📘 Intro to U.S Financial Regulations for Tellers
Step Type: Intro Video
In this short introduction, tellers discover how U.S. regulators like FinCEN, the FDIC, and the CFPB connect to their daily responsibilities. The video sets the stage for the U.S. Regulators 101 – Teller Edition course, highlighting why accurate reporting, clear communication, and confident handling of compliance tasks are essential to protecting customers and maintaining trust in the financial system.
📘 Teller Responsibilities Under FinCEN (CTR & SAR Basics)
Step Type: Text
What learners will learn: How teller activities feed FinCEN’s mission through accurate CTRs and SAR escalations.
Step Description: Explains teller obligations in cash transactions, structuring red flags, and escalation to the BSA Officer.
Summary of Content: CTR thresholds; structuring; SAR awareness; confidentiality rules.
Key Topics Covered:
CTR requirements ($10k)
Structuring (multiple sub-$10k deposits)
SAR escalation triggers
Confidentiality: no tipping off customers
📘 FDIC Insurance and Teller Disclosures
Step Type: MultiChoice
What learners will learn: How to explain FDIC coverage to customers.
Step Description: Walks tellers through the basics of deposit insurance coverage and how to respond to customer inquiries.
Summary of Content: Coverage limits; account types; common misconceptions.
Key Topics Covered:
FDIC insurance limits ($250,000 per depositor, per bank, per ownership category)
Covered vs. non-covered products
Teller communication do’s/don’ts
📘 CFPB Complaints and Teller Escalation
Step Type: Scenario
What learners will learn: Proper teller responses when customers mention complaints or regulatory escalation.
Step Description: Simulates customer interactions involving complaints, CFPB references, or potential UDAAP issues.
Summary of Content: Escalating complaints; avoiding misleading statements; documenting properly.
Key Topics Covered:
CFPB complaint handling
Teller escalation to supervisor
Avoiding UDAAP (unfair, deceptive, abusive acts)
📘 Teller Boundaries With Investments (SEC/FINRA/NFA)
Step Type: Text
What learners will learn: Where teller responsibilities stop regarding securities and investments.
Step Description: Explains that tellers may receive questions but cannot provide investment advice, only escalate/referral.
Summary of Content: Teller referral boundaries; compliance with SEC/FINRA rules; avoiding misrepresentation.
Key Topics Covered:
Teller boundaries on securities discussions
Proper referral channels
Compliance with securities laws
Extraction Prompt: Extract examiner guidance on teller referral boundaries related to securities, investments, or futures products. Include examples of prohibited teller statements and required escalation/referral protocols.
📘 Teller Role During Regulatory Examinations
Step Type: Streak
What learners will learn: How to respond when regulators (OCC, FDIC, NCUA, Fed) visit a branch.
Step Description: Q&A format training for tellers on examiner interactions.
Summary of Content: Examiner etiquette; accuracy in answers; referral to managers.
Key Topics Covered:
Teller etiquette during exams
Responding factually and briefly
Escalating examiner requests to supervisors