Banks Face Hurdle in Verifying Customer Information|銀行防制洗錢 電詢個資易被認詐騙
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The Financial Supervisory Commission recently fined 16 banks for deficiencies in their anti-money laundering actions. Some of the banks are now re-collecting the personal information of its customers in a more thorough way. However, members of the public say they won't answer honestly if they receive telephone calls from banks because they are afraid of phone fraud.
What is the name on your account, your national identification number, and the mobile phone number you registered with?
A bank employee verifies information with a customer to ensure the person on the line is in fact the bank account holder. The Bank of Taiwan says verifying the personal information of its depositors is part of its SOP. Some banks recently began calling customers to ask for their personal information after the Financial Supervisory Commission determined they were not doing enough to prevent money laundering and ordered them to make improvements. However, most of the public say they won't answer honestly because they are afraid the callers may be from fraud rings.
I won't tell them anything, because I'm afraid they may be from a fraud ring and trying to collect your personal information.
Some state-owned banks say it's sufficient to just accomplish "know your customer" for money laundering prevention. As such, they will just verify the identities of the customers who come to their counters because making telephone calls is not that effective.
We will personally verify their identities on the scene when they come in. We will verify identities based on the identification documents they have with them. There's no way to verify identifies over the phone.
However, the Trust Association of R.O.C. says it's not enough to verify identities of customers at counters, because there have been previous cases of people using altered identification documents to steal the personal information of account holders and use accounts for money laundering.
Sometimes even fake national identification cards can look real. Sometimes you can use telephone verification to prevent these situations.
It will be hard for banks to verify the personal information of customers through telephone calls when phone fraud is so rampant in Taiwan and the public is so mistrustful. Some banks say if phone calls don't do the job, they will turn to letters or emails to contact customers and verify personal information. If customers remain suspicious, they will be asked to come into the banks and verify their information in person.
