泰兴农商银行：跨区域协作识破“提额走账”骗局

Core Insights - The successful interception of a potential fraud case was made possible due to prior collaborative training between two banks, enhancing their ability to respond quickly and effectively [1][4] Group 1: Training and Collaboration - In May, a joint anti-fraud training was organized by Taixing Rural Commercial Bank and Jingjiang Rural Commercial Bank, focusing on enhancing employees' skills in fraud detection [1][2] - The training included case studies and simulations, fostering a sense of camaraderie and establishing communication channels between employees of both banks [1][2] Group 2: Fraud Detection Incident - On July 21, a customer attempted to increase withdrawal and transfer limits at Taixing Rural Commercial Bank, prompting suspicion from the staff due to the customer's use of non-bank cards [2] - The operations supervisor recognized key phrases related to fraud from the training and noted suspicious behavior, leading to a quick communication with the Jingjiang branch [2][3] Group 3: Response and Resolution - The Jingjiang branch's operations supervisor acted promptly by checking the customer's transaction history, revealing multiple small transfers and a significant deposit, indicating potential fraud [3] - After confirming inconsistencies in the customer's explanations, local police were involved, leading to the customer's admission of being misled by a fraudulent scheme [3][4] - The incident highlighted the effectiveness of inter-bank collaboration in fraud prevention, showcasing the strength of financial institutions working together to protect customer assets [4]