Payee and Beneficiary Integrity Review
New payees, dormant records, and account-number changes that the transfer approval never sees.
9–14 business days · from MYR 16,800 · informational
We examine how payee create, amend, and deactivate requests move through the mobile banking application, then test a sample of beneficiary changes against supporting evidence. The review flags duplicate account numbers, shared names across devices, and changes that bypassed the stated cooling-off or dual-control step—issues that later look like ordinary transfers.
What is included
- Payee create and amend path walkthrough
- Duplicate and shared-account sample testing
- Cooling-off and device-change log notes
- Recommended beneficiary-control list
