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SAFE Act
SAFE Act: MLO's Initial Written Communication
MLO's NMLS #s on App? CFPB Safe Act Guide
Should MLO Unique Identifier # Appear on All Docs?
Publicly Disclosing MLOs (SAFE Act)
Does the SAFE Act Require an Annual Audit?
Documents that Require MLO's Unique Identifier
SAFE Act: Required to Include NMLS License Number?
LLC Primary Residence Loan Covered by SAFE Act?
Format for Posting MLO's Unique Identifier
HELOC Loans Covered Under SAFE Act?
SAFE Requirements and Construction Loans
SAFE ACT-Mortgage Lenders Register for NMLSR
De Minimis Exception SAFE Act Requirements
Registration Renew Date for Officers w/ NMLS
Is Underwriter Considered MLO under the SAFE Act?
SAFE Act Procedures
Does a Lending Officer have to be Licensed?
SAFE Act Requirements
SAFE Act: Registration for State-Chartered Banks
Should 'Loan Assistants' be Registered?
Loan Officer Convicted of Felony
Fingerprinting for Personal Bankers
Safe Act - Vetting Loan Officers

Safe Deposit
Can the Department of Homeland Security or the FBI Seize Safe Deposit Box Contents Without a Court Order?
POA Access to Safe Deposit Box Requirement
Safe Deposit w/3 Joint Owners & 1 Authorized Sign?
Reg Require Lessee to Sign Safe Deposit Agreement?
Restrictions on Safe Deposit Title for Ownership
Include FDIC Logo on Ad for Safe Deposit Boxes?
Can A Corporate Business Rent A Safe Deposit Box?
Disclosure for Branch w/o Safe Deposit Boxes?
Outside Notary for Safe Deposit Box Nonpayment?
Safe Deposit Box-Bank Authority for Use of Box
Safe Deposit Box Owner Required to Certify SSN?
Changing
Safe Deposit Locks-Notification
Finally, Something New in the Safe Deposit Box Area
Safe Deposit Box and Missing Information
Limit on # of Renters on Safe Deposit Box?
Safe Deposit Box Titled in Trust-Appoint Deputy?
Son of Deceased Enter SD Box as Executor?
Do Police Need Warrant to Search Safe Deposit Box?
Procedure for Closing Bank on Safe Deposit Boxes
Notice for Safe Deposit Customers if Branch Closes
Insurance Disclosure when Renting Safe Deposit Box
Charging Sales Tax on Safe Deposit Box Rental
Guardian Allowed to Open Safe Deposit Box?
Safe Deposit Box-Named by Transfer on Death (TOD)
Deputy Allowed to Close Safe Deposit Box?
Safe Deposit Contracts not Signed by all Renters
Disclosure Post for Fire/Safe Deposit Boxes
Procedure After Owners Safe Deposit Box Pass Away
Safe Deposit Box Policy on Box Drilling
Procedure for Relocating Safe Deposit Boxes
To Re-key a Safe Deposit Box...or Not?
Releasing Safe Deposit Box to Executor
Sole Lessee of Safe Deposit Box Dies
Safe Deposit Box with Two Elderly Individuals
Safe Deposit Box Key Log
POD on Safe Deposit Box?
Routing Number on Safe Deposit Box Keys?
Retention Schedule for Safe Deposit Boxes
Box Numbers on Safe Deposit Box Keys
Retrieving Contents of Drilled Safe Deposit Box
POA and Access to Safe Deposit Box
Signing a Safe Deposit Box both In and Out
Taking Safe Deposit Box Home
Privacy Notice to Safe Deposit Box Customers
POD for a Safe Deposit Box?
Avoiding Garnishment with a Safe Deposit Box?
POD on Safe Deposit Box?
Should Safe Deposit Boxes Move with Branch?
Safe Deposit Box Coupon Booths
Can a Trust Own a Safe Deposit Box?
Non-Resident Alien Safe Deposit Box Rental
Cameras in the Safe Deposit Box Area
Safe Deposit Box in a Family Trust
Drill Baby Drill - Mystery Boxes Create Unhappy Renters
Safe Deposit Box - Joint Ownership Issues
Successor Trustees Accessing Safe Deposit Box
Death of Joint Safe Deposit Box Owner
CTR on Cash in Safe Deposit Box?
Deputy Required on Safe Deposit Box?
Accessing Safe Deposit Box Used for Storage
Safe Deposit Box or Home Safe: Today's Consumer Dilemma
Safe Deposit Boxes in the Lobby
The Woman in the Lobby – File a CTR?
"Hurricane Ike" - Flooded Vault Planning is the Key!
Access to Safe Deposit Box After Bank Failure
Surveillance Cameras at the Safe Deposit Box Vault
Safe Deposit Box Agreement - No Valuables Allowed
Risks Associated with Old Safe Deposit Locks
Safe Deposit Box Rented to a Business
Safe Deposit Burglary Mirrors "The Bank Job" Movie
Cash Left By Previous Owner in Safe Deposit Box
Safe Deposit Box - Removing One of the Owners
Safe Deposit Boxes & Trust
Safe Deposit Box Entry Via DPOA
Safe Deposit Box & BSA Reporting
"New" Keyless, Biometric Safe Deposit Access System
POA Powers & Safe Deposit Boxes
Poor Box Drilling Procedures Create Rich Box Renter
Bad Key Wallets - A Key To Disaster
Adult Son on Safe Deposit Box Signature Card
Bar Safe Deposit Box Access?
CIP on Safe Deposit Box Signer
Safe Deposit Access in Vault
Branch Closing - Safe Deposit Box Procedures
POA Safe Deposit Box Entry
Bank Out of Business - Safe Deposit Box Key Found
Saturday Safe Deposit Box Access
Safe Deposit Boxes - CTR Required?
Estate Ownership of a Safe Deposit Box
Using Same Person as a Deputy & Personal Rep?
Risks Abound in Self-Service Box Industry
Minor as Joint Signer on Safe Deposit Box Contract
Safe Deposit Matters (PDF)
Safe Deposit Boxes Are Not FDIC Insured
Box Relocations Provoke Lawsuits
Safe Deposit Box Deputies
"Hurricane Katrina" - Flooded Vault Planning is the Key!
Can You Make CHANGE? . . . for a safer box access system.
Safe Deposit and Corporate Documentation
Will Promo Open a Treasure Chest or Can of Worms?
Storage of Large Items in the Safe Deposit Box
Box Relocations Provoke Lawsuits
Hand Scan to Access Safe Deposit Boxes
POD on Safe-Deposit Lease
Steps in Changing the Fee for a Safe-Deposit Box
Box Relocations Provoke Lawsuits
Safe Deposit Box Access
Facility Requirements -- Bank Protection Act
Converting Safe Deposit Boxes from Free
Mailing Ammunition or Guns to Customer
Death of Sole Safe Deposit Renter
Deceased Customer Affidavit
Leasing a safe deposit box to a trust
Customer Mailed Safe Deposit Keys
Drilling a Deceased Customer's Box
Safe Deposit Boxes & OFAC
Safe Deposit Box Drilling: What do you do with the contents?
Guns in the safe deposit box?
Joint Trust Ownership of Safe Deposit Box
Safe Deposit: Drilling Safe Deposit Box Of A Deceased Owner
Safe Deposit Box Rental & OFAC
Safe Deposit Box Ownership Problem
Can a renter impose additional safe deposit access restrictions?
Safe Deposit: What is the holder of a POA authorized to do?
Safe Deposit: What is the difference between a Power of Attorney and an Appointment of a Deputy?
Deducting Late Safe Deposit Rent From Savings Account
Is there anything that would prohibit a trust from having a safe deposit box?
Joint Accounts & Death: Safe Deposit Practices vs. Checking Account Practices
Moving Safe Deposit Boxes
Safe Deposit Area & Security Camera Coverage
USA PATRIOT Act, Safe Deposit Policy, and the Deputy
Replacing Safe Deposit Boxes: What procedures should be followed?
Can you store a gun in a safe deposit box?
Changing Required Payment Methods For Safe Deposit Box Rental
Extended Hours For The Safe Deposit Area
Changing Safe Deposit Area Hours: Notice Requirements??
Can a safe deposit contract have a POD clause?
Inspecting What Goes into a Safe Deposit Box
Changing Locks on Safe Deposit Boxes
Gun in Safe Deposit Box
Disclosures for Safe Deposit Renters
Safe Deposit Box Liability
Required Safe Deposit Disclosures?
Changing The Locks On Surrendered Safe Deposit Boxes
Safe Deposit: The box was drilled. You're suspicious. Now What.?
Safe Deposit Notification Requirements
9-11 Attacks Spark Safe Deposit Lawsuits
POD Designations on Safe Deposit Boxes
Must safe deposit boxes be in a vault?
Can a Safe Deposit Box be opened with a POD?
Can a bankruptcy trustee enter a debtor's box?
Software For The Safe Deposit Area
Numbers On Safe Deposit Box Keys
Convicts And the Contents Of Safe Deposit Boxes
Handling Delinquent Safe Deposit Boxes
Required Safe Deposit Security Procedures
Self Service Safe Deposit Boxes
Self Service Safe Deposit Boxes, Part II
Are Safe deposit history cards necessary?
Rekeying Safe Deposit Locks

Business Storing Cash in the Safe Deposit Box -- Time for a SAR?
Locating the safe deposit customer viewing area in the vault
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer
EDITORIAL - Are Safe Deposit Services Really Safe?
EDITORIAL - Revisiting The Safe Deposit Area
Question & Answer
Question & Answer
Alert
IN THE NEWS - Safe Deposit Boxes Under Water?
Quesiton & Answer
Question & Answer
Self-Service Safe Deposit
To Report Or Not To Report…
Use Zip Lock Bags And Tupperware…
"Are Your Safe Deposit Procedures Ready For A Subpoena?"
Do You Really Know Your Safe Deposit Locksmith?
Question & Answer
Question & Answer
Question & Answer
Safe Deposit Selling Idea
Question & Answer
"What Happens To My Safe Deposit Box If My Financial Institution Closes?"
How Safe Is My Safe Deposit Box?
Safe Deposit Box Rent Tax Deductible?
The Box Was Empty!
The Saga Of "Bob Evans"
Safe Deposit "Goof"
What Do Other Bankers Do?

SAR
New SAR Form 48/78 Primary Federal Regulatory
Information Required for SAR Insider Abuse
Indirect Auto Finance Co Required SARs Reporting?
Reg on Reporting Transactions Into Foreign Account
Floor Limit SAR for "Computer Intrusion" Issue
File SAR if Grand Jury Subpoena is Received?
Cannot Find Source of Funds-Close Account?
FTC and SAR Availability
Which FI Is Responsible for Filing Out SAR
Grand Jury Subpoena and Disclosing SAR Info
Time Frame for Filing a New SAR after the Original
$5,000 Limit for SAR Filing for Violations of BSA
Exempting Customer with SAR for Structuring
Filing a SAR for Debit Card Fraud
When should a SAR or CTR Not be Reported
Fraudulent Loan App - Requires SAR?
Debit Card Fraud and SAR Filing
SAR Filing Timelines
Home Improvement Loan used for Tuition
Big Deposits: CTR or SAR?
When to File a SAR
Two Individuals: Two Accounts: Two SARs?
SAR Filing - Customer Sold Loan Collateral
Employee Check Kite & SARs
Providing SAR Info to the FBI
Check Kiting - SAR Filed
SAR – Wire Transfer
Suspicious Activity - Dollar Amount Trigger
SAR Categories
SARs and Robbery
Willful Blindness
SAR Filing – Who Makes the Call?
File a SAR?
SAR Filing Methods
SAR – Work at Home Scam
No Monetary Loss – SAR on Check Kiter?
CTR - Attorney State Bar Client Trust Account
Form to Report Suspicious Activity to BSA Officer
SAR Filing with FBI or Secret Service
File a SAR on a Loan Officer?
Business Transactions Via Personal Accounts
Law Enforcement & SAR Disclosures
Dismissed Employee Applying for Another Job
Penalties for Not Filing SARs
Claim Withdrawn – Bank Obligated to File a SAR?
Tainted Appraisal?
Small Cash Deposits Totaling Over $10,000
File a SAR on Levied/Garnished Customer?
SAR Filing – Time Limit
SARry Situation – Include Both Accounts?
SAR Reporting on Forced Balancing
ATM Fraud
Documenting Business Activity without Filing SARs
SAR & CTR Required?
SAR - All the Deposit Details?
Account Closing Form Letter Due to SAR Filing
Inform Client of CTR Filing?
Purpose of Wire Transfer Required?
Reg DD - Internet Ad
SAR Required on One Time Deposit or Withdrawal?
SAR Filing on Suspicious Activity Under $5000
SAR'd Customer Eligible for a Phase II Exemption?
Close the Accounts to Be on the Safe Side?
New SAR Form Still on Hold?
CTR - 2 $9000 Checks Cashed at Different Branches
SAR Regulation
Filing a SAR on a One Owner Business
Structuring - SAR Filing & Board Notification
Run Prospective Employees Against OFAC List
Suspicious Activity Tips
Closing Money Laundry Suspect's Loan Account
File SARs for Significant Cash Withdrawals?
Filing a SAR on Customer with a Fake SSN
SAR Form Deadline
Close the Account or Continue Filing SARs?
Pyramid Investment Scheme - File a SAR?
Would Customer’s Regularity Warrant a SAR?
Can We Truncate Statement Account Numbers?
Filing a CTR - Check is Over a Year Old
Title Companies Required to file CTRs & SARs?
File a SAR In Lieu of a CTR?
Guidance for Filing SAR on an Employee
Loan Made to an Identity Thief
Husband Forged Wife's Signature on a Joint Loan
New SAR Form Announced
Monitoring & Filing Supplemental SARS
File a SAR After Filing a CTR
Employee Check Kiting
Telling Customers the Bank is Filing a CTR
$5000 counterfeit check - File a SAR?
Teller Outage
An Individual Customer Registered as an MSB
Shady Auto Loan Customer
Filed SARS. IRS Wants Customer Back-up Info
Getting Around ID & SSN Requirments
Car Sale Fraud, SAR Required?
A Customer Wants a Copy of a CTR
SAR: Staff Member Disclosed Client Info to 3rd Party
SAR - Our Bank Name Printed on Counterfeit Checks
Police Department Requesting Customer's Statements
Filing Additional SARs
Attempted to Deposit a Photocopy of a Check

External Auditors Reviewing SARS Filed in 2005
Do We Fill Out a SAR on a Suspected Check Kiter
CTR: Aggregating the Deposits from Two Businesses
This SAR Has Been Sanitized.........
SAR Confidentiality
FinCEN's SAR Hotline
SAR Filing
Learn How to Write Reasonable Explanations
Safe SARs
SARs. What Constitutes Suspect Identification?
Application & Tax Return Conflict, Triggering SAR?
Counterfeit Checks & SARs
SAR for Disecrepancies in Employment Application?
AA on Loan Application - 2 SARs Filed on Customer
Aggregation for Different Businesses, Same Owner
Does Bank File SAR for Scammed Customer?
Is SAR Required on Crime With No Known Suspect?
Reasons for Filing a SAR
Requiring IRS Subpoena on Information Not in SAR
Time Frame to File an SAR
Obligations for Possible MSB
SAR on Customer Trying to "Game" Chexsystems?
Steps to Prove Check Kiting
Reporting an Employee Theft
What does SAR mean?
Negative Database Defined
FinCEN Taps Bank for Penalty
Current Federal Forms
Action Audit
Disclosing BSA Limits to Customers
BSA Training Is For Everyone!
Joint Payees & Forged Endorsements
Possible Employee Structuring, SAR-able
Can We Still Cash These Checks?
AML Requirements Upon Identifying an MSB
Concealing CTR Filing from the Customer
Exempt or SAR this Commercial Customer?
Filing a SAR for Payroll Fraud
If It is a Bad SSN, Do We File a SAR?
SAR Reporting and Due Diligence
Recovering On A Counterfeit Check
Ongoing Reviews and SAR Follow-Up
Developing A Successful Bank Secrecy Program: To Catch A Crook, Think Like One
Reporting SARs to the Board or a Designee
Suspected terrorist: Beyond SAR, what steps to take?
Dollar Threshold for Check Kiting SAR
SAR Filing Delay on Ongoing Investigation
Full Disclosure of SAR Content
Examples of Recognizing Suspicious Activities
FinCEN Guidance on SAR Filings
Timing Triggers for SARs
Social Engineer Contacts Bank
Branch Robbery in Homeland Alert Times
Origin of Requirement for SAR Reports to Board
SARs on Nigerian Letters
SARs Oops
Noncustomer Purchase of Official Check
FinCEN Expands E-Filing System: BSA Reports Can Now Be Filed Over Secure Internet
Retaining Records Regarding Forgeries
Automating The Case Management Process
Internal Theft & Filing SARs
New SAR Form and Software
Suspicious Activity & Stop Payments
Training To File SARs
Filing SARs for Stopped Nigerian Scam
SAR Triggered by Invalid SSN?
Attorney-client Privilege & Filing a CTR
Should you inform an employee they are being investigated?
Reportable or structured transaction?
Filing SARs for OFAC Hits
How to file new SAR electronically?
SAR or CTR?
SAR Reports For Nigerian Email Scams
Filing A SAR For Suspected Employee Theft
Discovering past transaction from current OFAC list
ATM Stolen -- File SAR?
Spotting A Scam: High Volume of Returned 'Checks by Phone'
Are we required to monitor Internet Bill Payment transactions for CTR reporting?
Reporting suspected terrorism
SAR Slip-ups Result in CMP
Do weird cash advances warrant a SAR?
Obtaining CTR info from a noncustomer check payee
SAR Filing For Suspected Teller Theft
The Fine Points Of SAR Completion (Part 3 of 3)
Suspected ID Theft & SARs
A SAR For Every OFAC Hit?
The Fine Points Of SAR Completion (Part 2 of 3)
SAR Reporting For Kiting
Where do I get a SAR form?
The Fine Points Of SAR Completion (Part 1 of 3)
Filing SARs For Kiting
SAR Slip-ups Result in CMP
Filing A SAR For Identity Theft
Eight SAR Disclosure Issues
Obtaining Information for a SAR
When Hacking Triggers an SAR
Informing the Regulators of SAR Filings
Filing a Subsequent SAR
SARs and Identifying a Suspect
Disclosing SAR Information to State and Local Authorities
Keeping Records on SARs You Didn't File
Disclosing SARs To The Board
Is a forgery SAR reportable?
Reporting SARs to the Board of Directors
The Board's Role in SAR Reporting
Complying With A Subpoena & A SAR Filing Question
Tips on Suspicious Activity
SAR Filing For Check Fraud
Unusual Withdrawals From a Non-suspicious Customer: Do we file an SAR?
SARs and Phone Card Businesses
Letter to the Editor
Question & Answer
SAR Activity Review
Computer Intrusion: Is a SAR required?
SARs and the Nigerian Scam
Filing a SAR
Business Storing Cash in the Safe Deposit Box -- Time for a SAR?
SAR Find a Number
How Frequently To File SARs
We've been robbed! Do we file an SAR?
Always File A 1099
CTR Yes - SAR No
New SAR Activity Review Details Trends, Tips & Issues
Question & Answer
New SAR
COMPLIANCE NOTES - No Exemptions for SARs
Filing SARs How Safe Is The Harbor?
Don't Let SAR Reporting Backfire
New, Revised SAR Issued
Question & Answer
CTR & SAR Reporting
New Suspicious Activity Report
Question & Answer
Report On SAR Use
The ABA Comments On The Revised SAR
Counselor's Corner
SAR Analysis From FinCEN
Suspicious Activity Reports
Question & Answer
To Report Or Not To Report…
IN THE NEWS - Suspicious Transaction
IN THE NEWS - Update…
Question & Answer
Question & Answer
Question & Answer
To Get A Supply Of The New SAR ...
Criminal Referral Form (CRF) Becomes Suspicious Activity Report (SAR)
Important Court Decision Deep In The Heart Of Texas
Neither Rain, Nor Snow…Will Keep Them From Filing A CRF!
SAR Delayed
Suspicious Activity Report
Question & Answer
UPDATE - And Clarification
Question & Answer
Question & Answer
Question & Answer
Question & Answer
Question & Answer

Sarbanes-Oxley
Wading Through SOX Provisions
Sarbanes-Oxley Act
Regs Triggered Due to Increased Asset Size
Business Email Retention
Badly Managed Electronic Communications a Danger
Have SOX Penalties Changed?
Record Retention for Internet Banking
New company wants to comply with SOX
Sarbanes-Oxley: Challenges and Opportunities in the New Regulatory Environment
(pdf)

Savings Accounts
What Is Reg D Super Abuser Rule?
Are Savings Accts Governed Under Reg CC?
Reg D Monitoring Savings Acct-Limit Transactions
Open Savings Account Not Titled UTMA?
Allow Savings Account to be Overdrawn?
Reg on UK Resident Closing Checking/Savings Accts.
Closing Account for 3rd Violation of Reg D
Interpretation of Reg D Number of Transfers Limit
# Days to Place a Check on Hold in Savings Account
Violation of Regulation D Transaction limits
NSF Fee on a Savings Account?
Exceeding Transaction Limits Online
Hold Deposit to Savings Account
Reg D and Too Many Over-the-Counter Withdrawals
Money Market Account Classification
What is a "Transactional" Account?
Business Money Market Account Activity
Holds on Accounts Not Covered by Reg CC
Third Reg D Transfer Violation
Savings Account for a Minor
Passbook Savings – Rate Decrease Notification
Savings Account as Loan Collateral
Reg D Transfer Limitation Query
Decedent Savings Account – No Beneficiaries
Transfer Limit Change – Apply to Savings & MMAs?
Custodial Savings Account in lieu of a UTMA?
Reg D Change for CUs and Banks?
Reg D Change for CUs and Banks?
Savings Account - Quarterly Transactions
MAUTMA Passbook Savings Account
Savings Accounts Funds Availability Disclosures
Lowering Savings Rate – 30 Day Notice Required?
Reg D - MMAs Vs Savings Accounts
Employer/Employee Contributions on HSA Statements
Reg D - Teller Counter Cash Withdrawals
Government Organization Money Market Savings Account
Use Same BIN for HSA & Debit Card Programs?
Guru Followup Question - Is it Service or Savings?
Placing Holds on Accounts Not Subject to Reg CC
Fraudulent Statements
Reg D – Excessive Withdrawals
Kids Savings Programs
Automatic Transfer Savings Eligibility
Reg D – Internal Transfer Loan Payments
Debit Card Transaction "Round Up" Program
Rollover from a 401k to an HSA
Banned from Opening MMA/Savings Account?
Reg D - Close Account Due to Excessive OD Activity
Offering High Rate Savings Account in Affluent Area
HSA Accounts & Reg D Transfer Limitations
Transferring HSAs to a Custodian
Restrictions May Apply
Passbook Savings Account Withdrawal Limit
Checking Accounts & DDAs
Reg D - Personal Statement Savings Accounts
Minor Savings Account Vs UTMA Account
Offsetting Two Separate Accounts
Reg D Limits -When is a Transaction a Transaction?
Minor Withdrawals
Opening/Styling Minor Savings Account
Charging a Savings Account Overdraft Fee
Sample Excessive Withdrawal Letters/Notices
Yearly Savings Statement
Discontinuing a Savings Product - Customer Notice
Advertising Health Savings Accounts
UTMA & Minor Saving Accounts
Dormant IRA Savings Accounts
S Corp Interest Bearing Account
Electronic Payments - Checking Accounts Only
HSA Obligations
Minor Payroll Check Cashing
Checking/Savings Statements
Grand Opening Promotional Savings Account
Reg D - Notices of Excessive Transactions
OTS Savings Associations & Lottery Rules
Reg D Transfer Limitation Confusion
Drawing for a $500.00 Savings Account
Reg CC & Savings Accounts
Reg D Account Reserve Issues
Can we Issue Debit Cards on Savings?
Denied Opening a Savings Account
Reg D - Savings Transfers & Withdrawal in Person
Refusing & Returning Drafts on Savings Accounts
30-Day Notice Given for Change in Tier Structure?
The Legal Issues of Closing Joint Savings Accounts
POD Beneficiary Signing Security Agreement
Savings & Checking Account Inactivity Fees
Changing Saving Withdrawal Fees
State, County, Municipal Interest-bearing Accounts
Can We Refuse Large Cash Withdrawal Requests?
Timeframe Before Opening New Savings or MMA?
Exceeding Transfer Limits on Savings Accounts
What Regs Apply To Open a Minor's Savings Account?
Charging NSF Fees on Saving Accounts w/ACHs
FTC Releases Updated ID Theft Stats
Unlimited Amount of Savings Walk-in Withdrawals?
Deposit Accounts as Collateral
Regulations Applicable to Business Saving Accounts
Account Ownership and Telephone Transfers
What Period Do Limited Transactions Cover?
Overdraft Fee on a Savings Account
Identifying & Freezing a Decedent's Account
When is a CD Not a CD?
Thinking of Offering Medical Savings Accounts
Right to Setoff, Similar Ownership Deposits
What is an ATS account?
Ownership of account for infant
Limited Withdrawal Disclosure
Fee Limit in Reg D?
Reclassifying Savings with EFT Access
Savings Funds Availability
"Work-Arounds" on MMDA Transaction Limitations
Business Accounts Subject to Reg D
Credit Card Offset
Disclosures Required with ODP Product
Savings Overdrafts Caused by Chargebacks
"Minor by" Account Questions
ACH Debits to Savings Accounts

Savings Bonds
What Form Replaces PDF 4881
Affirmative Action Policy/Program & Savings Bonds
Savings Bonds for Non-customers
CIP – Savings Bond Purchase
Refusal to Cash Non-Customer Savings Bond
Personal Rep Endorsing Decedent's Saving Bond
Security Interest in a Savings Bond
Non-client Savings Bond Redemption Fee
CTR - Savings Bond Purchased for Spouse
Under BSA are Savings Bonds a Monetary Instrument?
CIP and Savings Bonds
CIP and Savings Bonds
Treasury Ups Bond Holding Period

Scams/Schemes
PayPal Direct Deposit that is a Possible Scam
Disputed POS Transaction Authorized - But Scam
Check Kiting or Not
Account Disputes and Selective Amnesia
Dealing with Theft and Counterfeit Presentment
Reporting Insider Fraud
Recovering Funds from Counterfeit Checks
SAR – Wire Transfer
Bank Fraud - Recovery Vs Loss Avoidance
In Need of Easy Explanation for Check Kiting
Name Tags & FI Employee Security
Pyramid Investment Scheme - File a SAR?
Loan Scam
Pigeon Drop Scam
FDIC Insurance Scam
"...In The Good Old Summertime..." : Be Alert For Increased Fraud
More Scams using FDIC
Fraud, FDIC and FACTA
Does Bank File SAR for Scammed Customer?
Reporting Fraudulent Lottery Scams
Use of blank deposit slips in the lobby
Customer Gives Up Card Data in Scam
New Advance Fee Schemes Reported: Old from Nigeria - New From Afghanistan
Time Limit For Returning Cashier's Checks
Phishing Scams Increase 180% in April Alone!
Email from IRS? Nope, Just More Phishing
AML Certificate Number
Phishing Scams On The Rise
Skimming, Scanning, and Scamming: ATM Crime On The Rise
Filing SARs for Stopped Nigerian Scam
SAR Reports For Nigerian Email Scams
Counterfeit Currency Alert: Check the Watermark
Spotting A Scam: High Volume of Returned 'Checks by Phone'
"Ponzi" Scheme
SARs and the Nigerian Scam
Nigerian Scam Goes High Tech
BOL Poll: Banking Scams
The Nigerian Letter Scam: From Snail mail to Email
Current Scams
Smart Seniors Fight Back!

Section 314(a)
Government Lists for 314a Search Requirements
Differences Between OFAC Lists and Section 314(a) Lists
Retention of OFAC and 314a Records
314(a) Record Retention
Still Some 314(a) Problems
Destroying 314(a) Search Requests
314(a) Search Request Questions

Section 314(b)
314(b) Filer
314(b) Information Sharing Update
Information Sharing:Should You Certify?

Section 326
Section 326 Takes Over: "The Devil Is In The Details"
One 326 Problem
CIP Business Accounts

Security
Magazine Publications on Security Changes
Emergency Evacuation Drill Procedure
Standard for Checking Security Equipment/Alarms
Illuminate Vault if Visible from Outside?
Cash Kiosk Display In Branch Lobby-Allowed?
Free-Standing Teller Pod as Teller Station-Safe?
Stop Payment Check Cleared Account-Liability
"Active Shooter" Training
Requirements for Night Lighting on Vaults/Safes
Recommended Categories for Annual Summary Report
Lighting and Bush Requirements ATMs Night Deposit
Where to get Bank Security Training
Standards for Primary Doors in Branch Office
Package with Dye Pack for Theft Problem?
How Often Should Bank Change Bills for Bait Money
Timely Information given to Security Officer
Retention Days of Branch Security Camera Video
Bank's Vault Security Requirements
Information Security Under Overall Security
Enhanced Monitoring of Correspondent Banks
Crime Statistics Involving Banks
Description of Opening/Closing Procedures
Law Preventing Firearms In Financial Institutions
Rule on Bank Staying Open Past Posted Closing Time
Written Security Program and Board of Directors
Security Training
Internal crime statistics
Bomb Threat Procedures
Opening/Closing Signal Changes
Security Committee
Opening/Closing the Bank
Flash Drives and Data Security
Handling Customer Deposit Bags from Night Drop
DVR System Not Working
Reporting Insider Fraud
Executive Security Training
Keeping Security Surveillance Recordings
Security Check for Files
Carrying a Concealed Weapon
Armed Security Guard - Yes or No
What Forms to File after Robbery?
Outdoor Cameras
Morning Glory - Training
No Hats - No Hoodies
Camera Placement
Security Training
Sample Secuirty Policy
Check List for Security Officer
Dealing with Kiting
Robbery Training
Protecting Online Business Accounts
Safe Deposit Box Coupon Booths
Opening Procedures Not Followed
Advice Ignored by my Board
Cameras in the Safe Deposit Box Area
ATM Security Evaluation
Outside Lockbox with Bank Key Inside
An Alternative to Current Image Technology
Being Unaware is More Costly than you Think
Missing Cash – Interviewing Employees
Info about Dealing with a Robbery
Bank Fraud - Recovery Vs Loss Avoidance
Security Officer Certification Course
Bait Money - Annual Change
Hacked PC – Who Takes the Loss?
Pop Up Box
Successful Training Techniques
Training Requirements for Security Officers
Cash Vault Combination
Signer Pledging Interest - Appraisal Notice Given?
Safe Deposit Box or Home Safe: Today's Consumer Dilemma
Dealing with an Embezzlement Investigation
Privacy Act - Check Verification
Turning Video Over to Police – Subpoena Required?
ISO Independence
BlackBerry Banking - Time Out Control Default
Dismissed Employee Applying for Another Job
Installing Audio Alarms as a Burglary Deterrent
Minimum Vault Classification - Reg Requirements
Vault Operations
Fire Proof File Cabinets
Safe Deposit Boxes in the Lobby
Vault Requirements for Housing Customer Assets
Dye Pack Debate
SAR Filing – Time Limit
Include the Minor on the CTR?
Best Job Candidate for BSA Officer
Bank Protection Act - File Annual Report to FDIC?
Time Limit to Appoint New Security Officer
Security - Employee Foreclosure
Second Homes Subject to ROR?
Surveillance Cameras at the Safe Deposit Box Vault
Safe Deposit Box Agreement - No Valuables Allowed
Employee Branch Opening and Closing
Changing from First Name to Full Name Badges
Courier Service Rules - Branch Cash Transporations
SAR Reporting on Forced Balancing
CTR on a Courier Service
Using Banker Photos in Marketing Campaign
Risks Associated with Old Safe Deposit Locks
Teller Cash Drawer Rules & Regulations
Customer Notification of Security Cameras
Safe Deposit Burglary Mirrors "The Bank Job" Movie
Standard for All Clear
One Person at the Branch
Clean Desk Act
Right Answers, Wrong Voice
Name Tags & FI Employee Security
Cash Left By Previous Owner in Safe Deposit Box
Counterfeit Pens & Old Bills
Personal Property of the Tellers
Change in Environment Changes Security Strategy
Reason for the Bank Protection Act
Banks Scammed by Bogus Couriers
Arrested Man May Be Bank Heist Suspect
Observant Bank Manager Helped Police
Height Markers
Removing the Veil - Culture Vs Security
Teller Stages Fake Robbery
Yet Another Bike Bandit!
Training Thwarts Robbery in Georgia
Counterfeit Bill Procedures
Servicing Drive Up ATMs
Bank Robbery 101
Stolen Gun Connects Three Hoosier Heists
One Injured in Muncie Bank Takeover
Phone Center Robbery Procedures
Video Surveillance Warning
Caught by the Net: How your online profile could ruin your travel plans, your career, and your life
Locked in a Bank Vault - Practices or Procedures
Vault Dimension Requirements
Bank Robberies & Customer Safety
Who Is This Man?
Security for Staff After Daylight Saving Ends
Remote Control Robber Sought
Failed Controls Led to Major Embezzlement
Spotlight on Elders in Georgia Heists
Privacy policy and Security Statement
Security Officer at the Holding Company Level
ATM Lighting - Subdivision (3)
All Clear Signal
Designating a Security Officer
Last Ride of the Bicycle Bandit
Yet Another Not-Too-Brilliant Robber
Bomb Attack on ATM
Dye Pack Stain Query
I'm Alone at my Branch -- Is This Typical?
Executive Officer Kidnap Policy
Regulations for Teller & Vault Kitties
Foiled Quebec Threat Raises Concerns
Tree Robber Hits NH Bank
Bizarre "Pizza Bomber" Robbery Update
Furnishing Security Info Upon Debit Card Issuance
Bad Key Wallets - A Key To Disaster
Robberies Increase in Latest FBI Stats
Bank Robberies Can Be Violent
Bait Money in Consecutive Numerical Order?
There's a Lesson in Here, Somewhere
Band-Aid Victim Tellers Testify
Strengthening Inbound Phone Identification Process
High-End Copiers May Be a Security Gap
Purpose of Changing Bait Money
Forgeries and Check 21
Suspect Description - Use a Form?
Security Video/Digital Retention
Preparing Your Annual Security Program Report
Robbing Banks --
It's a Lousy Job, but the Work is Steady
Quick Getaway, Quicker Capture
Happy Holidays, You're Under Arrest!
Horrific or Polite -- They Are Still Bank Robbers
Background Investigations: Part 3: The What
Background Investigations -- Part 2: The Who
Background Investigations: Part 1: The Why
Dirty Deputy Derailed, Again
Regulation Regarding Receipt of Deposit By Email
ATM Camera Requirements
Bank Building Specs
Saturday Safe Deposit Box Access
State Bank - Federal Law Enforcement
Savings Accts Reclassified as Transaction Accounts
Vendor Confidentiality Agreements
Training Requirements
FBI: Bank Robberies Down in 2005 Overall, but Up Regionally in 2006
Should These Robbers Consider a Career Change?
All Alone Am I -- At My Branch
Texas Authorities Searching for "Backpack Robber"
Band-Aid Bandit Busted
Is Our Network Really Secure?
Sending Financial Information Over Non-secure Line
Alarm System Guidelines
Taking Home the Key to the Bank
Loan Customer an Existing Customer for CIP?
OFAC - Cashing Non-Customer Payroll Checks
Lax Controls Can Cost You -- Big Time!
Sherlock Holmes Not Needed to Solve This Robbery
"No Hats, No Hoods, No Sunglasses" ... Wigs and Beards, Too?
Are You Alert to Loan Fraud Clues?
A Lesson Learned from Someone Else's Mistake, is a Valuable Lesson Learned
Security Officer's Role in BHC's Insurance Agency
Best Practices for VCR Tapes
Refusing Suspicious Deposits
SARS - When Does 30 Days Begin?
Selling Account Monitoring
Covert Video Surveillance of Staff
Lobby Lighting Requirements
Risks Abound in Self-Service Box Industry
Distance Between Entrance Doors & Teller Station
"VOID" Security Feature and Imaging
Fed Helps Cancel Fraudulent Paper Drafts
Bank of New York Pays to Avoid Criminal Charges
Handicapped Robber
Box Relocations Provoke Lawsuits
Are Your Internal Controls like Swiss Cheese? - Part 16
Note to Self - Check Pants Pockets
Bad Aim
Deterring "Smash and Grabs"
Bait Money
New Jersey Bill Would Mandate ATM Panic Buttons
Helping Businesses Prevent Fraud
Banks Form ID Theft Assistance Group Robbers Do Stupid Tricks, Too
Do You Know Where Your Laptop Was Sleeping Last Night?
Tastefully dressed
One More Way
"...In The Good Old Summertime..." : Be Alert For Increased Fraud
Follow the Cash Trail
Security Camera Requirements
Using Courier to Transport Cash
Password Protected Email Sufficient Under GLBA?
Email and Internet Fraud
More Scams using FDIC
Fraud, FDIC and FACTA
Help For Victims of ID Theft
Converted ATMs
Sliding Doors & Security
Fighting Back With Education
Dots that Protect Documents
Identity Management Not Secure in Many Companies
Spending on Biometrics Climbing Rapidly
Biometrics as Passwords
Secret Technology Foils Counterfeiting
Coalition Will Fight Online Fraud
'Skimming' Too Easy with New Technologies
New IRS Team Provides Education to Combat Money Laundering
$9,250,000 Judgment for Missed Paperwork
Should Have Taken The Bus
ATMs Not Too Secure
ID Theft of Another Flavor
He Was Short-Changed!
New Level of Smart Card Protection
"I Know Him!"
Wearing His 'Special' Shirt
Keeping Online Banking Safe: Why Banks Need Geolocation and Other New Techniques Right Now
If At First You Don't Succeed…
And Yet AGAIN!
A Bad Family Activity
Protecting Elderly Customers & Large Cash Withdrawals
A Sharper Eye
Invisible Ink Spray
A Lock That 'Talks' to Phones
Trash Retention
Using Armed Guards or Escorts
New Security Officer Looking for Resources
All Alone Am I -- At My Branch
Use of blank deposit slips in the lobby
Positive Pay Solution
Budget? What Budget?
Top Trends Impacting Bank Technology for 2005
Concerns About Internship Program
Drive-up Security Question
Can a Convicted Felon Work for a Bank?
Dealing with positive OFAC matches
Bogus Cashier Check Warnings and Reg. CC
Bank Vault Requirements?
Board Information, Security Issues
Reducing Robberies
Double Edged Protection
I am trying to find information on detecting internal fraud. Can you help?
ATM Lighting Standards for Multi-State Bank
A Theory About Bank Robbery
Identification & Access: Security Still of Primary Concern
Advice From FBI: Watch Your Laptop
Statistics on Security Measures
Data Needed to Verify New Internet Banking Users
Emergency Preparedness Update
States Looking at ATM Emergency Bills
Security is Top Level Consumer Concern
States Looking at ATM Emergency Bills
New Disaster Recovery Requirements
Marking Teller Currency "Invisibly"
Monthly security meeting topics
Guru Compilation: Email/Web Issues (PDF)
Guru Compilation: Employee Safety (PDF)
Guru Compilation: BSA (PDF)
Our Best Protection Against Terrorism
Password Security Hints
Ongoing Reviews and SAR Follow-Up
Annual policy reviews
Employee Background Checks
Apology Accepted
24/7 Fraud Check
ATM Security Tip
Canada Gets New Resident Card
Guru Chatter on Miscellaneous Security Issues(PDF)
Guru Chatter on Surveillance Video
Bank Security Requirements
Risks Associated with Metal Detectors
Your Safety and the "Not Me" Illness
Unusual Getaway Vehicle
The Japanese Solution to Machine Theft
Definition of "Tamper-Resistant Lock"
Our Best Protection Against Terrorism
Security Tips for Supermarket Branches
Panic & Alarm Buttons
Surveillance Film
Bad Hair Day
Information Security: Authentication In An Online Environment
ATM Lighting Requirements
Taking Home the Key to the Bank
Ratio of Security Officers to Branches
10 Potentially Catastrophic Mistakes During Bank Robberies
Social Engineer Contacts Bank
Use of Void Pantogram
Expiration Date on ATM Card
Cash Drawer Sharing
Can Only Officers Approve Checks?
Internal Fraud: Working with the Thief from Within
Branch Robbery in Homeland Alert Times
Janitors and Privacy Issues
Fighting Back
Business Continuity Planning - At the Top of 2004's "To Do" List
Posting Officer Info on Web Site
Smoke and Alarm Devices
Testing Candlefoot Power of ATM Lighting
Seeking Supplies for Tellers
Testing ATM Lighting
Staying Open in the Event of a Power Outage
Bank Robberies 2001 - Part II
Officer Access to the Vault
Is there a bait money requirement?
Should you inform an employee they are being investigated?
Handling Returned Mail & Security Issues
Bank Protection Act Building Security Requirements
Privacy II: Gramm-Leach-Bliley Strikes Again
Blocking View of ATM
Using Actual Video Of Robbery In Training Session
Extortion/Kidnapping Checklist
Only One Employee In The Office
Remove Hats Sign
Presenting Annual Security Reports To The Board
Kidnapping, Extortion and Bomb Threat Policies
Fraud Prevention Incentive Plan For Employees
Security Training Not A Joke
Non-Network Vulnerability
Mock Robbery "Skits"
Security Issue - Branch With Only 2 Employees
Robber Height Markers Vendor
Guidance For The Annual Security Report To Board
Backup Tapes & Fireproof Cabinets
Is It Necessary To Save Teller Trash?
Can We Close Abusive Customer's Accounts?
Uncovering Potential Fraud: How Far should your investigation go?
Surveillance Tape Retention Schedule
Eliminating Branch Opening Procedures and Time-Delay Vaults
Insurer Says Executives Face Kidnap Risks
Can we close an account if we feel that a customer is up to no good?
Is there an industry standard for using CCTV systems?
Transporting Cash
Being Ready for Bomb Threats
When Tellers Are Targeted
When Tellers Are Targeted -- Part II
Top Ten Weapons Against Web Site Theft
High Tech "Dye Pack"
ALERT: Remote Sendmail Header Processing Vulnerability
Time-Delay Locks on Cash Vaults
Preparation Priorities: Twenty Areas To Check NOW
When disaster strikes
CyberSecurity Advisory Checklist
Physical and Digital Threats to Financial Institutions in the Wake of the Terrorist Attacks
Tips for Dealing with Suspicious Mail
Are You Running With Scissors? Physical Security: What You Should Be Doing Now!
Required UL Classification For Vaults
Security Spending - Are you spending it in the right places? - Part II
Security Spending - Are you spending it in the right places? - Part 1
Ongoing Steps For Virus Protection
What are "bust out schemes"?
Dye Pack Vendors
Improving Branch Security
Solving Dual Control Problems
Displaying Teller's Names
Posting Officer Names And Photos On Your Web Site
Letting Customers Into The Branch Early
IT Security Policy
Should tellers have their full name on their name plates?
Software Piracy
Security Portals
Armed vs. Unarmed Guards
Follow Simple Steps to Boost Internet Security
Industry Standard For Alarm Testing
Policies and Guidelines For Handling Losses
Robbery Deterrence: Security Guards vs. Equipment and Procedures
Night Inspection Tips
Resources For IT Security Training
Funds Transfer: Developing Commercially Reasonable Security Procedures For Your Bank, Part 2
Illuminating The Vault: Lighting Requirements When The Vault Is Visible From Outside The Building
Back Office Security Training
Bait Trap Advice
Teller Alarms and/or Bait Traps For The Drive-Through
Account Opening: Should we be photocopying identification? Are we required to?
Willful Violations of Opening Procedures
Physical Security: What You Should Be Doing Now
Security Policy vs. Information Security Policy
CyberSecurity Checklist
The Challenges of e-Security
Sample Confidentiality Agreement
Opening Procedures
Night Inspections
Convenience Store ATMs
Developing a security plan
Pretend you're a crook
Developing a security plan
The Institution's Security Program
Security Procedures
Ideas for Your Next Security Training Session
Branch Security From Home Base
OCC Says, "Watch out for Hackers!"
Internet - Safety Nets For The 'Net
Fast Track Program
New FBI Terrorist Collector's Series
Question & Answer
Focus On SECURITY
More Security Survey Results
Personal Computer SECURITY
"Please Enter The Last 4 Digits Of Your Social Security Number…Now"
Come In, X9F2…
Criminal Referral Forms & FDIC
Are You Prepared For A Bomb?
Excedrin Headache # 444
Hooray, Hooray, It's The First Of May!
Mailbox Hi-jacking
Memo To Security Officers
Open Sesame!
Tighten Up Security
A Banker's Sixth Sense-Pay Attention To It!
A Matter Of Forgery
Bank Protection Act Changes-More Work For The Super Security Professional
Bank Protections Act
Can You Believe? !
Can You Identify That Person?
Counterfeit Currency
Counterfeit U.S. Government Checks
Credit Card Fraud Skyrockets!
EDITORIAL PRIORITIES
Fax Fraud Facts…or…Fraud Fax Facts
Fingerprint Reports Expanded
Fingerprinting Questions & Answers:
Good Samaritan Scam
Happy Halloween
Mandatory Fingerprinting?
Mock Holdups-A Good Idea?
More On The "Super Security Professional"
Morning Glory Robbery
Robberies On The Rise
Some Days NOTHING Goes Right !
Super Security Professional!
Teller Breaks Up Drug Ring!
Unusual Prison Work
What's In A Name…?
Where Are Your Trash Baskets?
Your Trash Is Their Cash!
...But I've Seen Him In Here Before!
Is This Signature Forged?
Prove That Pass!
Smart Seniors Fight Back!

Security Spotlight/Briefings/News
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