Kansas Department of Administration

06-a-008 - UMB Bank Fraud Detection (April 27, 2006)

Posted on October 21, 2021 at 12:49 PM by Kansas Department of Administration

DATE: April 27, 2006
SUBJECT: UMB Bank Fraud Detection
A & R CONTACT: Tim Hund (785) 368-6347 (tim.hund@da.state.ks.us)
APPROVAL: signature - Bob Mackey
SUMMARY: UMB Bank is implementing a new fraud detection program for credit card transactions.

UMB Bank (UMB) has recently experienced a significant increase in fraud associated with credit cards. As a result, UMB has developed a new system that deals with early detection of fraud. The system detects unusual activity on credit cards, including State liability Business Procurement Cards (BPCs) and cardless Business Travel Accounts (BTAs) and personal liability Business Travel Cards (BTCs).

If unusual transactions are detected, UMB contacts cardholders to confirm the legitimacy of those transactions. Unusual activities include (but are not limited to) incorrect expiration date usage, the number or amount of charges is larger than normal, or purchases are made at unusual locations. The cardholder will not be requested to provide any additional information other than to confirm that the questioned charges are legitimate.

UMB will not shut-down a card / account unless the cardholder determines that specific charges are not appropriate.


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