I think someone had a wishful lapse. Look at the definition of an unauhorized transfer. This can't be excluded unless the customer is in on it.
From the commentary:
2(m) Unauthorized Electronic Fund Transfer
3. Access device obtained through robbery or fraud. An unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery.
4. Forced initiation. An EFT at an automated teller machine (ATM) is an unauthorized transfer if the consumer has been induced by force to initiate the transfer.
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