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.
Storyboard Text
- 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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