Branch Name

: AmBank Metropolis branch

Region/ District : Region 4 District 4
Date of Observe : 24 January 28 January 2014
ITEM
1.0

2.0

3.0

4.0

AREAS OF COVERAGE
Security guard reporting late for duty
On 27/01/2014 and 28/01/2014, the
armed guard from Armor Security
reported late from work. In order to meet
its customer service obligation, branch
had no choice but to open the vault
without an armed guard being present in
the premises.
Teller drawer are not locked.
Based on observation there is one teller
did not locked her drawer when away
from her workstation on 24/01/2014
( Eryanti Mohd Idris Counter 3). Staff
are not alert enough and failed to comply
and guidelines.
Cash Handling
Teller from counter 2 (Shazlinna Mazlan)
left her cash on table in front of customer
and away from teller workstation. Main
cashier , Mohammmad Afni saw the
incident and asked teller to deposit the
cash and locked the drawer.
Security Items & Security Documents
BM did not perform monthly surprise
stock count on the security items and no
initial at the remarks column at the
Stock in Reserve Register as evidence
checking since month of October and
November 2013.
Failure to destroy existing GIA Investment
Receipt.
- Refer to Frontline Flash dated
09/01/2014, branches are required to
discontinue the issuance of existing
GIA Investment Receipt effective
immediately and destroy the stock of
the receipt as per Banks standard
process of destroying security item.
Road tax sticker was not properly
handled by dual custody. Only one
custodian (Nurrini Rosli) who initial at the
Balance of Road Tax sticker Register
before kept to the Vault with one padlock.

ACTION TAKEN

5.0

No dual control may lead to false

balance/ fraud and loss.
During the observation on 24/01/2014, all
e-AmBiz tokens was kept by HOS
together with ATM Pin Mailer in one box.
HOS passed the box to the other
custodians which is contains with the
ATM pin Mailer. Furthermore, there is no
evidence or acknowledged by the
custodians that the e-Ambiz token has
been daily passed to the appointed
custodians. Its may lead fraud and
manipulation since no evidence by all
custodian
Based on observation on 27/01/2014, no
register for HP Returned Agreement from
year 2012 and no evidence customer has
been informed via phone. HP return
agreement also has been kept at the
place which is can accessing by all staff.
During surprise stock count on
27/01/2013, found that ATM Pin Mailers
and ATM PMPC card was kept together in
same vault . Furthermore, new stock
(ATM PMPC and Pin Mailers) arrived was
counted and kept until at end of the day
by Muhammad Afni which is not ATM
custodian. ATM PMPC card and ATM pin
Mailers custodian only signed at the
acknowledgement letter. In this case, it
may lead fraudulent due to lack of dual
control by both custodian.
Motor Insurance
During observation on 27/01/2014, one
staff has been found issued cover note
motor insurance without license
(Maheinthery AP Sundran). Refer to Kalai
email, motor insurance only can be
issued by staff who had license. Branch
failed to comply & guidelines.
At the end of the day RMB52 report was
printout by CSR and checklist was
prepared by Wan Mizana (Accounts
Clerk). FIM388B was printout on the next
day and checked by Rosminawati A
Manap (FLE). Second custodian who has
been appointed to this task is Lim Ai Lee,
Belinda but Belinda officially resigned on
23rd January 2014. Until now there is no

6.0

7.0

alternate for this task if Rosminawati

absent/MC.
SDS Report
SDS report- list of account /signature
validate was not delete by staff even the
signature has been validated the day
account open.
Remittance
From random checking, we found all
transaction using old (small) Remittance
Application Form (RAF) teller did not
stamp Original Sighted/ID Verified.
There is no evidence on applicants ID.
However for new RAF, there is preprinted
column for ID verified and branch did
verified on it.
We found a few transaction of remittance
(IBG/Swift/Rentas) were perfunctorily
authorized by officer. Sample transaction
taken;
- One Swift transaction dated
8/1/2014- no teller and officers initial
on it.
- One Rentas transaction dated
20/1/2014 only have tellers initial
on ID Verified.
- One IBG transaction dated 8/1/2014no officers initial.
rd
3 parties acknowledged receipt on the
reverse side of the RAF was not
completed. We found one transaction CO
was acknowledged by 3rd party by signing
only. No indication of name and ID
number.
There are few remittance transaction was
done by instruction letter via fax only.
Branch did inform there are LOI for such
instruction. However, there is no proper
filing as the original letter was not
attached and signed to the faxed copy.
No printout as evidence of AMLA
checking for remittance transaction.
For rejected IBG, branch did not practice
separate filing. We found one rejected
IBG is belong to Auto Finance Dept.
Account department branch only confirm
verbally with the department for
retransmission.
Branch do not have proper filing for

Teller to stamp
Original Sighted/ID
Verified as evidence
of checking

Remittance transaction. We found there

are a transaction was filing without letter
of instruction by customer. RAF was
remarked by apla only.