§ 32.28 IDENTIFYING RED FLAGS.
   All employees responsible for or involved in the process of opening a covered account, restoring a covered account or accepting payment for a covered account shall check for red flags as indicators of possible identity theft and such red flags may include:
   (A)   Consumer reporting agencies, fraud detection agencies or service providers. For example:
      (1)   Notice of credit freeze;
      (2)   Notice of address discrepancy;
      (3)   Pattern of activity in a consumer report that is inconsistent with the history and usual pattern of activity of an applicant or customer, such as:
         (a)   Increase in number of inquiries;
         (b)   Increase in recent credit relationships;
         (c)   Closed account due to abuse of account privileges.
   (B)   Suspicious documents.
      (1)   Documents that appeared altered or forged;
      (2)   Identification that appears altered or information is inconsistent with information provided by customer;
      (3)   Applications that appear altered or forged.
   (C)   Suspicious personal identification, such as suspicious address change.
      (1)   Personal identification information inconsistent with information reported from a financial institution;
      (2)   Personal identification has been previously identified and flagged as fraudulent;
      (3)   Fictitious mailing address, phone numbers, etc.;
      (4)   Social security number does not match that of the customer or applicant.
   (D)   Unusual use of or suspicious activity relating to a covered account.
      (1)   An inactive account is used after a prolonged inactive period;
      (2)   Noticeable change in pattern of account activity;
      (3)   Customer notifies the Finance Director or her designee of unauthorized charges or transactions in connection with a customer's account.
   (E)   Notice from customers, law enforcement, victims or other reliable sources regarding possible identity theft relating to covered accounts.
(Ord. passed 5-4-2009)