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Question for bank personnel

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ExposedNiblet posted 6/16/2013 20:17 PM

Hello everyone!

I don't want to go into too much detail here, but I have a question;

Can a person who works at another branch of my bank look into my bank account activity without my consent or knowledge?

I can provide specifics via PM, if needed.

persevere posted 6/16/2013 20:36 PM

If they work for your bank, I would think they could see any bank customer's account unless it was restricted for some reason.

ExposedNiblet posted 6/16/2013 20:57 PM

That's what I initially thought as well, but wouldn't there be some type of security involved?

Or would it be as easy as typing in my name and <BAM> up comes all my information?

I'm a little freaked out right now...XH's got himself a new squeeze, and guess where she works? (so much for few details!)

[This message edited by ExposedNiblet at 8:58 PM, June 16th (Sunday)]

debbysbaby posted 6/16/2013 21:07 PM

Time to change banks...

Take2 posted 6/16/2013 21:07 PM

You have a pm.

need_hope posted 6/16/2013 21:32 PM

Yes, a bank employee can look up your information. But, the banking software should be capable of tracking which accounts each individual employee accesses. Employees are not supposed to access accounts unless they have a legitimate reason and they can be terminated for innapropriately accessing accounts.

If you have concerns - and I don't blame you if you do! - you can go to your branch office and ask them what checks & balances can be put in place to protect the confidentiality of your account information.

When I was still in the branch system, there were a few instances where employees were restricted from accessing certain accounts. Ex-spouses, former in-laws, etc. It's not a common thing but it certainly isn't unheard of.

Oh, and I'd also ask if your XH's new nookie has already accessed your accounts, when and how often. If she has gotten into your accounts for no reason, I'd demand the bank act on the existing behavior.

clralb posted 6/16/2013 22:20 PM

Time to change banks


Dark Inertia posted 6/16/2013 22:46 PM

I worked in the credit card dept for a bank that offered all sorts of products from insurance to credit cards. I had access to everything. If they had the product, I could see it. I saw all checking, savings, credit cards, and if they had investments I the amounts, while insurance I saw the type of cars they drove, etc. That being said, there were very strict rules on accessing accounts. Basically, no way in hell were you accessing accounts unauthorized without risking your job. If you feel that someone may possibly be accessing your account without your permission you need to be doing more than switching banks... you should be bringing it to management so they can do an internal investigation. Employees should not be poking around peoples' accounts just because they are being nosy.

ExposedNiblet posted 6/16/2013 23:01 PM

Thanks for your replies, everyone.

I will be contacting my bank first thing tomorrow morning. Hopefully, they will be able to put my fears to rest and some safeguards can be put in place.

At this point, I am unsure if XH's g/f has accessed any of my information, so I'm hesitant of accusing her. Hopefully, she is not the nosy type, but who knows? Of the thousands of eligible women in this city, why does XH have to choose the one that works for my bank???? Geez.

At this point, I really don't want to change banks. I'm hoping that I won't have to.

Thanks again, everyone. I will be calling my branch tomorrow morning.


ButterflyGirl posted 6/17/2013 00:05 AM

I work in the medical field and have access to tons and tons of patient records. Can I see a lot of people's information? Yes. Am I supposed to look up anyone that I'm not directly working on their care? NO. The same with the banks, she could have access, but there would be restrictions on who she is supposed to be looking up..

But I don't think they go checking that stuff too often to make sure I'm only looking up who I'm supposed to, so I would definitely recommend changing banks. I actually read an article one time on people not wanting to switch companies because they are so familiar with the one they already have, but it really isn't that much of a hassle, and I'm sure you will get acquainted fairly quickly with a new bank and their apps and people and getting all the direct deposits and withdrawal changed over, etc. I changed banks and opened a new account when we separated, and it really is easy. It's not nearly the hassle you think it is, and I would definitely recommend it in your case..

Phoenix1 posted 6/17/2013 02:39 AM

When you talk to your bank make sure you are speaking to a supervisor/manager. They do have audit trails to track who has accessed what account, when, and what they were looking at so they can tell you right away who has accessed it, but sometimes only a supervisor has access to that electronic audit trail...

stronger08 posted 6/17/2013 04:22 AM

I've worked for some of the largest financial institutions in the world. My field of expertise was Investment Banking and I had total access to peoples accounts. I can and did see everything that a person did. Right down to your address and SS number. These were needed in order to perform my duties. I was also mandated to be certified twice a year in regard to customer privacy. Both the firms policies and the laws governing it. Also the law states that if an institution has multiple divisions of financial products that there must be what they called "Chinese Walls" Built between the entities. So as an Investment Banker I had no access to a persons personal banking transactions. I could only have pertinent info at my disposal that related to my job functionality. If a person worked in Mortgage Banking they could not see a persons Investment Banking activity. All major financial institutions have these walls in place. Most go further with limiting information available to their employees. I was a corporate VP and officer of the firm. I had pretty much unlimited access. Yet the people who worked for me could only have access to info that pertained to their position. If a person requested to have a higher level of access it had to be business related. If not they were denied. Peoples access changes due to their position changing or their being promoted etc. But at the same time I needed to review each and everyone of my employees access to information twice a year. And if I found access to something that was not needed it was deleted. I would sign off on this and it would be sent to an auditing department for further review. If they found something I missed or had questions they would come to me to discuss. And if I was allowing blanket access I could be fired on the spot.

I could go even deeper into this topic. But I think this is enough for now. Many people think that just because someone works for a certain company that they have unlimited access to information. That simply is not true. There are many safeguards in place to ensure customer privacy. And there are many technical products and policies in place to make sure who sees what they see. No reputable firm is going to risk an employee breaking the law or firm policy. Millions are spent on security each and every year. And that includes your right to privacy. If the person in question does by chance to have access to your account info it can be easily restricted. Therefore calling the institution is imperative. PM if you need anything else.

IrishLass518 posted 6/17/2013 09:03 AM

I work in the banking industry. In every Bank/Credit Union I have worked for an employee cannot access an account of someone they have a personal relationship with. For example, I could not even type in my Mother or Father's name to even glance at their account without it violating policy. That went for anyone I had any type of personal relationship with. If your ex is still on the account and she has a relationship with him, she has violated that policy and could be terminated.

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