We have made a New Account Scoring Form, that the customer service reps fill out when a new customer opens and account. There is a box to check if ChexSystems was run and if not, why. Also space for their ID (type and number), what they are opening the account with (cash, wire, payroll check, official check, direct deposit, etc), and whether at they were at their address or job for more than a year. These answers are listed under a low risk or high risk heading. If high risk, a branch manager OK is required to open the account. There is also space to note verification of address and employment through phone book and phone calls.
These are scanned into our optical storage, with the hard copy run by my desk to check for any usual situations.
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