Our auditors strongly encouraged us to implement a process to review accounts with returned mail and implement additional safeguards for those that did not have recent activity. We determined that returned mail + no activity in 90 days = dormant status. The account officer was provided a memo identifying the account with returned mail. It was his responsibility to determine whether we had a valid address (perhaps on another account) or attempt to contact the customer to obtain a new address. Customer was asked to sign notice of address change prior to changing address on the account. Timeline for response was 2 weeks.
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Life without Jesus is like an unsharpened pencil - it has no point.