This Is Why We Have These Meetings

, , , , , , | Working | May 26, 2020

We have an all store meeting on a Sunday morning where they have multiple stations set up to have all employees working their opening and closing pitches to customers. It is some major push with corporate to better understand customers through pitching them products or some such nonsense.

As I work in the service department, it doesn’t apply to my direct coworkers or me, but we have to show up anyway. One of the stations, though, is actually with the customer service workers who are going over ways to avoid fraud. One of the store managers who is directly over customer service is there, too.

All the employees are put into groups. My group is the third group to go to this station, so two others have already gone. 

Representative #1: “We need to make sure that, on checks, the name on the check matches their driver’s ID as well as address. Standard operating procedure is to write the customer’s ID number on the check.”

Manager: “If the customer has stolen a debit card but has the PIN, there really isn’t much we can do since we never look at the debit card if they put in the PIN. With a credit card or a transaction going through as credit, though, we can stop fraud completely because we have to put in the CID number on the back of the card so we can match the card with the customer’s ID.”

Representative #2: “Honestly, it doesn’t matter if the name isn’t right because the whole thing would be between the person who had the card stolen and that person’s bank. So, we could technically stay out of it.”

Me: “So… when it comes to cards we don’t need to stop fraud or have no way of doing it?”

Manager: “With debits, not really, but with credit cards, you match the ID. Weren’t you listening?”

Me: “I was, but [Representative #2] just said that really the whole thing is between the person who lost the card and the bank. So, we can catch the fraud but honestly, there isn’t a point to if we still get paid and the person who lost the card isn’t technically on the hook for the charges applied to the card. Basically talking about cards at all is kind of useless.”

Manager: “Well… I mean, we can stop fraud by looking at the ID.”

Representative #2: *To me* “But it doesn’t matter since it’s between the bank and the person.”

Me: “Yep, we can stop fraud by looking at the ID of the person with the credit card, but if we were to skip that entirely and just take the card, the person who had the card stolen could call their bank and not be on the hook for those charges.”

Representative #1, Representative #2, and Manager: “Yes.”

Me: “We’re the third group through here, right?”

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