GENDER LEADERSHIP RESEARCH GRANT

- Corporate account shows little or no regular, periodic activity. - A transaction includes circumstances that would cause a banker to reject a loan application because of doubts about the collateral's validity.

Suspicious Trade Financing Transactions.

- Customer seeks trade financing on the export or import of commodities whose stated prices are substantially more or less than those in a similar market situation.

- Customer makes changes to a letter of credit beneficiary just before payment is to be made. - Customer changes the place of payment in a letter of credit to an account in a country, other than the beneficiary's stated location.

- Customer's standby letter of credit is used as a bid or performance bond without the normal reference to an underlying project or contract, or in favor of unusual beneficiaries.

Suspicious Investment Activity.

• - Customer uses an investment account as a pass-through vehicle to wire funds, particularly to off-shore locations.
• - Investor seems unconcerned about the usual decisions to be made about an investment account such as fees or suitable investment vehicles. - Customer wants to liquidate a large position through a series of small transactions.
• - Customer deposits cash, money orders, traveller's cheques or bank cheques in amounts under $10,000 to fund an investment account.
• - Customer cashes out of annuities during the "free look" period or surrenders early.

Suspicious Employee Activity.

- Employee exaggerates the credentials, background or financial ability and resources of a customer, in written reports the bank requires.

• - Employee frequently is involved in unresolved exceptions or recurring exceptions on exception reports.
• - Employee lives a lavish lifestyle that could not be supported by his or her salary. - Employee frequently overrides internal controls or established approval authority or circumvents policy.

- Employee uses company resources to further private interests.