The Transactional Risk & Fraud Prevention (TR&FP) department’s main role is to protect the client and the Bank from financial loss. More specifically, they prevent and mitigate fraud, or if it has already occurred, identify and mitigate further losses due to fraud for all clients of Capital City Bank. They are experts who assist our associates with preventing fraud and help clients with scams. TR&FP’s fraud-prevention efforts are Bank-wide and involve cooperating with several different departments.
E-mail TR&FP or contact a specific TR&FP associate.
Learn more about the ways Transactional Risk & Fraud assists our clients:
Error Resolution Disputes – Unauthorized Electronic Transaction
- Dispute letters: provisional credit, final credit, delay of final credit, and denial
- Dispute on behalf of the client: defective or dissatisfied with merchandise, and similar
- Posting credits/debits to accounts
- Refund fees due to dispute
Service Level: Reg E mandated
Debit Card Transaction Monitoring
- Warm or Hot debit card until out-of-the-norm transaction(s) can be confirmed.
- Listing of cards sent to Client Service Center for client notification and confirmation.
Service Level: Same day
REDi Debit Card Rules – Block Transactions
- Establish rules to block transactions based on current debit card fraud trends.
- Establish rules based on velocity within a given time period by merchant and/or location.
Service Level: On demand
Synapsys Events – Maintenance Input
- Debit Card (DC) Forced Authorization: client contacted by phone.
- DC Transaction Exception
- DC PIN Reset
- DC Travel
- Forgeries: credit account and complete investigation with client.
Service Level: Within 30 minutes
Zelle® Transaction Fraud Monitoring
- Contact client by phone.
- Suspend service until suspected transaction(s) can be confirmed.
- Credit client if confirmed fraud.
Service Level: Immediate
Yellow Hammer/Fraud Detective – Unusual Activity Review
- Freeze and message account if analyst suspects fraud.
- Contact client by phone or have office associate contact client.
- If fraud is confirmed, account closure procedures are followed.
- Place hold on deposit and mail hold notice to client, if determined necessary.
Service Level: Same day
Mobile Deposits
- Review and approve deposits: Once approved, client receives auto approval email notification.
- Place hold on deposit and email hold notification to client, if determined necessary.
Service Level: Completed by 9:00PM
SATM Deposits
- Place hold on deposit and mail hold notice to client, if determined necessary.
Service Level: Completed by 10:00PM
Red Flags
- Place alert message on account and provide client with ID protection links.
Service Level: Immediate
Online Bill Pay
- Contact client to confirm out-of-the-norm Bill Pay transactions.
- If unable to contact client, Bill Pay is canceled.
Service Level: Same day
Chargeback Monitoring
- Place alert message to place extended hold on account if it is determined that client has excessive chargebacks, same deposited items are being returned, or return was due to fraud.
Service Level: Same day
Q2 – Bank Online Suspect Transactions
- Review and approve transactions placed on hold due to out-of-norm transaction.
- If unable to approve, an e-mail is sent to eBanking to contact client for approval.
Service Level: Same day
Deposit Fraud
- Client contacted if account activity indicates possibility of financial elder abuse, romance, or any other type of money scam.
- Freeze account until investigation can be completed.
- Law enforcement contacted for wellness and/or to gather evidence of scam, when necessary.
Service Level: Same-day client contact
Suspected Wire Transactions
- Contact client to confirm unusual incoming and outgoing wire transfers.
- If fraud is confirmed, wire is either sent back or recall request is submitted.
- Place hold if necessary; if fraud is confirmed, account closure procedures are followed.
Service Level: Same day
Monitor Incoming Employment and Small Business Administration (SBA) Deposits
- Review deposits for mismatch name, multiple deposits, state sending benefit does not match client’s address, and/or large-dollar deposits.
- Place hold if fraud is suspected until the deposit(s) is validated.
- Return deposits if fraud is determined.
- If applicable account closed, client sent same-day or 10-day closing letter.
Service Level: Same day
Fraud Alerts
- Work with Marketing to post alerts on Capital City Bank Group (CCBG) website, Online Banking site, and Facebook on current fraud trends.
- Work with Treasury Management for special fraud alerts to Cash Management clients.
Service Level: As needed
Incoming and Outgoing Collections – Counterfeit or Unauthorized Items
- Credit or debit client
- Mail client copies of check(s) to account
Service Level: Within 5 days
Important, Related Links:
- Detecting Red Flags – red flag: a pattern, practice, or specific activity that indicates the possible existence of identity theft
- Completing and Sending the Red Flag Form – if you have identified one or more red flags
- Unusual Activity Referal (UAR) – required when handling a transaction that appears suspicious
- Handling Identity Theft – when a client reports that their identity has been stolen
- Reporting Abuse, Neglect, or Exploitation – promptly contact TR&FP if you believe you have detected abuse, neglect, or exploitation of or by clients
View Transactional Risk & Fraud Prevention's public documents on netinterest.
Job Positions
- Financial Crimes Analyst I
- Financial Crimes Analyst II
- Financial Crimes Analyst Team Lead
- Assistant Manager
- Transactional Risk & Fraud Prevention Manager