Teller cashed 2 on us checks for non-customer - did not get SSN. Bank called our customer and he says he did not have it either. Branch wants to file a SAR on both people on the thought that the non-customer may be illegal and the employer should have the SSN before employing this person. Non-customer was not asked for it - teller error. Opinions? Thoughts?

I don't think that your customer is obligated to provide this information to you whether they have it or not. If it was me, I would ask the employer to have their employee call us so that we could comply with our CTR requirements, then deal with the fact that you may have to file an incomplete CTR.

You may be on to something, but it feels like a leap to me. I wouldn't file a SAR.