Known/Normal

When we are assisting an unknown customer who presents a transaction what steps do we take to validate them before we proceed with the transaction.

• ABE - Authenticate Blacklight ID Endorsement

• ABT - Authenticate, Blacklight ID, Transaction History

• ELA - Endorsement, Location, Authenticate

When validating an unusual Transaction what steps do you take in addition to the validation of the customer (if required)

• QLS - Questions Location Signature

• QAL - Questions Authorized Location

• QTL - Questions Transaction history Location

Sally Smith comes into the branch with her usual Payroll check, she has $256.87 in her account and wants to do her usual. Taking $300 of the check and deposit the rest into her account. What type of customer/transaction would we classify this as?

• Deposit

• Normal

• Known

• Unusual

List the 3 aspects of Known by Comerica's definition.

List one aspect of Normal by Comerica's definition.

When validating a customer doing a withdraw. You notice when you blacklight their ID the ID blacklight image is missing and their endorsement is off. But they are able to give answers for the identifying questions that are asked of them. Please select what would be an appropriate response?

• Involve Platform.

• Call Fraud.

• Refuse the transaction.

• Process the transaction without further thought.

Johnny comes into the branch with his first payroll check at his new job and wants to put it into his checking account he opened online a month ago. He wants to deposit it because he thinks he has an auto debit coming out for his CC the next day, and doesn't want to overdraw his account for the first time.

Is Johnny a Known customer? Yes or No?

If you are uncomfortable after attempting to validate a transaction - platform is also unsure about the transaction - and you still are trying to validate the transaction - what should be your next step?