| Authentication | Check Cashing | Paymens | MISC. |
|---|---|---|---|
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Determine if the client is able to verify additional account details or verify a signature card from another account/use ID to verify the name matches the business debit card.
When attempting to authenticate a small business client, you notice that the signature card is missing. What do you do?
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No.
Can a non BAC client cash an unemployment (State) check?
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Yes.
A client is making a check payment to his credit card. He presents a check payable to: Business Card. Can you accept this as a valid form of payment?
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April, 2013
What month/year was ATA founded?
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A client's name on the business debit card; appears on VTA.
What is an embossed name?
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Yes.
Per Reg CC, is a U.S. Treasury Check a non-holdable item?
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No. Clients can make a regular monthly payment within $50.00 of the amount (more or less) than the stated regular payment amount.
A client is making a regular mortgage payment of $700 via cash. The regular payment amount is $1200, but the client normally pays using checks. Will you be able to assist this client?
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Evelyn Lofton and Mike Breen
What is the full first and last name of our SLL and her reporting manager?
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False-You may never provide the debit card number, but may provide the account number after fully authenticating the client.
True or false. When requested by a client, you may provide the debit card number on his/her account, but not the account number.
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No. Trust accounts do not qualify as recourse accounts.
A BAC client, born in 1996, is attempting to cash his check that he received as a birthday gift. He recently experienced some fraudulent activity on his accounts and worked with a relationship manager to close/reopen some accounts. He currently has a trust account open. Can you assist him with this transaction?
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Refer the client to a financial center relationship manager during business hours or to the number on the back of their card.
Refer the client to a financial center relationship manager during business hours or to the number on the back of their card. A client is attempting to pay off the balance on his Credit Card and close the account. How do you proceed?
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Yes.
Using new AML guidelines, can we make 3rd party cash deposits to business accounts?
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Yes.
Your client is attempting to cash a $654.00 check and has been authenticated via card/pin. You receive a secondary-ID request. The client presents you with a U.S. Alien Registration Receipt Card. Can you accept as a valid secondary ID?
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No. When the client cashes an on-us check; they may use a credit only relationship (credit card, loan, mortgage) to prevent assessment of the non-relationship check cashing fee (NRC).
Will a BAC client be assessed a NRC fee if he/she is cashing a BOA check (no payee name listed on check) using a credit card account?
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1. Apologize for the confusion
2. Complete the transaction/educate properly on AML guidelines 3. File complaint if applicable
A client is attempting to make a cash payment to his wife's credit card. However, prior to starting the transaction they tell you that the previous agent refused to accept his cash payment due to new AML guidelines. How do you proceed?
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5 seconds or less, 190 seconds or less, 97%
What are ring time, CTI and availability goals?
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Manager discretion. Do not turn away Preferred client without speaking to a leader.
A long-time Preferred Client is attempting to cash her check. Her name is Jane Doe but recently got married and her new name is Jane Moe. Her husband is listed on the account and his name is Mike Moe. How can we authenticate this client/proceed with this transaction? What other means of authentication are there?
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You inform the client that you will be happy to assist them with the transaction. You will then ask the client to verbally disclose the account number listed on the check, use it to pull up the account and cash the check off of the account. You will NOT provide them a receipt as it will have an account balance.
A 3rd party client attempts to cash a petty cash check. They work for The Cleaners Inc. and inform you that they are cashing this check payable to Petty Cash. How do you proceed?You inform the client that you will be happy to assist them with the transaction. You will then ask the client to verbally disclose the account number listed on the check, use it to pull up the account and cash the check off of the account. You will NOT provide them a receipt as it will have an account balance.
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$0. Bank of America convenience checks are not acceptable for payment.
A client attempts to make a payment to her daughter's credit card account. She informs you that she is currently waiting for her new check book to arrive but has a Bank of America convenience check. She proceeds to ask you what is the maximum amount she can pay using a BOA convenience check?$0. Bank of America convenience checks are not acceptable for payment.
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Top2Box: 60%
CTI: 20% Quality: 20%
What does your scorecard consist of, and what are the weightings?
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