Banks will be obliged to identify employees who are accomplices of credit fraudsters

Banks will have to identify employees who knowingly or involuntarily assist fraudsters in obtaining loans for victims. Such a proposal was approved at a meeting of the Expert Council on Consumer Protection of the Central Bank's financial Market, sources told Izvestia and the participants of the event confirmed.

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The condition will be the initiation of a criminal case.

Currently, there is no clear mechanism that obliges banks to identify such employees and apply measures to them. At the meeting, the EC of the Central Bank proposed to develop recommendations for organizations that they could use when preparing their internal regulations.

First of all, it is proposed to include an internal investigation into each incident. After receiving information about the issuance of a loan under the influence of fraudsters, the bank must examine the entire issuance procedure within a certain period of time. To do this, you will need to conduct a survey of employees, view recordings from video cameras, analyze scoring results, etc.

"The study examines the nature of human behavior, the dialogue accompanying the application, signing the contract, receiving money, the timing of the decision by the credit institution and the aspects that influenced the approval of the issue," explained one of the interlocutors of the publication.

The results obtained will allow not only to identify the accomplice of fraudsters, but also to introduce additional verification triggers into anti-fraud procedures.

The initiative is aimed at implementing the law on combating credit fraud, which will enter into force on September 1, 2025. It contains a set of necessary measures that banks must implement to prevent the issuance of borrowed funds without the consent of the client or consent obtained under the influence of social engineering.

The authors of the proposal were also based on a speech at the Ural Forum by the head of the Central Bank, Elvira Nabiullina, on the need to introduce personal responsibility for gaps in banks' anti-fraud procedures.