Reflections on the successful interception of telecommunications and recovery of online banking remittance

Recently, a company customer presented gifts to the sales department of Jiangyin Rural Commercial Bank? Love customers, people of insight, and wholeheartedly safeguard the interests of depositors? Banners to express their gratitude. So this corporate customer? Sitting at home? Being fooled by criminals, the result was 6.5438+0.7 million yuan remitted through online bank transfer. Is the telecom successful? Actually, it is not! Due to the successful interception by the account manager of the sales department and careful field visit, the customer avoided the loss of 1.7 million yuan.

One afternoon, Xiao Zhang, the account manager of the sales department, learned about this situation when he visited a company. The accountant of the enterprise received a strange phone call and told him that the credit card owed hundreds of thousands, and the bank would sue him immediately if he didn't pay it back. The other party claimed that he could help him solve this problem, and also proposed to use the money in the unit account to pay in advance. At first, the accountant of the enterprise said that he didn't believe it and wanted to call the police. As a result, criminals set him one telephone trap after another. The company's accountant began to be dubious and worried that he would be sued by the bank for no reason and even go to jail. When the account manager Xiao Zhang learned about it, he immediately educated against telecom * *, helped him analyze the suspicious events, tried to eliminate worries and fears, and let him wake up quickly. Until the off-duty time passed, Xiao Zhang saw that his mood was still stable, and he repeatedly told him several times and left his mobile phone number. At eight o'clock in the evening, Xiao Zhang received an urgent call. It turned out that the accountant of this enterprise could not beat the criminals later, but was fooled and irrationally remitted 6,543,800 yuan through online banking. After the remittance, the accountant was very worried and informed the enterprise legal person.

The corporate legal person contacted him immediately. So Xiao Zhang immediately informed the leaders of the sales department, and the next day he took technical measures to successfully intercept the large-sum system of the People's Bank of China.

In recent years, telecommunication cases are frequent, and new tricks emerge one after another, which is extremely harmful. Criminals often instruct victims to transfer money through online banking, mobile banking, telephone banking or ATM in an attempt to bypass the teller's reminder and inquiry. How do banks firmly build the last line of defense? First, strengthen employee education and directly intercept the counter; The second is to strengthen anti-telecom propaganda, enhance the vigilance of the masses and improve the ability to identify telecommunications; Three, keep close contact with customers, through field visits, issuing bank-enterprise contact cards and other ways to keep abreast of customers. Once telecom is found, it will be handled immediately and efficiently. Especially, after the large remittance of more than 50,000 yuan is discovered in time, it can be effectively intercepted by using the running time setting of PBOC large payment system.

This time, the business department was able to successfully intercept the telecommunications that were not transferred over the counter. In fact, it is not entirely accidental, and it is closely related to its usual field visits and customer maintenance. Because the online CRM system realizes the hierarchical management of enterprise customers, the limited staff energy in the business department is more reasonably distributed, and the customer visit and customer maintenance work is more targeted and effective. The business department stipulates that customers with an average daily value of more than 500,000 are on call, customers with an average daily value of more than 200,000 but less than 500,000 visit at least once a month, and customers with an average daily value of less than 200,000 visit at least once a quarter. At the same time, the business department requires the account manager's mobile phone to keep on for 24 hours to ensure timely answering calls from customers in charge. Through high-frequency field visits and contact at any time, the sales department

I have always been aware of the corporate customers in my jurisdiction in a timely, comprehensive and quick manner, which is why I was able to successfully intercept this telecom.

(Jiangyin Rural Commercial Bank Lu)