Independent Banker - April 2017 - 69

schemes and the right technology.
Several government agencies are
tasked with developing new security
features to stay ahead of criminals'
duplication capabilities. The Secret
Service, Federal Reserve and Treasury
Department continuously monitor
threats for each denomination and
redesign currency based on those
threats. The most recently redesigned
note was the $100, issued in 2013 with
enhanced security, including a thread
printed with " USA " and the number
100 in an alternating pattern, visible
from both sides, that glows when hit
with UV light.
Get in early
Barry Thompson, a community
banker turned security trainer, says
banks must start by teaching new
employees the specific details of
texture, watermarks, microprinting
and color-shifting ink on all the
denominations. " The most important
time to teach somebody about counterfeit
currency is in the first 90 days,
when the teller or frontline person
is touching or dealing with cash, "
says Thompson, managing partner
" I always recommend
you have [ultraviolet
detectors], because fake
bills show up under UV
light in a second. "
-BARRY THOMPSON,
THOMPSON CONSULTING GROUP
at Thompson Consulting Group.
" Retrain them again when a new bill
comes out. "
Thompson says due to teller training
and counterfeit-detecting ATMs,
the main gateway for counterfeit bills
is through merchant deposits. He
recommends banks offer education to
their business customers, who often
rely on cashiers' use of detection
pens. The pens can detect starch in
common paper, such as photocopier
paper, but can't detect more sophisticated
fakes, such as when a $100
bill is printed on a washed one-dollar
bill. He notes that banks also can train
merchant customers to stop other
common frauds such as debit card
and checking fraud.
Fraud down by a third
After Choice Financial Group
enhanced its counterfeit and fraud
programs, fraud fell 35 percent in
2016 compared with the previous
year. The fraud program at Choice
includes new hire training, BSA
(Bank Secrecy Act) online courses,
a monthly teller meeting where
fraud is a regular agenda item, and
______________________

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Independent Banker - April 2017

Table of Contents for the Digital Edition of Independent Banker - April 2017

Table of Contents
Independent Banker - April 2017 - Intro
Independent Banker - April 2017 - Cover1
Independent Banker - April 2017 - Cover2
Independent Banker - April 2017 - Table of Contents
Independent Banker - April 2017 - 2
Independent Banker - April 2017 - 3
Independent Banker - April 2017 - 4
Independent Banker - April 2017 - 5
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Independent Banker - April 2017 - Cover3
Independent Banker - April 2017 - Cover4
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