Bank issued cashier's check payable to Jane Doe. Remitter was Suzy Smith. Check was presented at another bank, and we paid it 4/21.
We now have issues with Suzy Smith, believing, among other things, that she has deposited fraudulent items. Her account is overdrawn. A number of items drawn on the account over the last few months are checks cashed at other institutions. We are suspicious that this item was not actually paid to Jane Doe, but really was cashed by Suzy Smith. It was not endorsed.
Do we have three years to return this item for missing indorsement?