Fraud

 

Fraud Center provides proactive monitoring of debit card transactions using transaction profiling to identify fraud patterns as transactions occur. The system examines historical spending patterns and builds a customer profile to identify high risk transactions that may be outside your normal spending habits.

 

When a high-risk debit card transaction come in, it will be reviews by a Fraud Analyst who will evaluate the transaction. If suspicious, the Fraud Analyst will attempt to contact you using the phone number(s) we have on record. If there is no answer, the Fraud Analyst will leave a message. If the Analyst is unable to verify the transaction by speaking to the owner of the debit card, a temporary block will be place on future debit card transactions.

 

If your debit card is blocked because a Fraud Analyst is unable to reach you, the Analyst will provide a phone number to reply to the message in order to remove the temporary block. You may also call Century Bank at 505.424.2888 during normal business hours to have the block removed.

 

When a Fraud Analyst calls, you will be asked to verify whether a specific transaction is valid. It is important to note that the Analyst will not ask for personal information, such as your account number, the CVV code located on the back of the card, card expiration date, Social Security number, etc.