Team C.R.E.A.M. August 2025

When working transactions we follow the defer limits based off of:

• Classification of the check

• Check type when looking at the check

• Banner color

There are two different defer limit guides one for ET one for NT

• True

• False

What is the new fraud ring that showed and hit up in June?

• MDC FR

• CA FR

• USPS

• No FR hits in June

In NT a check for $2634 payroll hand-written new maker, repeat payee, no red flags, payee has many cleared in history, what would be the best decision for this check if this is a first-time maker?

• Decline for not within defer limits nmc

• Use token for a good defer

• Defer it’s within defer limits

• Decline for unusual amount for maker

Maker verification is only required for transactions over $500.

• True

• False

Do you have to complete all tasks on all tickets?

• Yes, every ticket

• No, you do not complete any when you are declining

• No, you only must complete all tasks when you are approving or deferring

• You only complete tasks in declines

What is the top missed issue for preventable returns?

In ET a check for $3751 payroll hand-written known maker, repeat payee, no red flags, payee has many cleared with maker, what would be the best decision for this check if this is one of the higher amounts?

• Decline for not within defer limits nmc

• Use token for a good defer

• Defer it’s within defer limits

• Decline for unusual amount for maker

We have to always attempt maker contact before we decline for NMC reason?

• Sometimes, it depends

• Yes

• No

What are some red flags in a payee lineup?

• Declines

• Suspicious memos

• Kiting

• High frequency