO OTHER BANKERS DO? - Making College Banking Convenient WHAT DO OTHER BANKERS DO? - Money Back Guarantee WHAT DO OTHER BANKERS DO? - More Than Deposits And Withdrawals WHAT DO OTHER BANKERS DO? - NationsBank Honored WHAT DO OTHER BANKERS DO? - Nationsbank On Top With Small Business WHAT DO OTHER BANKERS DO? - What's In A Name? WHAT DO OTHER BANKERS DO? - Yea, Team ! WHAT DO OTHER BANKERS DO? - Business/Personal Safety Program For Granbury What Do Other Bankers Do? - Five Minutes Or Five Dollars WHAT DO OTHER BANKERS DO? - Bankers Give A Helping Hand WHAT DO OTHER BANKERS DO? - Small Steps Branches Tough To Reach How Big Is Too Big? WHAT DO OTHER BANKERS DO? - Bargain PC Hookup WHAT DO OTHER BANKERS DO? - Reading, Writing, and Taking Deposits WHAT DO OTHER BANKERS DO? - Wherever They Go WHAT DO OTHER BANKERS DO? Frequent Banker Award System WHAT DO OTHER BANKERS DO? - Helping Hands Mutual Funds Growing Play Ball! Retired Bankers Make A Difference Small Charge WHAT DO OTHER BANKERS DO? WHAT DO OTHER BANKERS DO? - Banker's Choice-Uses Outside Broker/Dealer WHAT DO OTHER BANKERS DO? - Bankers Cope With Flooding In The Midwest WHAT DO OTHER BANKERS DO? - CAS Formed Own Broker/Dealer Unit Full Service Banking On Sunday? IRS Levy May I Make A Suggestion? Rent-A-Room� Operations Signers on Estate Accounts Facsimile Signatures Individual HSA Account - Spousal Debit Card Risk Management with Small and Mid-Size Businesses Right Answers, Wrong Voice Issuing CDs - W9 Certification Community Banks and the Banking Crisis Purpose of Wire Transfer Required? IRS Tax Levy - Funds Less than Amount Levied Replacement of Stale Dated Money Order Protecting Your Elderly Customers from Financial Abuse Using Risk Management Practices to Improve Small Business Liquidity The Great Debate: Credit or Public Records Data Introducing the New $5 Bill Inactive & Dormant Accounts - One in the Same? Reg DD - Internet Ad EIN & SSN - Same Number? Please Define "Per Stirpes" Bank Statement Returned Mail Compliance Multiple Cards, One PIN? Avoiding AML and OFAC Risks Crediting the Aggregate Adjustment Reg CC Holds & Fraudulent Accounts POA Check Deposit Procedures Using CML LOC as Overdraft Protection Signer Added for Check Writing Purposes Only SAR Required on One Time Deposit or Withdrawal? Personal Property of the Tellers Rule Restricting Debit Card Gambling Transactions Foreign ATMs - 1099 Reporting Tiered System Overdraft Fee Disclosures Is Private Banking Risky? Texas NSF Fees Beneficiaries Disclaiming Account Ownership Change in Environment Changes Security Strategy IOLTA - Who Handles the Earned Interest? Shoveling Snow - A Bank Employees Job? Signature Required on Phone Stop Pays? Business Endorsement Stamp - Required Verbiage Levy the CDs? CD Titled in a Trust - Early Withdrawal Penalty Eliminating Money Orders Out of State Branchless Banking Can an Individual Be Considered an MSB? When should the Bank file a Currency Transaction Report (CTR)? Returning Paid Loan Documents to 401(k) Borrower Safe Deposit Box - Removing One of the Owners Gifts to Employees Paying Preferential Interest Rates Evolution of OFAC Guidance Since 1996 Safe Deposit Boxes & Trust One Owner Garnished - Garnish Joint Account? IRS Reporting - Customer Referral Cash Bonuses Protection from Estate Scams CTR - 2 $9000 Checks Cashed at Different Branches Aggregate the Transactions & File a CTR? Minor Withdrawals Interest Paid on Insider Deposits Member Demanding Original Paper Checks Decedent Funds Late Return or Not? Paying Expenses from Decedents Account Merchant Capture Device - Reg D Transaction Limits Reg CC - Saturday Deposit of US Treasury Check Messy Divorces & Business Accounts Foreign Exchange Student Account - Acceptable ID Subpoena - Joint Account Holder Notification Safe Deposit Box Entry Via DPOA Counterfeit Bill Procedures Servicing Drive Up ATMs Is Your Bank EEO Compliant? IRA Changes CD Secured Loan - All Owners Sign the Assignment Inactive Account Fee A Business Cashing Customer's Checks LLC Account Opening Unauthorized ACH - 24 Hour Rule Security Committee Reg E - Re-debit the Customer's Account? Checking Accounts - Businesses as Signers Custodial Check POD Designation & Probate Paying Interest on Business Account Missing Endorsements Internal Transfers - Reg D Limitations Opening New Accounts Via Mail POA Powers & Safe Deposit Boxes Money Room Operational Controls FDIC Insurance on POD Accounts Check Privacy Issue Issuing a Custodian a Debit Card Cashing On-us Checks for Non-customers Nonresident Account Opening Discontinuing a Savings Product - Customer Notice Uncashed Check from a Closed Business Cashing Deceased Spouse's Checks Time Frame for Checking Statements Due Diligence on a Spouse Durable POA Removing Joint Owner From Account In Need of Funds Availability Clarification Who Takes the Loss? IRS Tax Levy on an IRA? Minor Check Cashing Authorized Signer's Rights About the Bank Secrecy Act Enforcement Policy Due Diligence on a Spouse CTR Exemption List - Informing Customers Check Imaging Recognizing a "Pour Over" Will POA Powers Stop Pay Situation IOLTA Account Fees Dormant/Inactive Accounts - Online Transfers Suspicious Activity Tips Remote Deposit Capture � System Name or Tag Line Remote Deposit Capture � Pricing and Sales Strategies Poor Box Drilling Procedures Create Rich Box Renter Identity Theft I'm Alone at my Branch -- Is This Typical? Deposit Insurance Coverage After Bank Merger Using Payroll Accounts to Avoid Summons Non-customer SSNs on Check Identity Theft Red Flags CIP - College Student Physical Addresses Counting Vault Cash Reg E - Pending Item POA Documentation Mistakes in the Conversion Process Dormant IRA Savings Accounts Disclosing Same Day Availability Original Issue Discounts LLC with a POD? Missing Indorsement - Check Return Refusing Checks Due to Restrictive Endorsement Seven Day Time Limit Acceptable Endorsement S Corp Interest Bearing Account Using Risk Analysis for Efficient Compliance Programs Setting Scoring Thresholds Based on Risk for Automated Customer Identification Program (CIP) Screening Software Tools Managing Identity Risk Third Party Privacy Hold The Benefits of Health Savings Accounting Non-client Savings Bond Redemption Fee Check Payable to Two People with No "And" or "Or" Return of a Counterfeit Check CTR - Original Transaction or Combined Transaction Timeframe for ACH Transaction Dispute ATMs & New FDIC Signage Furnishing Security Info Upon Debit Card Issuance Correcting an Unnecessarily Filed CTR Corporate Customer/Timeline to Dispute Unauthorized ACH Foreign Bank with US Branches In Person Debit Transaction - Transfer Limitations Endorsement Required on Check Made to Cash? Logo Size Requirement Deadline for Returning a School Warrant Displaying FDIC Signage Before the Compliance Date What does TOD Mean? Check Deposited into POAs Account Two Separate LLCs, Same Owner & Same EIN UTMA Custodian Minimizing ATM Settlement Risk Putting a Face with a Name Pre-funding Close the Account or Continue Filing SARs? Extenuating Circumstances Account Closing - Compliance Issues Medallion Stamp Queries How do I know what systems to focus on after a disaster? Obligated to Inform Other Bank of Check Kiting? What is a Conduit IRA? Business Customer Exemption Business Customer Exemption Should I update my Business Continuity Plan? Marketing to the Unbanked Population Are Business Continuity Plans the same as Disaster Recovery Plans? Debit Card Cancellation - Notification Required? Adult Son on Safe Deposit Box Signature Card Transfers at Another Bank's ATM Bar Safe Deposit Box Access? CIP on Safe Deposit Box Signer ACH Origination Agreements W-8 Certificate Filing Frequency "Reasonable Effort?" SAR = Something Ain't Right Transfers Subject to Reg D Transfer Limitation Returned Statement Record Retention Partnership Account with a POD Honoring Checks Written by a Minor Filling Out a CTR - Customer Query BSA Exemption List Removal