On one hand, there are the carefully crafted "sweet traps" of criminals; on the other hand, there are the keen eyes of banking professionals. Located at a crucial stage in the flow of funds, financial institutions have become the front line in safeguarding the public's property. Recently, Zhejiang Chouzhou Commercial Bank (hereinafter referred to as "Chouzhou Bank"), relying on its digital early warning technology, professional judgment, and efficient collaboration mechanism, assisted the police in cracking multiple fraud cases, effectively protecting the property safety of the people.
Cross-domain tracking cuts off hidden money laundering chains
On November 12, the operational early warning system of the Jiaxing Yongjia Microfinance Branch of Chouzhou Bank detected an anomaly. The transaction patterns of customers Dong and Deng's accounts were highly suspicious: large amounts of funds from different regions across the country flowed into their accounts within a short period, with most individual transactions hovering around the 4,999 and 5,000 yuan "critical range," clearly inconsistent with their usual business transaction patterns. Based on accumulated experience, the branch initially determined that the accounts were involved in "flying code" fraud and urgently contacted the local anti-fraud center for assistance. In these types of cases, suspects often use other people's real accounts as "transfer stations" to quickly split and transfer illicit funds, thereby evading supervision and "laundering" money.
Time is money; every minute of delay could mean irreversible losses for the victims. With time of the essence, the branch immediately established a special task force to investigate. Based on transaction information provided by the police, they contacted each person involved in the transactions by phone. After several days of arduous communication and cross-referencing, it was finally confirmed that all the funds were suspected of being involved in fraud. To help the victims recover their losses as quickly as possible, the staff of the Yongjia branch took the initiative, divided the work among themselves, and patiently guided each victim to report the case to the local public security bureau, continuously collaborating with police in various locations to expedite the complex process of fund return. As of the end of November, three cases of defrauded funds had been successfully recovered. "Thanks to your sense of responsibility and professionalism, otherwise my money would have been gone!" wrote Ms. Xu, one of the victims, in her thank-you letter. Throughout the entire process, the staff of the Yongjia branch of Chouzhou Bank promptly shared the progress of the work, patiently answered questions, and the team's professionalism and pragmatic attitude of "putting customers' needs first" made the victims feel reassured and supported during their anxious journey to recover their losses.
A strong crackdown to prevent the misappropriation of millions of yuan in funds
Three months ago, Chouzhou Bank's risk control system detected a crucial clue: a customer's account had received multiple, frequent, and cumulative transfers from individuals in different locations within a very short period, totaling 1.28 million yuan. Upon careful investigation, the counterparties to these transactions included both accounts already flagged for fraud and several suspected victims. Realizing the strong suspicion of fraud, Chouzhou Bank immediately contacted the counterparties' banks to verify the situation. However, all the payers of the 1.28 million yuan claimed the funds were used for purchasing engineering materials or trading in secondhand luxury goods, denying any fraud. Upon discovering the account was locked, the account holder submitted 10 "secondhand luxury goods transaction contracts" online to prove their innocence and request the lifting of restrictions. The "contracts" featured highly similar handwriting, lacked key product information, and the phone numbers could not be verified. Faced with numerous suspicious points, the reviewers decisively decided to maintain the control measures and requested the customer to provide supplementary supporting materials. However, the customer consistently made excuses and failed to provide any substantial proof.
Amid the stalemate over whether or not the account would be unblocked, a turning point finally emerged in mid-October. A payer from Xi'an called, regretfully explaining that he had transferred money to invest in a certain "financial management app" and only now realized he had been scammed, and was preparing to report the case to the police. This call solidified the account's involvement in the case, and Chouzhou Bank quickly integrated all clues and suspect information, immediately requesting intervention from the local anti-fraud center.
On the morning of October 31, the account holder and two companions went to the counter of Chouzhou Bank, again requesting the account to be unblocked. The branch manager calmed the "customers" while activating the emergency plan, quickly reporting the situation to the anti-fraud center. Minutes later, police officers arrived at the scene, apprehended the three suspects on the spot, and successfully intercepted 1.28 million yuan in fraudulent funds.
Moving the defense line forward: Cultivating anti-fraud awareness
Behind the bank's keen front-line vigilance and efficient back-office handling lies Chouzhou Bank's daily commitment to multi-level, comprehensive, and routine anti-fraud publicity and education. Recognizing the importance of robust internal capabilities, the bank leverages data to enhance the accuracy of risk management, systematically advancing the construction of an integrated anti-fraud platform and establishing a standardized process for handling abnormal transactions. Furthermore, the bank regularly conducts comprehensive anti-fraud training for all employees, deeply analyzing typical cases, reiterating operational standards, and comprehensively improving employees' risk identification, verification, and handling capabilities, thus solidifying the professional foundation for frontline anti-fraud work.
What's even more distinctive is that Chouzhou Bank proactively extends its service reach, venturing into the streets and alleys to embed financial knowledge into everyday life. In Lishui, the Jinyun branch visited local kindergartens, integrating anti-fraud knowledge into interactive games and story scenarios tailored to the cognitive characteristics of young children. Through simulated scenarios such as "impersonating parents or acquaintances" and "winning skins in games," the bank conveyed the safety principles of "not easily believing, not revealing personal information, and not transferring money" amidst laughter and joy. Meanwhile, customer managers from the Cixi branch, wearing red vests, went into the bustling vegetable market, engaging with middle-aged and elderly people and individual business owners in local dialect, clearly dismantling scams such as "pension application services" and "brushing orders for rebates." Focusing on common traps in daily life, such as "The other party says my social security card is abnormal, should I believe it?" and "Can I click on this link in a text message?", the Ningbo branch of Chouzhou Bank also visited entrepreneurial parks, conducting a "avoiding traps" discussion with frontline workers. Everyone shared suspicious calls and text messages they had recently received, fostering anti-fraud awareness through interactive exchanges.
Working hand in hand with the police and all sectors of society, in this war without gunfire, Chouzhou Bank has demonstrated both the precision and efficiency of technological defenses and the compassionate commitment of human resources, building a financial barrier for the safety of people's property with professionalism and a sense of responsibility. Moving forward, Chouzhou Bank will continue to deepen the police-bank cooperation mechanism, iterate and optimize its risk control model, and promote anti-fraud awareness campaigns to extend comprehensively to communities, businesses, shopping malls, and schools, contributing even more to maintaining regional financial security and social stability.
