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#2130083 - 05/11/17 03:07 PM Refused to give mother's maiden name
J_G Offline
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Posts: 224
Hi all. We had a signer on a business account refuse to give us his mother's maiden name during account opening. I know it's not required under the CIP, and he's technically not the "customer" under the CIP, but we have both in our policy. Do you think his refusal to provide this information is SAR worthy? It was certainly strange how he made a big deal about it and refused to provide it.

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#2130084 - 05/11/17 03:11 PM Re: Refused to give mother's maiden name J_G
BrianC Offline
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BrianC
Joined: Nov 2004
Posts: 6,275
Illinois
What crime do you suspect of being committed? It sounds like you have an identification requirement that this person felt was excessive and they let you know their feelings about it.
Last edited by BrianC; 05/11/17 03:11 PM.
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#2130088 - 05/11/17 03:26 PM Re: Refused to give mother's maiden name J_G
Daisy Doodle Offline
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Joined: Feb 2014
Posts: 1,030
Southern U.S.
I've never seen that required for CIP before. Maybe he uses that name for all his passwords and that's why he was upset at providing it. But if its in your policy....

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#2130090 - 05/11/17 03:29 PM Re: Refused to give mother's maiden name J_G
MollyM Offline
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Joined: Jul 2005
Posts: 112
Mississippi
So why is that required? For call-in verification purposes? Never heard of that one before. If it is the only allowed security question, maybe add choices ?
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#2130091 - 05/11/17 03:29 PM Re: Refused to give mother's maiden name J_G
RockChucker, CAMS Offline
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Joined: Jul 2013
Posts: 1,644
The Country
I have to agree with Brian. Requesting a mothers maiden name is done at the banks discretion. If your policy is too restrictive, you may want to revise your CIP to allow for this to be more of an optional item than a requirement.
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#2130097 - 05/11/17 03:44 PM Re: Refused to give mother's maiden name J_G
McFly Offline
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Joined: Nov 2016
Posts: 75
I'm not sure what category you would check if you were going to file the SAR.

If this is in your CIP policy, consider removing it and placing within procedures, so management has more options to waive when circumstances dictate.
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#2130100 - 05/11/17 03:55 PM Re: Refused to give mother's maiden name J_G
Dog Lady Offline
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Joined: Dec 2015
Posts: 74
What if they were an orphan?

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#2130120 - 05/11/17 05:06 PM Re: Refused to give mother's maiden name J_G
Queen Tut Offline
Junior Member
Joined: Aug 2015
Posts: 41
or had 2 father figures
or had 2 mother figures (which one would they provide)
times are a-changing

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#2130136 - 05/11/17 05:43 PM Re: Refused to give mother's maiden name J_G
MollyM Offline
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Joined: Jul 2005
Posts: 112
Mississippi
Only one woman gives birth to you and "unknown" could be an option ? Just trying to think outside the box.....
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“The strongest of all warriors are these two—Time and Patience.”

Leo Tolstoy
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#2130156 - 05/11/17 06:46 PM Re: Refused to give mother's maiden name J_G
rlcarey Online
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rlcarey
Joined: Jul 2001
Posts: 79,292
Galveston, TX
It is a bad choice anyway and I am not sure why anyone would dare to use that piece of information anymore. Give me five minutes on the internet and 10 minutes on ancestry.com and I bet I could tell you 50% of people's mother maiden name. If you are using that for any type of security purposes, I think that needs some serious reconsideration.
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