Generally, I tell them in every training session that I will interview them for SAR investigations, but I will NEVER tell them if a SAR was filed or not, for their protection. The one time I did have a SAR filing that resulted in a closure, the officer was very upset and felt that they didn't have the ability to defend the customer. I told them it was management's call and that the bank just couldn't take the risk associated with the type of activity going on in the acocunt hurting us during an exam. (I did not tell the officer about the SAR, just the decision to close the account) Fortunately for me, the next day we got serve with a GJS on that customer. The serving officer served it at that officer's branch. After that, he finally understood the severity of the issues and why we decided to close the relationship based on the activity.
You may not be as fortunate to have some "proof" for your officer, but feel free to use my story. The officer needs to understand that it's not about you or your department just wanting to toss customers, but that your department is trying to protect the bank from criticism and fines, and some of the bank's customers expose the bank a little too much for comfort.
You can also throw out there that had he been more helpful in the investigation, it may not have gotten to the point of closure in the first place (ie he could have called and gotten more info and offered some insight in to why the activity was legitimate and didn't warrant a SAR).
Last edited by Dani York, CRCM; 02/27/13 04:02 PM. Reason: Clarify that the officer did not know about the SAR just the closure decision
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I can't herd the cats anymore, so I just set up the electric fences and let them fry when they stray out of bounds.