After the U, what is the logic behind the bank's risk control not at the counter and asking you to go to the anti-fraud center to stamp?

Many friends asked what to do when their bank card was notified by the bank of being risk-controlled and were afraid to handle it. They don't know what unscrupulous things you have done, and even the bank's risk control is not dared to be handled.

Risk control not at the counter is divided into several situations. You first need to understand why you are being risk-controlled in order to have a solution.

Not at the counter means suspending non-counter face-to-face transaction business, which means that the bank's data model has detected your abnormal behavior, which is filtered out by big data. The bank will not come to investigate you. In China, there are 34.5426 billion bank card transactions every year, about 1 billion per day. The bank has a very complex anti-money laundering algorithm, and tens of thousands of transactions may trigger this algorithm's alert every day.

These tens of thousands of transactions will be reported, but the vast majority of them are just reported. It is impossible and unrealistic to check each one, and most of these tens of thousands of transactions are also legal.

So, if you don't understand anything, do you think your information will be reported? Then what behaviors of yours will trigger the bank's risk control system?

• Dozens of people from all over the country transfer money to you every day, and you transfer it out again after receiving it. (Receiving card triggers dispersed incoming and concentrated outgoing risk control)

• You receive a large remittance, and within a few minutes, you transfer money to dozens of people in different regions of the country. (Paying card triggers concentrated incoming and dispersed outgoing risk control)

• You are afraid of being frozen, so you send a red envelope before each receipt to test the card. (Triggers small amount of probing before large transactions risk control)

• Recharge for online gambling, purchase of virtual currency. (The other party's account has involved risks, and you are reverse warned)

• Received funds of unknown origin are judicially frozen for three days. (Listed in the bank's high-risk list)

• Law enforcement agencies investigate and find information about five cards under your name on the platform. (Listed in the bank's high-risk list)

• Frequent large cash withdrawals (evening withdrawals, etc.)

• Frequent quick in and out.

…and so on.

All of these behaviors can trigger the bank card's risk control and lead to direct non-counter transactions, because the bank staff don't have time to dawdle and directly put you under risk control, suspending non-counter face-to-face business. So one day you find that your card cannot be used for transactions, you are at a loss, you search on Baidu, search on Zhihu, and all you see is that you can lift the risk control by bringing your transaction records to the bank.

Can non-counter transactions really not be lifted? Not really, the purpose of non-counter transactions is to control your risk. As long as you can provide a legitimate reason, eliminate your suspicion, and make the bank staff believe that you are a good person with legitimate assets and believe that you are not doing anything wrong, then the risk control will naturally be lifted.

How to solve it? You need to prepare your materials.

Materials include a statement of the situation (most important), you need to explain it to them once, they may not remember, and if you talk to a different staff member, you have to explain it again. The most efficient way is to provide a document.

You need to have a regular job (your own business, individual business, etc.), home address, and identity information.

Make them believe that you are a good person, and you need to explain your transaction situation reasonably. Don't lie, they have ten thousand ways to verify your real transaction situation, just tell them directly that you are trading virtual currency.

Is trading virtual currency illegal?

It's not illegal, make sure you understand.

And when you receive a call from the bank and get scared, worrying about being arrested, acting timidly, you look like someone doing something wrong. The bank judges you based on your temperament and assets to see if you are a wealthy and normal person.

So in many cases, if you act timidly and your card doesn't have much funds or has a lot of funds, when you go to lift the risk control, the bank staff will not handle your withdrawal and other transactions, saying that it's controlled by the head office and other things to stall you, and impatiently tell you to go to the anti-fraud center to stamp.

The bank is a commercial institution, and it does not have the authority to freeze your bank card or prevent you from withdrawing money. There will be a huge BUG in this, the bank staff have no right to view your transaction information without your authorization.

Customer card balance and current transaction details are at the privacy level, and no one can view them individually. If you need to view them, you must have authorization from a senior staff member.

So, when your card is abnormal, it must be due to abnormal transactions, and the bank staff directly put you under risk control without doing due diligence, which is not right, this is the first BUG.

Why do they dare to put you under risk control? Because they have privately viewed your transaction records, this is the second illegal act, the second BUG.

So, when they want to deceive you and mess around, you need to fight back. How to fight back? You need to first obtain evidence that they have privately viewed your transaction records, such as when they ask you about a certain transaction, which can prove that they have privately viewed your transaction records.

But experienced bank staff will tell you like this: come to the bank and print out your transaction records to see if there are any abnormalities, this is their way of cracking it, if you print out the transaction records by entering your password, it means you have authorized it.

So you need to be smart, I don't know if there are any abnormalities in my transaction records, you tell me where there are abnormalities in my transaction records. If they bring out the transaction records and ask you to explain them, then they are breaking the law.

Sometimes the bank's deputy general manager, risk control manager is very powerful, and he may ignore you and directly tell you to go to the anti-fraud center to stamp, and many people don't understand and foolishly go to the anti-fraud center, only to find that they can't even enter the gate, the anti-fraud center does not accept private business, this is the bank passing the buck to you.

The process of stamping at the anti-fraud center is: you ask the bank to issue a "Account Review Form for Suspected Fraud Risk", this must be issued by the bank, but they won't give it to you, instead, the bank will send it to the anti-fraud center or take you there in a public-to-public manner.

The bank staff will take the form and take you to the uncle at the anti-fraud center, the uncle will check your transaction records, make a record, and after investigating whether you have committed any illegal activities, he will make a recommendation to lift or not lift the control and sign and stamp it.

With this stamped and annotated "Account Review Form for Suspected Fraud Risk" from the bank, they can lift the control for you, so non-counter transactions are just due to abnormal transaction records of your bank card, or have been voluntarily lifted after the card was frozen. If the bank gives you non-counter transactions, it is very easy to lift.

The premise is that you really have no suspicion of illegal activities, and even trading virtual currency can be lifted. Just tell them your transaction records and write a statement of the situation, this statement of the situation is very important, I have written a sample here, for those who need it, join the group to receive it.

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