1. Fraud Prevention

2. Objective By end of this training session, you’ll be able to:
Card Security features
Understand the card acceptance procedure
Behavior pattern of fraudulent customer
Handling of fraud customer on identification

3. Card Security Features
3D HOLOGRAM
The image of the Visa dove should seem 3-dimensional and appear to move when the card is tilted in the light. The last grouping of the embossed digits should extend into the hologram.
Card Security Features
PRE-PRINTED BIN
(Bank Identification Number)
The 4 digit number printed above or below the embossed account number must match the first 4 numbers of the embossed account number. The 4 digits are printed under the lamination and hence should not come off when scratched.
EXPIRY DATE or
VALID THRU
must check for the validity of the card before accepting
ACCOUNT NUMBER All Visa account numbers begin with a 4. The embossing should be clear and uniform in size and spacing.
SIGNATURE PANEL
The word VISA is printed in light blue or blue and gold at a 45 degree angle on a tamper evident panel. The word VOID
appears beneath the signature panel if it is tampered with. The card must be signed before it is valid. The signature on the panel must match that of the sales draft.

4. Card Acceptance Procedure
After examining the security features:
Swipe the card
Enter the correct amount
Wait for approval
Take customer’s signature and compare
The signature on charge slip with signatures on the card
Name on charge slip with name on card
Card number on charge slip with card number on card
The amount of sale
If all these match, then handover card and goods to the customer

5. Fraud Behavior Indicators
Customer carries unusual number of credit cards
Card presenter is in hurry or nervous
Makes purchases without regard to size, quality and price
Someone returning to store to make further purchases shortly after first purchase
Arrives at closing time
Has no identification
Orders goods by telephone and comes to collect

6. Contd.. Asks for transactions to be split
Requests transaction to be keyed, manually
Card presenter may not match the card
Pulls a credit card out of a pocket, not a wallet
Signs the sales draft slowly or awkwardly
If a group of youngsters one purchasing inside and one standing outside. Hurries you at quitting time

7. What to do if fraud is detected?
Contact your respective BDM/ASM
Inform the bank regarding the suspect

8. Thanks!!