Skip to content
GeoDataVision
Thread Options
#1645271 - 01/03/12 04:17 PM Poll: CIP ID
Banker Chick Offline
Junior Member
Joined: Jul 2006
Posts: 37
TN
For those willing to share.

Please indicate if your Bank requires only 1 ID or 2 IDs for the purposes of new account opening. Please include your approximate asset size of your bank. If only requiring 1 form of ID, please indicate the primary types used.

Thanks,
_________________________
Opinions expressed are my own and do not necessarily reflect those of my employer.

Return to Top
BSA/AML/CIP/OFAC Forum
#1645301 - 01/03/12 05:00 PM Re: Poll: CIP ID Banker Chick
AnnRoy Offline
Platinum Poster
AnnRoy
Joined: Jun 2002
Posts: 771
South
2 forms of id
2.3B assets
_________________________
CAMS

Return to Top
#1645306 - 01/03/12 05:26 PM Re: Poll: CIP ID Banker Chick
Happy84 Offline
New Poster
Happy84
Joined: Jun 2011
Posts: 6
Washington
2 Forms of ID 1B Assets

Return to Top
#1645307 - 01/03/12 05:14 PM Re: Poll: CIP ID Banker Chick
Kathleen O. Blanchard Offline

10K Club
Kathleen O. Blanchard
Joined: Dec 2000
Posts: 21,281
If someone says one form of ID ask if they are also running a non-documentary system.
_________________________
Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

Return to Top
#1645331 - 01/03/12 05:44 PM Re: Poll: CIP ID Banker Chick
rlcarey Online
10K Club
rlcarey
Joined: Jul 2001
Posts: 79,675
Galveston, TX
And ID's mean different things to different people. Some banks have primary - i.e., government issued photo ID's and secondary - i.e. SSN card, work ID, school ID, etc. (which are not really IDs at all).
_________________________
The opinions expressed here should not be construed to be those of my employer: PPDocs.com

Return to Top
#1645334 - 01/03/12 05:36 PM Re: Poll: CIP ID Banker Chick
BC78a Offline
Gold Star
BC78a
Joined: May 2006
Posts: 311
New York
1 form and yes we do additional non-documentary verification
_________________________
___
Just my opinion for what it is worth

Return to Top
#1645406 - 01/03/12 06:57 PM Re: Poll: CIP ID Banker Chick
J2C Offline
Diamond Poster
Joined: May 2004
Posts: 1,475
Big Brother knows and that's a...
We require one form of primary ID and an additional form of ID as secondary. $350 Mil.

Primary Identification:
-Valid state issued driver’s license
- Valid passport or U.S. Passport ID card
- Valid state issued ID card for example, non-driver photo ID card issued by DMV. (Sheriff’s ID cards are not acceptable).
- U.S. Government identification card (U.S. Armed Forces)

Secondary Identification (Not accepted in lieu of primary identification):
U.S. Government identification card (U.S. Armed Forces)
- Automobile registration
- Credit Card
- Union Card
- Local government ID card
- Original draft registration card.
- Local company identification card (company should be recognizable and reputable)
- Valid Green Card
Last edited by jennyfromthebloc; 01/03/12 06:57 PM.
_________________________
My opinion is mine only- not my employer's!


Return to Top
#1645419 - 01/03/12 06:50 PM Re: Poll: CIP ID J2C
Matt_B Offline
Diamond Poster
Matt_B
Joined: Sep 2011
Posts: 1,648
A CU, Where Regs Don't Apply
Originally Posted By: jennyfromthebloc
We require one form of primary ID and an additional form of ID as secondary. $350 Mil.

Primary Identification:
-Valid state issued driver’s license
- Valid passport or U.S. Passport ID card
- Valid state issued ID card for example, non-driver photo ID card issued by DMV. (Sheriff’s ID cards are not acceptable).
- U.S. Government identification card (U.S. Armed Forces)

Secondary Identification (Not accepted in lieu of primary identification):
U.S. Government identification card (U.S. Armed Forces)
- Automobile registration
- Credit Card
- Union Card
- Local government ID card
- Original draft registration card.
- Local company identification card (company should be recognizable and reputable)
- Valid Green Card


Pretty much identical, $250MM CU.
_________________________
Someone's about to get horned!

Return to Top
#1645510 - 01/03/12 08:13 PM Re: Poll: CIP ID Banker Chick
bethel41 Offline
Member
Joined: Oct 2008
Posts: 53
Midwest
2 forms--one primary, one secondary. Similar to what jennyfromthebloc said above. We also accept Medicare cards as primary if the customer is elderly.

$1B

Return to Top
#1645571 - 01/03/12 09:07 PM Re: Poll: CIP ID Banker Chick
Princess Romeo Offline

Power Poster
Princess Romeo
Joined: Jun 2001
Posts: 8,272
Where the heart is
Point of inquiry - what does your PCI compliance and Information Security program say about recording the complete number and expiration date of a credit card? Has anyone been busted on the PCI side for recording the card number?
_________________________
CRCM,CAMS
Regulations are a poor substitute for ethics.
Just sayin'

Return to Top
#1647305 - 01/06/12 04:40 PM Re: Poll: CIP ID Banker Chick
Jennifer Offline
Member
Joined: Jul 2009
Posts: 79
Pacific Northwest
$4.3B

We require at least one piece of primary identification which must be an unexpired, government-issued document that includes the client's place of residence or nationality and their photograph. Review of Supplemental Identification Documents may be required to complete ID verification, (Name, Address, Date of Birth, Taxpayer Identification Number).

We also do non-documentary verification.

Primary Identification Documents:
* Driver’s License (Standard Issue or Enhanced Issue) – cannot read “Not Valid for Identification”
* U.S. – States or Territories
* Canadian – Provinces or Territories
* State-issued Identification Card – cannot read “Not Valid for Identification”
* U.S. Military Identification Card
* U.S. Military Dependent Identification Card
* Passport [Any document used must be in English or a language familiar to an Officer and the document must be familiar to bank (or one which can be validated by approved resources).]
* U.S. Passport Card
* Permanent Resident Card
* Resident Alien Card
* Coast Guard-issued Identification Card
* Mexico Matricula Consular ID Card [Current Issue Only]
_________________________
The opinions expressed are mine and do not necessarily reflect those of my employer.

Return to Top
#1647486 - 01/06/12 07:16 PM Re: Poll: CIP ID Banker Chick
therring Offline
New Poster
therring
Joined: Dec 2011
Posts: 10
We require 1 primary ID - everything stated above (except for Matricula) and must be government issued, not expired, etc. We also may require supplementary information for address verification and Tax ID.

In addition we do non-documentary verification.

We are $600MM.

Return to Top
#1648040 - 01/09/12 05:19 PM Re: Poll: CIP ID Banker Chick
Banker57 Offline
Gold Star
Joined: Jul 2010
Posts: 439
Minnesota
I have an additional question. If you require one ID and the address on that ID differs from the account application, what is done to verify address?

Return to Top
#1648052 - 01/09/12 05:30 PM Re: Poll: CIP ID Banker Chick
BC78a Offline
Gold Star
BC78a
Joined: May 2006
Posts: 311
New York
We run a LexisNexis in addition to the id.

For address discrepancies, we will ask for a current utility bill that shows the claimed address.
_________________________
___
Just my opinion for what it is worth

Return to Top

Moderator:  Andy_Z