Posted By: Craney
Drive-thru CTR - 08/10/21 02:25 PM
Customer drops off a sealed envelop with $12,000 cash and a deposit slip through the drive-thru and drives off before being able to obtain any information or waiting for the receipt. I know this is similar to what would happen with a night drop, but this was at 3 in the afternoon. My thoughts would be to treat is as the owner of the account did the deposit on own behalf, but we don't know for 100% certain that it was the owner that made the deposit. Am I correct in my assumption, or would we go ahead and mark Night Drop for the CTR? Thanks in advance!
Posted By: Skittles
Re: Drive-thru CTR - 08/10/21 02:34 PM
Do you have security film to confirm it was your customer?
Posted By: Craney
Re: Drive-thru CTR - 08/10/21 02:36 PM
I'm not sure, the branch stated it was our customer.
Posted By: Skittles
Re: Drive-thru CTR - 08/10/21 03:47 PM
If the branch saw and 'has knowledge' it was your customer then that's how I would complete the CTR. I would not say it was a night drop.
Posted By: Craney
Re: Drive-thru CTR - 08/10/21 05:46 PM
Thank you!! That was kind of what my thoughts were on the situation.
Posted By: MNCompliance
Re: Drive-thru CTR - 08/10/21 05:57 PM
I would not say it was a night drop. I would make the teller contact the customer to determine who did the transactions. I feel in this situation, we should have determine who conducted the transaction.