(a) Once potentially fraudulent activity is detected, an employee should act quickly to protect customers and the municipality from damages and loss.
(1) Once potentially fraudulent activity is detected, the employee should gather all related documentation and present a description of the situation to an appropriate supervisor for determination of whether the transaction was fraudulent.
(2) The appropriate supervisor should complete additional authentication to determine whether the attempted transaction was fraudulent or authentic.
(b) If a transaction is determined to be fraudulent, appropriate actions should be taken immediately. Actions may include:
(1) Canceling the transaction;
(2) Determining the extent of liability of the municipality;
(3) Monitoring a covered account for evidence of identity theft;
(4) Contacting the customer;
(5) Changing any passwords, security codes, or other security devices that permit access to a covered account;
(6) Reopening a covered account with a new account number;
(7) Not opening a new covered account;
(8) Closing an existing account;
(9) Notifying law enforcement; or
(10) Determining that no response is warranted under the particular circumstances.
(Ord. 03-09. Passed 4-20-09.)