Overview: Fraud Block Lists

Block Lists create a centralized place to see and stop activity based on patterns the credit union sees as risky or potentially fraudulent. In addition, by using an infrastructure independent from membership and other key data tables, Block Lists give us maximum flexibility to add and alter block list options, without a large ripple effect when we expand the lists.

Related Resources

• Fraud Block Lists Supplemental Guide

• Frequently Asked Questions in the Answer Book about Fraud Block Lists

• Tables Used by Fraud Block Lists

A Centralized Location for Block Lists

Access a centralized location for all Block Lists and are using Tool #892 Update Fraud Alert/Blocked Persons List.  Here you will access all the new block lists and log member accounts where you’ve seen fraud in the past. Your Auditors can access a Block List Database Inquiry, too, accessed from Tool #1892 View Fraud Alert/Blocked Persons List. (NOTE:  The Transaction Attribute Denial entries are not included in the Inquiry version.)

Single Channel Denial of Service Block

Single channel denial of service block lists simply stop a member (SSN/TIN) from enrolling or using a particular feature or service altogether. Where the employee will see the block warning is linked to below.

• Prevent a person from opening a new membership, from you adding a non-member record, or from opening a pre-membership loan with the new membership fraud block list. (This one includes an override function. Here you can enter a SSN/TIN with or without a name. If the person's name used is not an exact match to the name in the block list, but the system detects a partial match to some of the characters, the user can view the list for comments and perform an override if needed.)  This block also prevents a person from adding a member or non-member as a secondary owner and prevents a credit union from approving an online membership application.

• Stop members from enrolling in bill pay, Person to Person (P2P) with the bill pay and P2P fraud block list, or online/mobile banking with the online mobile fraud block list. (All bill pay and P2P vendors are supported.) Block a member from making incoming or outgoing wire transfers with the incoming wire transfer fraud block list and outgoing wire transfer fraud block list, and block a member from ordering an ATM, debit, or credit card with the plastics fraud block list.  For these lists you match an SSN/TIN to an existing membership.

• The lending fraud block list presents a warning to loan officers when a loan application is submitted by one of the blocked members as an online loan application or for one of the blocked members created in CU*BASE by an employee.  (TIP: The lending block list file can also be included in a Query in order to exclude these members from self-service lending products such as 1Click Offers.) For this list you match an SSN/TIN to an existing membership. 

Multi-Channel Transaction Attribute Block

Multi-channel transaction attribute blocks are based on a particular data element and will stop specific transactions from occurring across various delivery channels. Where the country or pay to information is entered that will be run through the scan is linked to below.  

• The Country fraud block list prevents an account from posting an outgoing wire transfer if a blocked country name is used. This block scan is run after the OFAC scan.

• The Pay to Name fraud block list prevents an account from posting Accounts Payable Quick Checks, miscellaneous credit union checks, checks issued by teller (or by Phone Operator, money orders, Loan disbursement checks, and wire transfers (outgoing only), whenever the Pay To name matches an item in the block list.   

• These block scans includes an override function. If the Pay To Name or Country is a match or partial match to the name in the block list, the user will see a Suspect warning message.  The user can view the list for comments and perform an override if needed.  (Overrides are written to CUFMAINT.)  My “pay to” name that I am running against a fraud list has a common word, for example LLC, Co., Inc., Incorporated, or Company. What should I enter in the Pay to line?  Refer to the FAQ below for more information on entering a name in the Pay to Name line.

Frequently Asked Questions (FAQ) about Block Lists

Below are some questions about block lists.  Click the question to view the answer in the Answer Book.

• How do I access all the fraud block lists in CU*BASE?

• How is a denial of service fraud block list different than a transaction attribute fraud block list?

• Can and should I add a person or organization to multiple block lists at the same time?

• How do I remove a person or organization from a fraud block list?

• What can be denied with a “denial of service” or “transaction attribute” fraud block list?

• How can I tell if a member is on more than one fraud block list?  For example, I may want to remove a membership from all block lists.

• Does the Fraud Block List Inquiry list the transaction attribute block list entries in addition to entries on service denial block lists?

• What are the rules for making an entry on a denial of service fraud block list (that is not the new membership fraud list)?

• How are the rules for making an entry on the new membership denial of service fraud block list different than the rules for the other service denial fraud block lists?

• How does the new membership denial of service fraud block list work?  Is the employee blocked from opening a new membership for the member?  What happens when a match is made to an entry on the new membership denial of service fraud block list?  

• How does the bill pay denial of service fraud block list work? Is an employee blocked from enrolling a member in bill pay? Does the member see “Enroll in bill pay” online/mobile banking?

• How does the Person to Person (P2P) denial of service fraud block list work? Is an employee blocked from enrolling a member in P2P? Does the member see “Enroll in P2P” in online/mobile banking?

• How does the online/mobile denial of service fraud block list work? Is an employee blocked from enrolling a member in online/mobile banking? Can the member log into online/mobile banking?

• How does the lending denial of service fraud block list work? Is an employee blocked from creating a loan application or from opening a loan for a member? Can the member still submit an online loan application?

• How does the plastics denial of service fraud block list work?  Is the employee blocked from opening an ATM, debit, or credit card for the member? 

• How does the outgoing wire denial of service fraud block list work?  Is the employee blocked from creating an outgoing wire for the member? 

• How does the incoming wire denial of service fraud block list work?  Is the employee blocked from creating an incoming wire for the member?   

• What vendors are supported with the bill pay or P2P (person to person) denial of service fraud block list?

• How is a denial of service fraud block list different than a transaction attribute fraud block list?

• What rules should be followed when entering a name or organization to a “Pay to Name” transaction attribute fraud block list?

• What rules should be followed when entering a country name to a “country” transaction attribute fraud block list?

• What happens when a match or partial match is found to an entry on a pay to name or country denial fraud block list?

• How does the “pay to” transaction attribute fraud block list work?  What kind of disbursements is the employee blocked from issuing if a match is found on this list?  What other special caveats are there for this type of transaction attribute block?

• My “pay to” name that I am running against a fraud list has a common word, for example LLC, Co., Inc., Incorporated, or Company. What should I enter in the Pay to line?

• How does the “country” transaction attribute fraud block list work? What kind of activity is the employee blocked from issuing if a match is found on this list?

Tables Used by the Fraud Block Lists

The following fields include the memberships and entries on the fraud block lists. If you wish to exclude memberships on the Query for 1Click Offers, for example, you can use the "block new loan applications" file.

• BLOCKBP (Block Bill Pay Enrollment)

• BLOCKCTRY (Block Country Master)

• BLOCKLNAPP (Block new loan applications)

• BLOCKMST (Block new Memberships)

• BLOCKOLB (Block Online Banking Enrollment)

• BLOCKPAYTO (Block Pay To Names)

• BLOCKP2P (Block P2P Enrollment)

• BLOCKWIREI (Block Wire Transfer Incoming)

• BLOCKWIREO (Block Wire Transfer Outgoing)