Money Laundering Scenario
Storyboard Description
Customer depositing cash from unknown source and occupation does not match their bank deposit activity. Testing transaction with customer resulted in suspicious activity.
Texte du Storyboard
- Hello. I wanted to deposit this cash into my checking account please. Thank you.
- Fres National Bank
- I'd be glad to help you with that request.
- Good Morning Mr. Smith, how may I help you?
- Thank you very much. Have a nice day.
- Fres National Bank
- So I have applied the funds into your checking account. Is there anything else I can help you with?
- VERAFINCustomer: Jane SmithOccupation: TeacherAge: 46Address: 123 W. Indio San Benito, TX 78586
- Account Activity:1/1/20 Cash: 2001/1/20 Payroll: 1,2001/6/20 Check: 5002/1/20 Cash: 2002/1/20 Payroll: 1,200
- VERAFINCustomer: John SmithOccupation: RetiredAge: 78Address: 123 W. Indio McAllen, TX 78501
- Account Activity:1/1/20 Cash: 1,0001/1/20 SSA: 1,2001/6/20 FBPAY: 1,0002/1/20 Cash: 1,2002/1/20 SSA: 1,2002/6/20 FBPAY: 1,000
- VERAFINCustomer: Jane SmithOccupation: TeacherAge: 46Address: 123 W. Indio San Benito, TX 78586
- Account Activity:1/1/20 Cash: 2001/1/20 Payroll: 1,2001/6/20 Check: 5002/1/20 Cash: 2002/1/20 Payroll: 1,200
- Lea: Hey Tom do you think it's odd for a retired 78 year old teacher to be receiving $1,200 in cash and sending out funds right after via FB cash app?Tom: Pretty odd...we should ask the branch if they know more.
- VERAFINCustomer: John SmithOccupation: RetiredAge: 78Address: 123 W. Indio McAllen, TX 78501
- Account Activity:1/1/20 Cash: 1,0001/1/20 SSA: 1,2001/6/20 FBPAY: 1,0002/1/20 Cash: 1,2002/1/20 SSA: 1,2002/6/20 FBPAY: 1,000
- VERAFINCustomer: John SmithOccupation: RetiredAge: 78Address: 123 W. Indio McAllen, TX 78501
- Lea: Hi JaneJane: Hi LeaLea: Jane we are noticing John Smith making some cash deposits and sending them out via ACH FBPAY. Do you know if he's doing a side hobby that justifies the cash? Jane: As far as I know John is retired and isn't working at the moment. Let me give him a call to see if his employment status has changed.
- Account Activity:1/1/20 Cash: 1,0001/1/20 SSA: 1,2001/6/20 FBPAY: 1,0002/1/20 Cash: 1,2002/1/20 SSA: 1,2002/6/20 FBPAY: 1,000
- Jane: Hi John, this is Jane from FNB. John we noticed you are making cash deposits and wanted to give you a friendly call to see if there have been any changes in your occupation so we can have you drop in to make these updates to your account.
- John: Hi Jane. Actually the cash belongs to a buddy of mine. He needed to send some money to his family in Nigeria. So I thought I'd help by lending my account and he uses Facebook to send the money.
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