Ref. No.:
AIPSBCOEA/CHQ/ Input/Suggestion on prevention of Fraud/2019 dated- 16.9.19
To
The Secretary,
Department of Posts,
Dak Bhawan, Sansad Marg,
New Delhi – 110 001.
Sub: Submission of Input/Suggestion on Prevention of Frauds reg…
Ref:
No.25-11/2016-FS-CBS,Govt of India, Ministry of Communication,
Department of Post(F.S Division)
dated 11.9.19 at Dak Bhawan New Delhi- 110 001.
Sir,
Input/Suggestion
on prevention of frauds in CBS Post Offices:
In the recent memo No.25-11/2016-FS-CBS,Govt of
India, Ministry of Communication,
Department of Post(F.S Division) dated 11.9.19 at
Dak Bhawan New Delhi-110 001 regarding input /suggestion on prevention of
frauds in CBS Post Offices, the third point is about Signature checking of all
closed accounts by SBCO in Finacle.
The duties of SBCO are already
well defined in Manual for SB Control, Pairing & ICO
Procedure.Accordingly the SBCO staff are exercising the decentralized Audit
& Accounts duties and their work actually starts after accounting of
the transactions. SBCO has to exercise the Audit work, (ie) thorough checking
of all the mandatory items by doing 100% voucher checking including all
closures as per control procedure laid down for SBCO and the SB ORDER 14/2015
and the Addendums w.r.t the AOF forms/SB-3 cards for signature of depositors.
But, checking the signature in Finacle is not laid down in the Control
Procedure of SBCO and it is irrelevant to SBCO where as it is a prime duty on
the part of the counter staff and APM only before effecting payment of amount to the depositor to prevent
Fraud.
The second point in the memo
number mentioned above regarding sending of closure passbooks to SBCO along with the closure form
SB-7A will not prevent fraud in any way
as Pass book is not mandatory for doing transactions across the counter in CBS
environment. The entries are not being made at regular
intervals in the PBs vide the printers and only manual entries are made by
posting the last transaction along with the BAT in the PB. Also nowadays amount
can not only be withdrawn through ATMs but also closed, transferred from POSB
to IPPB and from IPPB to any other bank account
without passbook.
Closure of accounts may be done
with Aadhar enabled verification (finger print matching/Irish matching).The
customers those who are unable to come to post offices may be given door step
service for Aadhaar enabled verification with service charge. If door step
service cannot be provided then inspecting officers may verify the genuineness
by meeting the customers personally.
It is irony that the objection memos raised by SBCO must be paid
serious attention and be settled without delay in Post offices which is the
responsibility of the concerned postmasters as mentioned in the SB ORDER
14/2015 but, it is not adhered to. Instead reports are being asked from
SBCO for early settlement of the same which is another reason for occurrence of
frauds.
There is acute shortage of
manpower at every level right from MTS to PA cadre which is the main reason of
occurrence of frauds. The work of two to three PAs are done by a singe SBCO PA
in most of the units and almost all H.Os
are running without the supervisors
except very few which are managed by the junior officials who have just
entered the department. The Association has already written letter regarding
cadre restructuring to SBCO cadre to solve ths problem vide Ref. No: AIPSBCOEA/CHQ/Ca dre restructure/2019 Dated- 28.08.2019. The shortage of manpower is experienced at the level of the General line PAs also which pave way to the persons who do frauds intentionally and
make the innocent officials the scalp
goats. A drive for recruitment may be conducted and vacancies may be filled
upto the sanctioned strength as a one time measure.
The
Silent revival (revival of dormant accounts) ,freezing and unfreezing of a/cs with heavy amounts and exceeding the
prescribed limits, transfers of sols, closures of B.Os / Single handed SOs accounts , issue of duplicate Passbooks,
issue of ATM cards , issue of cheque books
may be sent to the concerned H.Os for doing the same after verification
by two Supervisors(APMs). A separate PA may be spared for the same like that done for the claim sanction cases as of now.
The
higher value verification memos to be prepared every day at the SB branch and
sent to the inspecting authorities who should verify the genuineness on
daily basis by meeting the depositors
personally and report the same.
Our Association would like to
bring to the kind notice of the administration that prevention of Frauds can be
done only by evolving necessary some additional ways and means at
counter level before effecting payment
of amount to the customer and by entrusting the verification of genuineness of
payment to the inspecting officers/field officers by visiting the depositors
personally.
It is requested that the
suggestions given above may be taken
into consideration so that the
Frauds can be prevented to some extent
as the same have been heeped in crores of amount after implementation of Finacle and CBS in
savings bank comparatively more than when sanjay post was in usage. Hence the
infrastructure and technology may be improved in such a way that except the
depositor nobody can withdraw his money by linking
Aadhaar , SMS alerts,OTP generation for closures and by making photograph of
depositor mandatory which should be scanned for identification during payment
of money at the counter. The Biometric method of payment was already suggested
by our Association vide letter dated 1.3.17
which was the first item in the 25 charter of demands and the minutes
was received for the same by 21.4.2017 in which the suggestion was not taken
into account. Atleast now the same may be implemented to prevent the fraud upto
90% by biometric method.
SBCO section is responsible for its
routine work of audit nature only (ie) downloading the datas from Finacle and
finding out any violation of prescribed rules while carrying out voucher checking with utmost concentration
and raising of objections if needed.
The
term AUDIT defines “an official inspection of an organizations account by an
independent body and it cannot be expected to detect every fraud”.
The SBCO wing is doing the Audit
work and hence may not be fixed as the
co-offenders or sub-offenders which is against justice of nature as SBCO
officials are in no way connected with the monetary transactions taking place across the counter directly.Many
innocent SBCO officials are already being pulled inside the trap by some way or
another and penalized with the recovery under contributory negligence , hence
it is requested that the act of injustice
needed to be stopped immediately. The verification of signature in
finacle and giving the closed passbooks
to SBCO will not prevent frauds instead it will pave way to penalize the SBCO officials
who are already over burdened with work done by SOSB, Sub accounts, CC bridge ,
vide many orders issued day by day. It
is therefore requested that instead of issuing some orders day by day a meeting
may be called for with the concerned branches with their representatives along
with the technology team to sit and discuss the ground reality and follow the
measures which will be suggested by them.
The FRMU alert verification is
also entrusted to SBCO which is an additional work and it is already emphasized
by the Association that the same may be verified by the
inspecting/investigating authorities or by a centralized team at RO/CO to serve
the real purpose of prevention of Frauds vide the Association’s letter Ref. No.: AIPSBCOEA/CHQ/FRMU/2019 dated 28.8.19.
Hence both point number 2 and 3
mentioned in the memo No.25-11/2016-FS-CBS,Govt of India, Ministry of
Communication, Department of Post(F.S Division) dated 11.9.19 at Dak Bhawan New
Delhi-110 001 regarding prevention of Frauds may please be dispensed with as it is an extra
burdern on SBCO and will only make the voucher checking pending in under
staffed situation and not prevent the Fraud. Hope the administration would
understand the core of the suggestions given by the Association and implement
it favourably for the smooth functioning of POSB and SBCO cadre.
With Regards,
Yours Sincerely,
-Sd-
(SHP. JASMINE JALAL BEGAM)
General Secretary
Copy To:
The
Assistant Director (SBPG)
F.S
Division
Dak
Bhawan New Delhi -110001.
-Sd-
(SHP. JASMINE JALAL BEGAM)
General Secretary
No comments:
Post a Comment