Navy Cash Standard Operating Procedures - Financial Management ...

Working Draftd. Automated Controls. To prevent cardholders from abusing the system, Navy Cash hasestablished returned transaction thresholds. Every time a cardholder posts an NSF transaction tothe Navy Cash system, a “counter” records the event. When a cardholder’s counter reaches alimit of three NSF transactions, the ability to access their DDA account from the Navy Cashsystem is blocked. Once the DDA functionality is removed from a cardholder’s Navy Cashaccount, the only way it can be restored is upon a request to the Customer Service Center (CSC)from an authorized Disbursing Officer or Disbursing Clerk. It is important to realize that everyNSF transaction advances the counter. It is also important to note that these controls do not gointo place until the bank receives the information. Therefore, the cardholder may have theopportunity to create multiple NSF transactions prior to controls being implemented.e. Fraud Detection Report. In the event the Navy Cash application detects possiblefraudulent ACH activity on the ship, a pop-up window will appear automatically. If theDisbursing Officer clicks the “Yes” button, the Fraud Detection Report will be displayed. Thereport is intended to reduce the number of negative account balances, particularly when the ship'scommunications are not available. If the file transfer round trips between ship and shore do nottake place, cardholders could pull non-existent funds from their bank or credit union account tothe chip several times before Disbursing would see the Negative Balance and Returned ItemsDetail Reports. Fraud Detection Reports will include cardholders who have made more than$400 in transfers from a bank or credit union account since the last round trip and cardholderswho have made more than $1,000 in transfers from a bank or credit union account over a sevenNC SOP Ver 1.12 Chpt 8 Disbursing.doc 8-128 16-Aug-07