144 Money Laundering: A Guide for Criminal Investigators, Third Edition
In addition to the traditional bank-to-bank wires,
customers may be able to perform a variety of elec-
tronic banking services over the telephone or via
computer programs such as Quicken and Microsoft
Money. Wire transfers are documented with credit
memos, and the actual conrmation record of the
wire transfer is kept in a separate le.
4. Night and lobby depositories and automatic teller
machines (ATMs). Businesses can be given key
access to the night depository, usually a locked
box outside the bank. The business’s receipts, in
the form of cash, checks, and credit card slips, are
deposited in envelopes or bank bags and retrieved
the ...