I work in fraud ops at a US digital bank and I'm the person behind those we need a photo of your license emails people complain about here.

Our identity verification runs data first CIP. Name, DOB adress and SSN go through our data vendors and only applicants who come back thin or mismathced get asked for an ID and selfie. That request goes through a manual review queue so the email lands hours later and close to half the people never come back. Most of them are real, just young or recently moved.

Worse, when we pulled the synthetic accounts we charged off last quarter, not one of them had gotten that email. One had a 9 year old SSN,a lease in Phoenix and a phone number older than my car. Sailed through. I want document verification in the same session and to fire on something smarter than a thin file but if I put a scan in front of every applicant, our growth team will riot.
If you do fraud or onboarding at a bank or credit union, what gets an applicant sent to document verification at account opening?

1st was a travel card, 2nd was a cash back card from my own bank. Both letters said limited credit history, which tracks since my oldest account is a 2 year old student loan. I don't need a list of the best cards. I need to know which category I'm wasting inquiries on and which one someone with my file realistically lands next??

If a merchant wins a dispute due to them having enough proof to show nothing was wrong why are they still hit with a fee? I know it's burdensome to have disputes investigated but wouldn't it make more sense to charge it to the person that lost aka the Person that made the dispute in bad faith?

My mom fell for a scammer and cashed a check. The bank flagged it and is investigating the fraud, but the account is still at over -$10,000 at the moment. I have a separate bank account at the same bank, but my name was added to hers after my dad died to make it easier for me to handle after death care for her when the time comes.

I didn't ever use the account, and her name is on the checks, plus her signature, and the accounts are now closed. But is there any way this can impact me as well? I'm so mad at her right now for all of this, and I genuinely thought she was smarter than cashing checks from strangers on online dating sites, but here we are.

The bank is on top of this, and she has to make a police report, but is there anything I need to be doing or can do if I need to protect myself? Needless to say, I will never be on anything with her again and she is permanently banned from anything with my name on it going forward.

My husband and I recently got married and are setting up a joint checking account for our household finances.  We currently hold our joint savings in Marcus at a 3.5% APY. We're interested in having our joint checking and HYSA in one place. We will keep our personal Chase checking accounts open for brick-and-mortar access (depositing cash, in-person service), but we want an all-in-one digital app for our joint bills and savings. Previous reviews from a year or more ago provided the following feedback:

- SoFi: Offers a smooth, well-reviewed user experience, but its baseline APY drops to 3.30% after promotions—lower than our current Marcus rate.

- Axos: Offers higher rates (up to 4.21%–5.00% with direct deposit/promotions), but we’ve read mixed feedback regarding app usability and customer service.

For couples using a joint checking + savings setup as a "bills hub," how do SoFi and Axos compare in real-world day-to-day use, app reliability, and rate value? Are there other all-in-one alternatives worth considering?

Hi, so as the title suggests I need helping finding a new bank. I currently have a checking and savings account with Bank of America but those accounts were opened as a minor under my parent so as I become a more independent adult I want a new totally separate checking/savings account. I don’t want a totally online bank as I like the option of getting help from someone in real life and I want a place with a good high yield savings account along with little to no fees. If anyone has any recommendations please let me know! I’m very new to this kind of thing and am getting overwhelmed with comparing different options. Thanks!

Hey everyone,
I’m currently based in Vietnam and planning a career transition to the US. I have around 8 years of experience in fraud risk at Standard Chartered, and I’d like to get some honest advice on how to position myself for the US job market.
A quick summary of my background:
Payment Fraud & Mule Risk: Experience managing country-level payment fraud, designing processes to align local regulations and Group standards, and creating/fine-tuning fraud/ money mule detection rules.
Tools & Systems: Experience with ThreatMetrix
Other areas: Basic exposure to card fraud and chargebacks, plus general fraud investigations, both external and internal fraud
I want to stay in the Fraud Risk / Financial Crime , but I’m wondering:

1. Which roles should I target? Given my background, what job titles in the US would be the best fit?
2. What should I focus on improving? Are there specific technical skills (like heavy SQL/Python), certifications (like CFE), or US-specific regulations I should study to make my profile more competitive?

I am asking , I am doing this course

In special beginners bundle course , after solving reasoning qns i realised ki my speed is improving

So want to know should I continue with thing course or I should something else

when evaluating a credit builder tradeline, what details should someone check before opening an account? i’d want to understand the account structure first, including who provides the account, which credit bureaus it reports to, whether a hard inquiry is required, and how the account’s limit and balance appear on a credit report. i came across Kikoff while researching these products, but i wouldn’t want to choose one based on the advertised monthly price alone.

my checklist would also include the total cost over time, any membership or other fees, whether interest applies, the cancellation terms, and exactly how the account is reported. are there other details you’d recommend verifying in the agreement or with the credit bureaus before signing up? i imagine the reporting structure and full cost matter just as much as the headline features.

I have a 100k that am considering transferring to a new bank.

Its cash not some sort of retirement account.

Will transferring this money to a new bank raise any red flags>

Transferring this money will put my 250k FDIC over the limit. I have multiple people named as POD.

Is it a safe move? The bank I am transferring the funds too has better interest rates. I dont want to screw myself with the banks.0

​

Hi everyone,

I have a personal account at Rastriya Banijya Bank (RBB), Nepal. Recently, I found that I can receive money, but I cannot send money to other bank accounts. After entering my transaction PIN, it shows “Debit restricted.” My business account is working fine.

I visited the bank, and the staff checked my account and she mentioned the Cyber Bureau. She also gave an official Cyber Bureau letter that lists my personal account in an investigation related to alleged Telegram online job scams.

Has anyone experienced a similar situation in Nepal? What steps should I take to find out why my account was listed and how to resolve the restriction?

Any genuine advice would be appreciated. Thank you.

Hi everybody,

I "recently" deposited a large check (over 7 figures) into my Wells Fargo account on 10/17, and they ended up placing an extended hold until 10/27. The check is from a very large reputable company, that I have worked with in the past.

Being that the deposit should be processed tomorrow, what time of day should I expect the deposit to become available?

Also, I have contacted Wells Fargo and asked for the hold to be released, but they would not release it.

Anyhow, the deposit day is scheduled for tomm, so I'm not trying to release the hold. I am just wondering what time of day the check shouls hit?

Thank you!!

I completed an interview at Chase with a recruiter at 10am on Friday and with the branch manager same day at 2pm.
She called me on Wednesday to schedule an interview. I think the interview went well and it felt like a natural convo.
I focused on my sales goals at Citi (my current employer) and customer service.
What’s been your timeline after your second interview?
Thanks for the responses

Purchased a 500 dollar prepaid greendot card, and it said my account was restricted. Called customer service, and they told me there was nothing they could do. That I could just purchase items. On the website it said, I can also take money out of the atm, but when I tried it, I couldn’t do it. I’m afraid of requesting a check, because it may not even arrive. Anything else I can do? I’m pretty mad about this. Their customer service absolutely sucks.

I need some advice regarding a possible pension withdrawal fraud .

Here is what happened:

Brother A and Brother B’s mother passed away. She was receiving a pension, and their father was the nominee.

Approximately a year ago, Brother B’s wife made an online transaction using the deceased mother’s pension account, even though the mother had passed away a month or two before the transaction.

Brother A submitted the mother’s death certificate and a written application to the bank informing them of her death. Despite this, the bank still allowed the online transaction to take place.

After the transaction came to light, the bank, Brother B, and his wife reportedly faced problems. To resolve the matter, they wanted Brother A and their father (the nominee) to sign a written application stating that the transaction had taken place with their consent or approval.

Brother A initially refused to sign because he believed the transaction was fraudulent and had not been authorized by him. However, he later signed the application because he was under pressure from Brother B. As a result, the matter was apparently settled.

My questions are:

Can Brother A now approach the bank again and formally object to the transaction, despite having previously signed an application stating that it was approved?

If Brother A signed under family pressure, can he explain the circumstances and challenge the earlier application?

Can Brother A’s wife also report the matter to the bank or the relevant authorities, or would the complaint need to come from Brother A, their father (the nominee), or another legally authorized person?

What action could the bank take if a fresh written complaint is submitted now? Could the bank reopen its internal investigation or refer the matter to the police?

Since the bank had already received the death certificate and notification of the mother’s death before allowing the transaction, could the bank also be held accountable for its role or failure to prevent the withdrawal?

Which authority would be the most appropriate to approach: the bank’s grievance redressal department, the bank’s nodal officer, the RBI Ombudsman, the police, or another authority?

Would the previous signed application prevent further legal action, or could the matter still be investigated if there is evidence of unauthorized withdrawal or misrepresentation?

The main concern is that the transaction may have been fraudulent, but the issue was apparently settled after Brother A signed the application under pressure from his brother.

I would appreciate advice from anyone familiar with Indian banking procedures, pension rules, or criminal law. If possible, please explain what steps could be taken now, what evidence would be useful, and whether there are any time limits for making a fresh complaint.

I understand that the exact legal position may depend on the documents and circumstances, and I am looking for guidance on the appropriate next steps.

Primis just opened up their APY savings for businessess a few weeks ago.

I applied for my small biz, got denied, looked at my backround check for the business and myself, no denial reason all clear.

I emailed Primis today and asked them to reconsider my application/ appeal.

Worst part is their deadline is Oct 30 to get in with the APY accounts im looking for.

For those who were denied a business account, were you able to successfully reconsider and if so how did you do it? Im in California if it matters.

Oh wow not good. Can see the future of AI risks clear now

https://www.axios.com/2026/10/22/ai-agents-banks-unauthorized-accounts-access

Just curious. Thank you in advance for all the replies.

Long before Revolut’s service outage last Tuesday, fintechs were under the microscope.

The European Central Bank has made digital operational resilience a central theme of regulatory enforcement in 2026 over fears that European financial institutions are vulnerable to cyberattacks and the failure of outsourced essential services.

The Central Bank of Ireland has sent out a flurry of “Dear CEO” letters this year warning fintechs to plug gaps in their systems that leave customers exposed to service interruptions – or worse. So when a $121bn digital bank goes dark for most of a working day because of a Google Cloud blackout, it does not inspire confidence.

“All fintechs are interrogated very closely on IT resilience and here’s the biggest guy in town with a single point of failure,” said Peter Oakes, a fintech adviser who once served as director of enforcement at the Central Bank. “The fact that Google appears to be the issue is exactly what the regulator’s been talking about.”

The problem prevented Revolut customers, including 3.4 million users in Ireland, from accessing accounts, making payments, transfers and withdrawals. Currency exchange, stock trading, top-ups and even messaging were offline.

For Nik Storonsky, Revolut’s cofounder, who bills the company as a high-tech alternative to the fusty, sluggish banking sector, it’s a PR nightmare, especially as some users reported that they had no access to alternative funds because they banked exclusively with Revolut. “I don’t have a single point of failure in my life — I have accounts with Revolut, Monzo and Bank of Ireland,” Oakes said. “The legacy banks will look at this with glee.”

It does not help that Revolut has not provided a complete explanation of what, exactly, went wrong and why “System resilience is a core priority for us. Like many global tech companies, we utilise industry-leading cloud infrastructure designed with robust internal redundancies,” a Revolut spokesman said in a statement “While third-party provider outages can occasionally impact ­ service availability, our underlying architecture and data security protocols ensured customer funds and data remained completely protected throughout. We are reviewing this incident carefully to minimise the impact of any third-party disruptions in the future.”

Read the rest here

Primis just opened up their APY savings for businessess a few weeks ago.

I applied for my small biz, got denied, looked at my backround check for the business and myself, no denial reason all clear.

I emailed Primis today and asked them to reconsider my application/ appeal.

Worst part is their deadline is Oct 30 to get in with the APY accounts im looking for.

For those who were denied a business account, were you able to successfully reconsider and if so how did you do it? Im in California if it matters.

For readers applying elsewhere, application autofill can fill Greenhouse, Lever and Ashby forms; review the fields and submit yourself.

https://www.bloomberg.com/news/articles/2026-10-22/barclays-to-cut-5-000-jobs-as-ai-starts-creating-efficiency

opened a $500 secured card thru my bank last august, paid in full every month and my score went from nothing to 702. called to ask about switching it to a regular card and they just said not at this time, no real reason. im not looking for a list of cards, just wondering if i should keep waiting on them or apply somewhere else and keep the secured one open since its my oldest account?

American Express is laying off 5% of its global workforce, impacting roughly 3,500 jobs, and it's assuming a $336 million restructuring charge in the third quarter.

Amex finance chief Christophe Le Caillec told CNBC the move is meant to make the credit card giant "leaner, more agile, and also to prepare for AI."

The decision is happening amid a strong year for Amex, though expenses have jumped 9% compared to the same period a year ago.

It also comes days after Barclays' "AI-influenced" layoffs, affecting 5% of its staff.

Read more.