I would definitely verify your customer, regardless of when they opened up their account, when they request a new card, change address, etc. Balances is another big one too. I have heard story after story of tellers and CSR giving balances to the wrong person and the actual account holders comes in and causes a huge stir (rightfully so). This happens a lot with ex-spouses when it comes to child support or employees that handle bookkeeping.
I know address changes are looked at during exams so you should have ID documentation.
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Phil Weiss, CAMS
My opinions are my own and not that of my employer.