T O P

You want to mess with our review team? Okay.

You want to mess with our review team? Okay.

texanghost

My accountant had to tell me to stop adding the references 'Drug money' or 'Sexual favours' when I send money to friends for splitting bills or buying items and what not I still can't help doing it sometimes though


hovnohead

My renters (my brother and his college friends) used to sign the memo line 'penis enlargement surgery'. I didn’t care because the checks cashed alright


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texanghost

I'm not clever enough to think of something like that I did put 'not drug money' or 'not sexual favours' a couple of times but thats my limit


CorrosiveAlkonost

*Joint* Account, if we're talking bodily stuff...


Kindly-Pass-8877

Apart from drug purchases, what’s wrong with joint account? What am I missing?


pogidaga

Kids these days call marijuana cigarettes 'joints,' or so I hear.


Kindly-Pass-8877

Haha, oh yes, I got that. But the person above me wrote “bodily stuff”. So unless they’re talking about their elbow, I’ve missed it haha


Dusty_Phoenix

I used to do anal bleaching. Stopped 6 months before I bought a house though.


KTB1962

There's more to this story....


gopiballava

When you are getting a mortgage, they want to see your recent bank statements to make sure you aren’t lying about your income or expenses etc. So they’d see those checks and possibly ask what they were for…


stellaismycat

You learn a lot about a person as a underwriter looking at their bank statements.


chupacabra910

Pro tip: put everything on credit cards... Underwriters don't learn where your money goes, except the credit card company.


acousticalcat

Yeah but what did you write in the app


MrHobbes14

My sister got a call from her bank when a friend sent her money referenced "drug money". They told her she needed to make sure the reference was correct and legal.


burlesque_nurse

My husband and I have semi-separate finances and one day he had me download one and send him money but I’d never used it before. It synced all my contacts and I wrote that it was for all the hookers. Yeah we didn’t know to even say anything until his sister asked us about it a few hours later


MT10inMA

You allude to what company it is TWICE without naming them but then you name them in your second paragraph lol


AAVMan

Yeah i had to resubmit this. On mobile lol.


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PasswordNot1234

I mean, how would someone NOT know they're talking about Venmo?


doc_skinner

That's funny because he said "the blue one" and I immediately thought Paypal. I had no idea it was Venmo until this post


forever-roach

You're not far off since PayPal owns Venmo.


doc_skinner

TIL


PasswordNot1234

There’s pretty much either Venmo or CashApp


amishbill

Can't be cash app. They talking about buying food, not an STD.


doc_skinner

Also, green, not blue.


doc_skinner

ooooorrrr, PayPal? (Also Zelle, but that's more purple)


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Material_Strawberry

The policy is annoying since it leads to people submitting stories and going on and on about what their company is without naming it, but no thinking if it even matters. If you're writing a story about Macy's, it doesn't generally matter, you can say I work in a store. You don't need to make allusions to how you work in nationwide department store company that often anchors shopping malls and puts on a Thanksgiving Day parade each year to talk about that time your supervisor was a dick and you showed him.


itsgms

As a Canadian I have no idea what these apps are 'cause we all can do it through our banks.


Leprichaun17

Exactly this! What is wrong with USA's banking system that it's easier to use a third party service than the native banking system to transfer funds to a friend?


crankylinuxuser

I heard about someone who is a fellow pagan who bought an Isis (the Egyptian Goddess) statue. Listed "Isis statue" They had the secret service show up at their doorstep the next day.


Suspicious-gibbon

A guy in the UK found out that he’d been under surveillance for years because someone left a note on his door when he was at university. It said “CALL IRA”, Ira being a friend of his. Unfortunately, it also stands for Irish Republican Army.


[deleted]

How did he find out he'd been under surveillance?


Suspicious-gibbon

Apparently under a FOIP request as a bit of a joke. A lot of files had been unrestricted to do with various intelligence gathering exercises. I think he may have been a journalist and thought it would be interesting to see what info the government had about him.


dirtisgood

We have a motorcycle gang near us called the pagans. I was confused for a second and questioning your choice in friends.


shadetreegirl

Hey I'm pagan and I question your questioning his choice of friends.


Shadowfalx

The gang or the religion (or both)?


shadetreegirl

Religion ☯️ but I have nothing against the motorcycle club. We are a very diverse people.


Mister_Grime

Maybe Horus's mom or Osiris's wife would've slipped through?


Kind_Stranger_weeb

Whose mom is a whorus?


Dezire43

My kids' mom


Mister_Grime

That'd be Charlie Manson's. But since he's dead, I don't think it would warrant a visit from Secret Service, FBI etc.


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Magdovus

Are you familiar with DHS? If he'd sent an email describing something as "the bomb" in addition to the statue, he'd be too busy being falsely imprisoned in Gitmo to post about it.


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ElJaso

You're quite the armchair expert on this matter.


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Wide_Interview9215

Lol yeah, the Secret Service won’t just show up for something like that, assuming it’s a nominal payment. With that being said, Financial Institutions (operating in or through the US) that uncover a matter that poses an imminent threat to the US are required to file a Suspicious Activity Report and call FinCen immediately after the filing. In those cases, the proper Law Enforcement agency will actually respond immediately.


Material_Strawberry

The Secret Service has been video recorded showing up in person with multiple personnel to inquire as to the nature of peoples' participating in protests against Israel. It's really not that unbelievable.


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Material_Strawberry

The proof is the video. Of the Secret Service personnel showing up. I didn't say they commented on Venmo about Israel which should be a key component of your ability to use reason to determine they did not. It's a comparison of the thoroughness of investigations from the Secret Service. Apples to apples. Completely believable for staff to show up to inquire about someone trying to give money to Isis and just fucking it up because they're not good at terroristing.


maniac86

Sounds made up since secret service wouldn't handle that even if it was terrorism related


One_Dig_6968

You realize the Secret Service’s “bread and butter” is financial crimes, right? That they don’t deal with terrorism? That the FBI is the country’s leading terrorism investigation agency?


Material_Strawberry

The Secret Service manages all National Special Security Events like inaugurations, States of the Union, Superbowls, playoff sports, Olympics, etc. It was likely something about one of these events' planning accidentally flagged something and it ended up needing to have follow-up to get the flag removed and be able to move on.


Wide_Interview9215

As a part of a Financial Intelligence Unit, this is probably not true.


Moosikukkel

My friend once bought me a pack of cigarettes and I transferred the money back to him with "drug money 1g", that transaction was canceled


reddituser2762

I mean technically you were just being descriptive


Moosikukkel

Maybe the bank cares about my health


Sinov1983

Don't think that's the case...... Canceling a drug dealers payment is slightly more unhealthy than 1g of coke.


Moosikukkel

So they would sacrifice themselves for me? <3


kallonista

Once I sent my sister money for the food she picked up at a Syrian bakery. It got flagged and rejected. Fuck Venmo.


Wide_Interview9215

OFAC filtering systems blocked that payment not Venmo :)


Material_Strawberry

She could probably make a solid case for that bakery not being owned by Bashar.


KunstrukshunWerker

Interesting perspective. I haven’t read a well-written story from the angle of the person dealing with the malicious compliance before, especially one that finds it hilarious and is a good sport about it.


Steel_Town

I always put "Monkey-Sitting"


Magdovus

I hope it is a monkey and not an ape. Ook.


Steel_Town

Haha it is a monkey. At least in my dreams.


craash420

Where's the MC?


AMay101

OP is the MC’d and the reviewer is the MC’er. Roles reversed bud


bornamental

I think it’s by the company for applying their policies to spite the sender


craash420

You and /u/AMay101 agree but I don't see it. OP didn't ask the company to comply with anything, this just seems like "We didn't like their rules so we broke them." This isn't even petty revenge, just a group of chucklefucks wasting time.


bornamental

It’s not OP’s malicious compliance, it’s the company. Why are you still talking about OP?


craash420

The company isn't following their policy out of MC, they're doing it because it's their policy and they always follow it. Think of it this way; the company I work for charges a late fee if a payment is over 10 days late, if you deliberately make every payment 11 days late we're not applying late fees out of MC, we're doing it because that's our policy.


NabilTheEggbert

Following their policy because it’s their policy would consist of either approving or rejecting the payment…. Because ya know, that’s kinda how it works. The malicious compliance is that the company decided to do NEITHER to mess with OP.


craash420

>Eventually we figure out the company (Edit) will hold suspect payments for review and the US and Cuba not being on business terms at the time meant it was flagged. Looks like their policy is to hold suspect payments for review, not to either approve or reject them. As /u/Sinov1983 suggests, it's probably a glitch, but even if it wasn't holding a payment for four years isn't complying with anything.


Sinov1983

My guess would be that the payment isn't being rejected or approved at all. It is likely just an error that has indefinitely locked it, and would only take a quick call to get it corrected. But $8 is a small price to pay for a good story.


a56-7w

>This isn't even petty revenge, just a group of chucklefucks wasting time. No, this is due to the absence of a properly automated review system which causes an issue to customers.


craash420

OK, it's a group of chucklefucks wasting time due to the absence of a properly automated review system. They have thought they were edgy or sticking it to the man or proving a point, but they really just wasted time and had a laugh.


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aineslis

I worked in suspicious activity reporting/suspicious transaction reporting 10 years ago. It’s only funny on the first day of your job, after that it gets old very fast. They’re probably not releasing the funds because it’s a small sum and by doing so might defer you from doing it again. You can also get suspended/terminated if you overdo it, as doing so does fall under the “suspicious transaction” definition. Sorry for being a party pooper, I understand it’s fun to realise that some silly words can flag the transactions, but don’t just start doing it maliciously, because on the other side there are people dealing with months and months of backlogs, most of those teams are understaffed. During the peak we had 3600 pending review potential SAR’s. When I left 6 months later we were “down” to 3800.


Wide_Interview9215

Being in an FIU, not only does it put pointless “cases” to a backlog, it can ultimately make a real case go unseen. I remember working from 8am-3am on the client site (paid nicely) to help them get past their backlog. While I worked the whole time, most of our reviewers were sleeping in a back office or “clearing” alerts. Like you said, it might be fun or funny but just understand that these safety checks or blocks are to protect the general public, not to be annoying. Think of this, these “stupid monitors” for your transactions have probably helped someone from being trafficked, or becoming a victim of terrorism, etc.


Material_Strawberry

Those checks are absolutely not there to help the general public. They're left too broad and literal by the agencies that do the reviewing as if anyone in history has actually made a financial transaction with the literal, keyword filled notation. Fix the filters to leave out the obviously absurd cases (Kim Jon Thin probably didn't Venmo $4 to Judy Johnson to the $ImproperNKTermforNuclearProgram).


Wide_Interview9215

So P2P have a different set of risks but regulations do require that they monitor for all risks. These institutions use a risk based approach. Regardless of wether or not the transaction is actually related to the message in the notes is irrelevant. Words that trigger auto cancels or holds will get picked up by scanning software and then reviewed by a real person. P2P companies are more focused on trafficking of both drugs and humans but can not look the other way when something like Syria shows up.. what would be the response to the regulators? “No nahh we thought the people sending the money were just having fun so we let it go”.


Material_Strawberry

Yes, that would be the response. The alternative response is "Yes, we pissed away 7x our normal budget investigating obvious jokes because no one tuned our filters properly for tagging." If "Human trafficking" is listed as the note for the transaction it can be ignored as it's clearly a joke or it can be ignored because an actual human trafficker so explicitly and overtly conducting an illegal enterprise will rapidly caught by other means. Successful human traffickers do everything possible to avoid attention, a key element of which is not naming the term used by law enforcement to refer to their crime in the notes of a transaction. If they did otherwise would face successful prosecution very rapidly as their windowless vans labeled "HUMAN SLAVES INSIDE, CALL FOR MORE INFORMATION" would likely cause a traffic stop. Seriously, if you're a real regulator and you're enforcing sanctions by whether or not "US AND UN SANCTIONED INDIVIDUAL IS PAYEE" is a note there's no reason to have human review. It can be suspended by machine filtering. Of course no actual person attempting to violate economic sanctions by including Kim Jong Un as the payee so the issue is really moot. If regulators genuinely want to investigate transaction that would be restricted the first step would be to remove terms from the filtering setup that flags transactions for further review that are used by law enforcement to describe a proscribed transaction, e.g., drug, cocaine, heroin, rico, murder, robbery, fraud, sanction, continuing criminal enterprise, fentanyl, diversion, etc. I guess if you do what you say you do: have you ever found what turned out to be a legitimate violation of regulations from a flagged transaction using such words?


Wide_Interview9215

A short response to your reply, is yes. While working for a client I noticed a female receiving anywhere between 200-300 a day and the payer would typically state the transaction was for “that good ass” or something sexual. I can not say for sure that the woman was trafficked as she seemed to have been doing this on her own free will, but who knows, she was also sending a good amount of that money back to a male, who could or could not be her pimp. He might have been her drug dealer as well. Nonetheless my job is not to stop the crime, it’s to detect the crime and then refer it to the proper LE agency. More recently there is a transaction with the word “martyr” in the OBI field. Investigation is still ongoing for that and that is all I can say.


Material_Strawberry

You said there wasn't a crime. You said you didn't know if she was trafficked. You didn't say whether the notation was the kind of flirtatious remark someone might add to a gift to a lover. And then that she often sent money to a male who you don't know to be a pimp (maybe he's a personal nurse tending to her mother). You didn't even identify a crime occurring. I was asking about a specific example of you finding a criminal based on them using terms like I suggested, not you finding something you thought LE should check a bit more into in case there might be a crime. Did someone buy a martyr? That'd be another keyword that isn't going to work very well. A lot of places dealing with Abrahamic religions will make frequent reference to martyrs.


Wide_Interview9215

I clearly never said that there was no crime, I did say that I was not sure if there was a crime. There’s a difference in those two statements. As for your other points, I don’t really care to get into this discussion with you at this point.


Material_Strawberry

You "can not" say for sure this was related to human trafficking. Meaning, until proven otherwise it was not human trafficker. She often sent money to a male who you "don't know" to be a pimp. Again, until there's some evidence, there's no reason to characterize it as even saying a crime occurred. You said your job is to "detect the crime" and my point was per your own post you don't do that. The examples you offered couldn't be determined as even being suspicious, let alone crimes. Of course you don't want to discuss this anymore. You might've imagined a crime might have happened, but don't know.


Wide_Interview9215

I’d also like to note that these filters are not two dumb words. So asking questions might be a bit more beneficial than making assumptions and coming off as aggressive as you are. Human trafficking is not only detected by the term “human trafficking” same goes for terrorism... read a bit more before you make assumptions.


Material_Strawberry

Great. That means using these words in financial notation should cause no flagging in the absence of other data. So we don't need to stop doing it as a joke. You're not answering questions so why would I ask them? I don't really care if I come across as aggressive or not. When I used those phrases it was intended as sarcasm mocking flagging software that filtered based only on notation since you earlier claimed that the joke notations clogged the queue of flagged transactions to review. You've now clarified that such notations in the absence of anything else do not trigger flagging, which is a departure from your earlier statements, but clarifies financial oversight is not so cartoonishly absurd as it appeared. And speaking of questions, I asked one in the post you responded to and you didn't answer it. Why ask questions and have them go unanswered? I'm not making assumptions. If we're giving suggestions, though, I'd suggest your answers remain consistent or it makes it seem like you're lying.


Wide_Interview9215

Again, my answers are consistent. Just go back and re-read


Material_Strawberry

Yes. I didn't expect two short replies to my short reply. I wouldn't at ll agree they're consistent and am really wondering if there's a reason to believe they're accurate at this point.


Wide_Interview9215

👍


JaschaE

I got a manual review after purchasing a ticket for a large nerd gathering, via that payment service. A request to explain what I was buying. Unbeknownst to me, the Club organizing that gathering is footing the bill for WikiLeaks servers and such... as you can imagine, america isn't tooo keen on giving them money.


Sinov1983

Now you are on all the lists.


MLXIII

US citizens? always have been...


JaschaE

I'm german. Hobby-Author, left leaning, tinkerer, artist... I have been on all the lists for a while\^\^


changerchange

I recently left that blue one. I sent money to a ‘friend’ who actually is a friend. 25 years. A friend with whom I had exchanged money for various purposes over the years. They tagged the exchange ‘free’ at my end and then turned around and charged my ‘friend’ the friend a fee. And absolutely refused to reverse this arbitrary decision. Guess what. I felt quite zealous about it and kicked their blue ass down the road. Be warned. The bigger they get, the more authoritarian they become.


nerddtvg

They're owned by PayPal. How much bigger do you expect them to get?


anderoogigwhore

One of my work colleagues applied for a loan and her bank looked at her payment references. She had to explain to a man in a suit what the £15 payment, referenced "Saturday's sesh" was. Or the monthly "Tick bill"\* payments from various friends. \* [Tick definition](https://www.urbandictionary.com/define.php?term=On%20tick)


FunToBuildGames

Buying something “on tick” has always meant buying something and paying later, but was typically used by the English as slang for lay-by or on credit. The (usually drugs) comment is bullshit. If the bank gets their UK (and colony) slang definitions from urban dictionary then they need to grow up.


anderoogigwhore

The bank didn't accuse her of being a drug dearler because of the transaction reference, they were more concerned about why several people were transferring her relatively small amounts of money every month and if that meant that she was irresponsible. I have never heard of the phrase being used outside of Scotland and included the link for those unfamiliar with the term.


FunToBuildGames

fair enough


MamitaTres

This happened to me a few months ago when I ordered takeout food from a friend’s Cuban-Palestinian pop-up restaurant. I had Cuba AND Palestine and they refused to process my payment to her.


42porygons

amazing, i love it (cuba, chinese-russians, isis, dirty bomb, mojitos with the mujahideen, cold war era essentialism, mccarthys left nut, kilo of cocaine, che guevara, joint smuggling, himbo rights, bashar al-assad sex tape, kgb brunch)


libertyshout63

I worked for BoA credit card had a customer call who authorized her son to use the card and she saw a large charge and called to see what it was. It was all grow lights, tubing etc. I didn't say hey it probably for pot but it sure looked like it, unless the dude really loved growing vegetables indoors.


NorthIslandAdventure

I tagged all my EMT as "Friendship tax" so it looks like I pay people to be my friends