[kwonkicker]

This is preferable. I wouldn't trust a cashier to detect fraud in any trustworthy rate. That wording in the guideline is important. Suspicion of fraud is not fraud. Acting upon employee suspicion would just skyrocket costumer outbursts and complaints.

[CaptainZapp]

In finance it's not that you pick up the phone and call the Money Laundering Hotline of the responsible regulator.

What you do is you contact the internal compliance department where they have the specialists with the necessary knowledge who will further pursue it.

That's drilled into every employee of a financial corporation.

If Wallmart wants to be in the banking business it's not too much to ask to set up such a structure.

[kadoban]

Then they should employ and train people in these roles who could be trusted to do that.

[jjeaff]

Have the employee ask 3 questions.

Are you paying to claim lottery winnings?

Is a nigerian prince asking you to transfer money for them?

Has someone you don't know deposited money in your bank account and needs you to wire cash to someone else?

If the answer is yes to any of those, decline the transfer and give them a pamphlet on common scams. This would take care of about 90% of the problem.

[FireBeyond]

> If the answer is yes to any of those, decline the transfer and give them a pamphlet on common scams. This would take care of about 90% of the problem.

Decline the transfer. You would be surprised on the latter though - people have walked their family through the scam, "No, I still think it's probably legit", even gotten police involved, "ma'am, these people online are scamming you", "But what if they're not?"