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Date: 8 months ago   Category: Finances

Suspicious operations: in what cases can banks stop money transfers now?


If there are doubts that the owner of the account really agreed to transaction, it can be blocked for two days. The relevant law comes into force on September 26. Whether he will protect clients of bank from fraud and whether can add difficulties? Photo: depositphotos.com the editor of Business FM Maxim Vasilkov has got Two years ago into an unpleasant situation: at first have stolen phone and the cash card from him, and then the malefactor from this card has bought phones for 200 thousand rubles: "It has been made at four o'clock in the morning, respectively, without my permission. I haven't received notices on phone. All this situation was resolved thanks to lawyers who have prompted that there is a law "On the National Payment System" under which this money can be returned if to write the application not later than days after unlicensed operations that, actually, I also have made. But operation was non-standard, that is I never at four o'clock in the morning bought on 200 thousand, practically nullifying the own account for such large sums". Not the rarity and the return situations when the happy owner of the cash card, having appeared abroad, pays off with it, but bank blocks the card for safety: non-standard operation. And instead of blocking only this operation, the bank is forced to block all card. Such stories set. The similar situation can bring upon the client excess trouble if on a foreign trip it is a little cash and there are no cards of others. At business of a problem is more serious. Let's say criminals have got access to the computer of the accountant of the company and have done conductings on money transfer. Having received such correctly issued conductings, formally the bank has no right them not to execute. He is obliged to transfer money even if the control system indicates risk of fraud, the director of methodology and standardization of Positive Technologies Dmitry Kuznetsov:dmitry Kuznetsov the director of methodology and standardization of Positive Technologies "Says everything that he can make now — the antifrodovy system has worked, to suspend processing at first for small term, to contact you and if you withdraw these operations, you say that they roguish, then he doesn't carry out them. But it not always works. In order that it worked, the bank has to apply antifrodovy system which costs a certain money, and not all banks are ready to invest in it. As a result clients of small banks are unprotected from roguish operations. Now the Central bank actually obliges banks to use antifrodovy systems and in return to protect the client from roguish operations". If the nobility as accounts are often blocked, for example in pursuance of the 115th Federal law, arises a logical question: and whether there is no risk that banks, so to speak, will abuse? Experts assure that they aren't present. However people of business should remember that can block payment now and for such reason. Though as shows a research of the largest Russian bank, to some clients

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