The fraud blacklist, many people refer to it as total control, which is actually not very accurate. The formation of such a list is basically because your account has received first-level suspect funds; even if released later, there will be aftereffects. Many people will come to criticize halfway through, saying they have had their cards frozen multiple times and have never received any firsthand black information, so how do you explain that?

I tell you, your card's involved information has appeared more than five times on the anti-fraud platform (multiple stops also count), and it will enter this control list. This is a joint control issued by the uncle department and the bank's head office. The anti-money laundering list is not the same as this involved list; it means you triggered the bank's internal early warning, suspecting a transaction, and the suspicious monitoring rule model has been continuously improved in various financial institutions. However, suspicious transaction analysis, as a means of post-event investigation, often cannot accurately identify and control risks, just like the main analysis of the funding source of suspicious transactions, often resulting in a large number of false reports, missed reports, and defensive reporting due to the inability to obtain effective information and incorrect analysis direction.

The bank will conduct a comprehensive verification of your identity information, including name, ID number, address, contact information, etc. The authenticity of this information will be confirmed through official channels, such as the ID verification system and the corporate credit information network. For example, for individual customers, it is necessary to check whether the ID card they provide is valid and whether it is forged or used fraudulently; for corporate customers, it is necessary to verify the company's registration information, legal representative identity, business scope, etc.

In addition to basic information, we will also have a deeper understanding of your occupation, source of income, business status, etc. For example, for an individual client who claims to be a corporate executive, we need to verify the size, industry status, financial status, etc. of his company to determine whether his income is consistent with his position. For corporate clients, we need to investigate their upstream and downstream partners, transaction models, capital turnover, etc. If the client's source of funds does not match the claimed background, there may be a suspicious situation.