Check Kiting Suspect Report (FPSDR095) |
  
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Check Kiting Suspect Report (FPSDR095) |
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Availability
This report must be run daily in the afterhours and can only be set up one time per institution.
Purpose
The Check Kiting Suspect Report will list all checking accounts that meet kiting activity criteria, based on the period used in the report setup. Because kiting usually occurs in a short period of time, the default number of days to compare account activity is 15 days. If you want to compare transactions for a different period, it can be changed to meet your requirements.
The report has no totals, but will sort and break by office. If you do not want to have a particular account on the report that inadvertently meets the kiting criteria, fill in the Ignore Kiting Date field (DMKTDT) on the Deposits > Account Information > Additional Fields screen in CIM GOLD with a valid date.
Suggested values are associated with most sections of the report. Once the limit is met, the account will appear on the report for that section. The suggested values are listed at the end of this document. You can specify other values, as needed by your institution.
Report Column Information
See FPSDR095 Example for an example of this report.
Account Number |
This column displays the office number (DMACTO), account number (DMACTA), and check digit (DMCKDG) for the account. |
Short Name |
This column displays the name of (SHNAME) the person or organization whose Social Security number or federal identification number appears on the account. |
Current Balance |
This column displays the current balance (DMCRBL) of the account. |
Average Bal This Cycle |
This column displays the calculated average balance of the account from the cycle start date to the run date. |
#Deposits This Cycle |
This column displays the number of deposit transactions made to this account this cycle (DMDPCY). |
#W/D CTD |
This column displays the number of withdrawal transactions made to this account this cycle (DMWDCY). |
$W/D MTD |
This column displays the amount of withdrawal transactions made this month on the account (DMMDWD). |
Hold Codes |
This column displays hold codes on the account. Up to 12 hold codes are displayed (DMHACC). |
Number Of Draws On Uncollected Funds This Cycle |
This column displays the number of times withdrawals were drawn on uncollected funds this cycle (DMDUFC). The default value is four per cycle. |
Date Account Went Negative |
This column displays the last date the account went negative (DMDTNG). The default value is three days negative. |
Number of Times Negative This Cycle |
This column displays the number of times the account went negative this cycle (DMWNCY). The default value is three. |
Cycle Deposits |
This column displays the total amount of all deposits made to the account this cycle (DMCTDD). |
Ratio |
This column displays the calculated result of the average balance divided by the cycle-to-date deposits or average uncollected funds. The default ratio is 10%. |
Average UCF Balance |
This column displays the calculated result of the average uncollected funds balance from the cycle start date to the run date. The default ratio is 10%. |
Date |
This column displays the date the transaction took place (DZTRND). The default number of days is 15. |
Amount |
This column displays the amount of the transaction (DZTRAN). |
Description |
This column displays the description of the transaction (DZTDES). |
CR/DR |
This column displays a “CR” or a “DR” depending on whether the transaction is a credit or a debit to the checking account. |
Tran Code |
This column displays the transaction code (DZTCOD). |
TORC |
This column displays the transaction origination code (DZTORC). |
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GOLDPoint Systems Only: All sections are defaulted on the report. To turn a section off, set the applicable Misc Opts field to “Y.”
1st Misc option—draws on UCF/cycle; used for Misc Parm A 2nd Misc option—negative balance information; used for Misc Parms B and C 3rd Misc option—average balance vs. cycle to date deposits; used for Misc Parm D 4th Misc option—average balance vs. average uncollected funds balance; used for Misc Parm E 5th Misc option—transaction on run date over a given amount; used for Misc Parm F 6th Misc option—pattern of histories of equal or increasing amount; used for Misc Parm G 7th Misc option—low and high ratio for the number of checks vs. number of deposits; used for Misc Parms H and I
Enter data in the appropriate spaces in the Misc Parm fields using no punctuation.
•A = # of draws on UCF/cycle; suggested setting = 4 •B = # of days negative; suggested setting = 3 •C = # of times negative/cycle; suggested setting = 3 •D = ratio of average balance vs. cycle to date deposits (average balance / number of deposits); suggested setting ≤ 010 (0.10) •E = ratio of average balance vs. average uncollected funds (average balance / average uncollected funds); suggested setting ≤ 010 (0.10) •F = display transactions over amount for that run date; suggested setting = 1000000 ($10,000.00) •G = number of days to read through history; suggested setting = 015 •H = low ratio of number of deposits vs. number of checks. (Ratio means how many deposits were made to each check cleared. For example, 10 deposits to 2 checks will be a 5 to 1 ratio, 10/2 = 5). If the number of deposits is less than 8, OR this data is blank, this ratio will not appear on the report. Any account with a ratio greater than or equal to the low ratio will be printed. You can choose any ratio from 1-99. •I = high ratio of number of checks vs. number of deposits (number of checks / number of deposits). If the number of deposits is less than 8, OR this data is blank, this ratio will not appear on the report. For a ratio range to work, H and I must both be set up. Neither H nor I have default numbers, but their ranges can be from 01 to 99. If you don’t want to see a range, only enter information in H.
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