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#1598679 - 08/31/11 04:07 PM CTR - Identification has Expired
NewTooBSA Offline
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Joined: Nov 2005
Posts: 568
Texas
Embarassed to ask this question but it seems to be coming up a lot since changes in how the drivers license is being renewed in Texas.

WE have a business account that the owners wife (non-signer) has been making deposits for. Occassionally a CTR will need to be completed but it seems her drivers license has now expired. Tellers are trained not to accept expired id when completing CTRs. We dont want to deny the transaction or make the customer mad, but the wife has said she is not going to renew the license.

Any suggestions other than telling the owner he has to make the deposits himself?

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#1598762 - 08/31/11 05:47 PM Re: CTR - Identification has Expired NewTooBSA
BrendaC Offline
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BrendaC
Joined: Sep 2001
Posts: 6,029
Sweet Home AL
What would she present to the bank if she was cashing a check? Maybe she has something other than a DL that you can use to document her identity.
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#1598767 - 08/31/11 05:54 PM Re: CTR - Identification has Expired BrendaC
Skittles Online
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Skittles
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TN
Is she still driving?
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#1598775 - 08/31/11 06:15 PM Re: CTR - Identification has Expired Skittles
BC78a Offline
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BC78a
Joined: May 2006
Posts: 311
New York
As the ID current when you first accepted it? If so, you can continue filing based on that. Assuming that the teller now knows who she is, why do they need to ID her every time?
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#1599073 - 09/01/11 02:35 PM Re: CTR - Identification has Expired BC78a
AuditorK Offline
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Joined: Feb 2003
Posts: 962
PA
If we already have ID information for the transactor on our core system, we use that information to record on the CTR - regardless of whether the ID has expired. The state of issue and number doesn't change.

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#1599140 - 09/01/11 03:38 PM Re: CTR - Identification has Expired AuditorK
NewTooBSA Offline
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Joined: Nov 2005
Posts: 568
Texas
Yes she is still driving, however we found out since this thread was started that she has now received a ticket. Could be she will get it renewed now.

We have been trying to get our tellers in the habit of viewing identification to verify what we have on file is correct until they get to know the customer and what types of transactions they do. In this case, since she has been doing the transactions prior to her license expiring, we are going to continue to use the number.

We just had to tell the tellers that this was an "exception" until she gets the license renewed. We have to be very "black and white" with our staff so they don't begin making every case an exception.

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