Bank Employees

never-in-doubt

crispy_chris wrote: »

Well thats true, theres no specific fraudster mind out there, but there are loads of fascinating tricks out there that they try to use. Any possible loophole will be exploited, so attempting to stay ahead of the curve was interesting.

Not quite sure what you mean by brainwashed by the bank and not quite sure what you mean by "customers do not usually have that much about them to get away with fraud" either! I don't think I'm brainwashed by them though

But I've left there now, moved to online management, so I (try to) make the websites look pretty

Aha, that makes sense and yea, I agree with what you're saying..... the biggest fraud that a customer could get away with was using deceased names or simply trying to open accounts using false names/documents - that is still easy now.

I could quite easily go get several cards/loans using false details and renegade the debt, knowing the systems and FPA's helps, for instance a lot of people don't realise about N Hunter and the Applicant Refer marker (i.e. stay the hell away) :rotfl:

Point is, if you've dealt in fraud for long enough you can succumbe to it just as easy! I once seen a member of staff syphon off 1p gross interest from 1,000,000 accounts - now as the trigger point used to be around the 110 transaction mark, making so many deposits into one account would go unmissed as ultimately the 1p was below floor limit ergo the bank would never be able to really spot anything untoward - however the introduction of various Experian packages, put paid to that also when I got involved the first thing I done was reduce limit trabsactions to 0.5p @ 50 transaction meaning any 50 transactions of 0.5p (so each and every one) would always be referred to fraud for manual processing..

As I say internal fraud was far superior to the external fraudsters being the staff "thought" they knew more about internal systems, such shennanigans as setting up accounts for mates (false documents etc) then keeping for yourself to pay money into etc.... i've seen it all.

best one ever was staff short changing customers, I mean say you went in and withdrew £100, the cashier would hand you £90 and pocket the £10 - as you'd have left the bank you cannot claim that you were short changed so you'd get told tough or they would refund as gesture of goodwill.....

Basically easy money to staff.....

See, I could go on for hours.... seen most frauds, stopped most frauds and learned from some fascinating IT boffins - i.e. if you really want to get a million, its not that hard to get it - if you are a floor manager in any high street bank!

Websites look ok on Lloyds and barclays so is it one of them? PM if you prefer, i'll not slate you or mention it - lol. Its handy to know.....

Fitzer2000

Just bumping this up!

handyman123_2

Fitzer2000 wrote: »

Just bumping this up!

Bumping this up again!

InDeepDebt

I work for a bank. Not going to say which one though but it's not a customer facing role (IT computer programmer).

Question - is the poll anonymous; when I select the option, can others see what I've chosen or not?

With me being in debt, I have to be careful with my employer. Unfortunately my pro-rata payments aren't quite pro-rata but are biased towards debts with my employer so that I don't get a default which would be bad. Unfortunately another creditor (Halifax - spit) are insisting that I use a Debt management company for my DMP. Unfortunately, in my (our) initial meeting with the CAB they said that they would write to ALL our creditors - what a mess!! It may come to us having to find extra to pay the Halifax the full amount until we can pay off the creditor that is also my employer (will take two years).

Jim

Nargleblast

Many moons ago I worked for a top UK bank. When I first started things were very service-orientated, but then, in the late 70s/early 80s the whole focus shifted to selling products. We were given targets to achieve - so many personal loans or credit cards to sell in a month, and the branch that achieved the most got some kind of reward. Anyone who walked through the door to cash a cheque or pay something in - you had to try and sell them something, it got that pressured. We looked through lists of customers with lots of money languishing in deposit accounts or sitting on current accounts, and wrote to them suggesting they transfer funds to a savings account with a better interest rate. If someone wanted to order foreign currency you were expected to flog them travel insurance and a credit card as well. That was a change in banking definitely for the worse!

Nargleblast

I've just remembered a colleague who was done for fraud - on the face of it, a seemingly upright and honest person. However, she was in a position where she could siphon off funds from an internal systems account, and she did so over quite a long period of time before being caught. She did time for it, but did some training whilst inside and went into a completely new career on her release. I hope she is doing ok wherever she is. Why do I wish her well? It seems that she and her OH were heavily in debt with loans and credit cards, couldn't meet their monthly commitments, and the pressure of the debt situation made her break the law. Let me hear you all say now....there, but for the grace of God....

Nargleblast

Further to my post yesterday, I am not in any way condoning what this person did, but I can understand what depths of despair and worry she must have been in to do something like that. Maybe if this site had been up and running then, she would have got the help she needed.

Fitzer2000

Just bumping this back up!