11/03/2008
What individual risk assessments is a bank expected to perform? How do the individual risk assessments fit together with an "enterprise risk assessment"?
04/28/2008
We are getting ready to launch electronic statements. We want to test it on employees first. Since employees get their accounts for free, management wants to require that they all get e-statements. Is this permissible?
03/19/2007
When paying by Credit Card, (not debit card) at [Pharmacy Store Name Withheld] in San Diego the clerk said the management tells them "they DO NOT need to view the ID of the purchaser. They have an agreement with the credit card company." Is this possible? There are actually lots of places where no one checks ID on signed transactions. How can we start a campaign to make the merchants more responsible? Obviously they know the banks will take the loss no matter what they do.
01/15/2007
We would like to look into using E-signatures with online applications to open accounts. Does anyone have any suggestions as to where to look for information on the requirements?
11/20/2006
Does it matter if you "report" error resolution investigation findings, provided that an error did occur, to the customer via phone or mail?
10/02/2006
We feel that our network is very secure against attacks that originate on the Internet. Are there other areas about which we should be concerned?
08/14/2006
We feel that our network is very secure against attacks that originate on the Internet. Are there other areas about which we should be concerned?
07/31/2006
Can we issue debit cards to savings account holders? The account will not be a transactional account. We would only allow pinned transactions on these cards.
07/31/2006
Is there a rule that indicates how long an institution has to post a POS transaction to an account? For example, an account audit identified a transaction that never posted to a client's account. The original authorization date was 01/01/2005. If the account is open, can the transaction be posted or does the institution have to charge it off? Will this rule cover closed accounts?
07/10/2006
I've heard that IT examinations are much more rigorous these days. What are some general tips for surviving our next IT examination?