Bio:
Brian Crow is Executive Vice President at Thomas Compliance Associates, Inc. in Chicago, IL. Brian brings 20 years of prior banking experience to the consulting field. He was most recently Assistant Vice President and BSA Administrator for a suburban Chicago bank, where his responsibilities included preparing the bank's annual BSA risk assessment and audit documentation. Earlier as Operations Officer at the same bank, Brian monitored AML activity, aided in the implementation of the bank's AML software, and designed the bank's authentication blocking program that helped to reduce debit card fraud losses by 95 percent. Brian's responsibilities also included managing the bank's Regulation E claims, managing the bank's courtesy overdraft program, reviewing Reg CC hold notices for accuracy, and processing claims for fraudulent signatures and endorsements.
Mr. Crow has been, and continues to be, an education consultant for BOL Learning Connect, conducting webinars that have covered VISA/MasterCard chargebacks, debit card compliance and fraud prevention for hundreds of banks. It was in this role that Mr. Crow was recognized as a Bankers Online Guru in 2011.
Like many of us, Mr. Crow began his banking career as a teller, working his way up to head teller and then branch management responsibilities. He earned a B.A. degree in Theology from Concordia University, River Forest, Illinois. Because of his education background, Brian has been given the unofficial title of "Security Evangelist" as he strives to help financial institutions protect their bottom line from losses related to fraud.
See all Upcoming and On-Demand training presented by Brian.
Questions Answered
05/28/2012
Can a business customer file unauthorized charges on a point of sale? If so, within what time frame? Our bank only has one BIN for our debit cards, so our business cards are not under a separate business BIN.
05/28/2012
We know we can't discriminate on doing cash advances for non-customers. Are we obligated to do advances on the H and R Block Mastercard refunds? They don't even have a card owner name on them and could be a large liability for banks.
05/28/2012
We have a joint account (mother/daughter) who have a customer who just filed an Affidavit of Unauthorized Activity for 82 ATM withdraws out of NY, NY dating all the way back to April 2011. The daughter is in NY and the mother gets the statements. The mother does review the statements monthly but never questioned the ATM withdrawals due to the small amounts of each. Now 8 months later, she is claiming they are fraudulent and wants the money back. What regulations/rules apply here and how much money, if any, do we have to give her back. I say that it is gross negligence on the mother’s part and she should be entitled to nothing. Any insights? My FI is located in New Jersey.
05/21/2012
In a Family trust, is the successor trustee acknowledged as the POD of the trust? Does this need to be stated within the trust?
05/14/2012
I am currently going through a review of ATM/REG E procedures with our internal Compliance dept. They are requesting that we apply interest to disputed REG E amounts because of the Deposit Compliance Program. I have not heard of having to apply interest to disputed REG E transactions. Should we be applying interest on transactions that are disputed under REG E?
05/14/2012
What are the purposes of custodial accounts and what different types are there?
05/14/2012
I have tried to contact both Mastercard and Visa and I still don't know. Can I charge a fee for processing a non-customer's cash advance from their credit card?
05/14/2012
If a Final Credit is given to a customer for an Unauthorized Debit Card Transaction, but later the merchant also reverses the debit (or gives a credit), can the bank send another letter to the customer explaining since they got the credit twice, we are taking our Final Credit Back?
05/07/2012
We have a customer that is highly disabled and unable to take care of herself without outside help. She needed cash and gave her ATM card to this person along with the PIN so that she could get cash. The helper withdrew unauthorized additional funds. Our customer filed dispute with us. My questions are we released from giving her funds back since she gave the PIN? Also, can we make her file a police report and press charges against the person or we'll withhold her funds?
05/07/2012
We wanted to place a CBC hold on a large check. We did not want to hold the funds for 7 days as would be for an exception hold. Is there an amount limit for case by case holds?
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