The safe deposit business is often thought of as a “low risk – low reward” business. This is far from the reality. Generally, the risks outweigh the rewards.
“Mistakes” (e.g. control breakdowns) in the safe deposit area expose the financial institution (bank, savings association, credit union) to unlimited liability. Since the lessor of the box (the financial institution) does not know what is in the lessee’s (customer) box, any claim against the bank can be for unknown and unlimited amounts.
In addition to mistakes that occur in the decedent box renter process, other serious mistakes can occur in the access process.
This safe deposit webinar provides attendees with the best safe and sound practices and controls during the process of allowing customer access and exiting of the customer’s safe deposit box.
Specific focus will be placed on:
- The Definition of Access
- General Access Issues
- Verification Procedures
- Box Removal Procedures
- Re-vaulting Procedures
- “Notification of Death” Procedures
- Required Documentation
- Access Tickets
- When to Deny Access
Attendees take away an approach that is well-controlled, safe and sound. This approach will protect the financial institution against unlimited liability claims.
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