"Sharp sword" came out to see how the bank saw through the true face of the "boss"
Recently, a customer hurriedly walked into a branch of the Xining branch of CITIC Bank, claiming that he was the boss of a certain company and needed to unfreeze a bank card that was already under control because of an urgent payment for goods.
When the teller checked the identity of the customer and found that the customer was on the list of high-risk personnel of the public security organ, he immediately started the risk incident handling process, and the accounting manager pacified the customer and dialed 110 to call the police.
From the time the police received the police to the branch, the teller always calmly communicated with the customer. The customer was not aware of the "abnormality" at all. After the police rushed to the branch to verify the situation, the customer was taken away.
It was learned that the customer was suspected of reselling bank cards and committing financial crimes. What awaits him will be severe punishment by law.
In recent years, in order to better prevent financial crimes related to telecommunications network fraud, the People’s Bank of China and public security agencies in various places have released risk account characteristics in a timely manner and shared account data involved in the case. China CITIC Bank has strengthened propaganda and organized front-line employees to practice "hot eyes." , The counter interception of risk incidents has achieved gratifying results.
At the same time, how to make the risk prevention and control "resources" such as the risk events intercepted by a single branch or a single counter and localized data involved play a greater role has been an important subject that CITIC Bank is actively exploring.
In June 2020, China CITIC Bank launched a branch risk information management system, which covers all aspects of risk event registration, case list import, bank-wide information sharing, real-time triggering of early warning and other functions. It fully shares the data and information of the People’s Bank of China and the public security organs, and will The control becomes the joint defense of the whole bank, and a risk control network spanning time and space is established to provide a digital risk control "sword" for scientific judgment, effective handling, and precise interception of branch personnel.
Since the launch of the system, CITIC Bank has blocked more than 100,000 risky cases at the counter, and assisted the public security organs in arresting more than 200 persons involved, which has been highly affirmed by the People's Bank of China and public security organs in many places.
In addition, China CITIC Bank has continued to optimize the system monitoring model, strengthened the pre-assessment and in-process control of business risks, and continuously improved the professionalism of employees in identifying fraud and fraud, so as not to let a suspicious business or abnormal "customer" become a fish in the net. Hold the "money bag" of the people tightly.
In the future, China CITIC Bank will continue to strictly implement the "six stability" and "six guarantees" tasks of the Party Central Committee and the State Council, take "guarding financial security" as its own responsibility, give full play to the advantages of information sharing and prevention and control interaction, and extend the empowerment of joint prevention and control of risks Tentacle, and actively fulfill the social responsibility of "anti-fraud and refusal to gambling, safe payment".