I was asked two questions regarding security at the drive-thru window and would like your input.
1) If a robber sends a note and/or shows a weapon at the drive-through window, does the teller follow the robbery protocol as a lobby robbery? (I said yes - just want to verify).
2) If a bomb is placed in the drive-through tube/drawer, do they send it back? What do they do? (I say don't move bomb; lock down the facility and evacuate. Call police. I don't know that there's any safe way to alert others in the drive-through.)
What is the latest industry standard concerning bait money? An auditor suggests we either eliminate it or use fewer bills. I don't see a reason to make any change.
We were thinking about purchasing Pepper Gel for our tellers, but we would wondering before we do; Is this becoming or is it an industry standard with bank security. If it is not, what are your thoughts on arming our employees with pepper spray should they encounter a violent customer intent on doing harm and can not be calmed down?
When opening an account with a rep payee, what is the correct way to title the account and who would be considered primary account holder?
Can the successor trustee use their name and Social Security number for titling with the trust name listed secondary? I have a copy of the appointment of successor trustee for my customer. She receives checks payable to her as successor trustee for the trust. Do I need the customer to obtain a TIN for the trust?
I am in the process of revising our teller procedures to include checking all non-customer transactions against the most current OFAC list. I am still not clear on the non-customer transactions that should be checked. Could you clarify that for me and also, cash and checks both? My understanding is that tellers need to check on the following: all negotiable instruments sold (cashiers checks, money orders, wires, bonds, travelers checks). What about non-customer cashing an on-us check?
I want to add something to my annual security training directed to management and the board. Do you have any suggestions?
We have a member who withdrew cash three weeks in a row, same branch different tellers. The withdrawals weren't over $10,000, but total of withdrawals is $18,000. Can we file a CTR as multiple transaction? The member is retired and was withdrawing some of his retirement funds.
We have three restaurants that are owned by the same individual, and each of the businesses has a cash deposit just about every day. Our operations manager wants our tellers to combine the cash deposits of the three companies for CTR filing, because the same individual benefits from deposits to all three accounts. Is that correct?
We perform security training at least annually to our bankers. We have separate loan production offices where mortgages are made. They don't participate in the training because they have no tellers, no vault, no cash. Are we OK with this?