Jiangsu Bank Beijing Shijingshan Branch: Racing against time to successfully safeguard an 80-year-old's 350,000 yuan retirement fund

Recently, the wealth management manager at Jiangsu Bank’s Beijing Shijingshan Branch received an abnormal alert from the work platform: an 80-year-old client, Aunt Yin, transferred her fixed deposit to a current account. With years of frontline experience, the manager immediately called Aunt Yin to verify the situation. Aunt Yin stated she was about to move to another city to live, and her funds would be used to purchase property there. This explanation immediately raised the manager’s suspicion—Aunt Yin usually leads a stable life, is frugal with expenses, and her daughter works in Beijing. Suddenly moving out of town and withdrawing a large sum of money is highly inconsistent with her usual profile, indicating she may have fallen victim to telecom and online fraud!

After receiving the manager’s report, the branch, led by the head of the branch and the operations director, promptly activated the anti-fraud emergency plan. A “fund protection battle” to safeguard the client’s assets was quickly underway at the three-foot counter. Through analysis, it was found that the details of this incident closely resembled recent high-frequency fraud cases in the area, making it highly likely that Aunt Yin was a victim of telecom and online scams. To minimize potential financial loss, the branch quickly imposed temporary controls on Aunt Yin’s account, which would be lifted after further verification of the true purpose of the funds.

Subsequent investigation revealed that Aunt Yin’s 750,000 yuan fixed deposit had been fully transferred to a current account, with 400,000 yuan transferred to an account at another bank under the same name. The remaining 350,000 yuan had not yet been transferred due to the branch’s timely control measures. The branch manager called Aunt Yin again to verify the transfer purpose in detail. Unexpectedly, Aunt Yin, who had been gentle and kind, refused to answer any questions forcefully. After multiple warnings about the risks and attempts to persuade her to delay the transfer failed, the manager immediately contacted the local police station to explain the case and accompanied the police to Aunt Yin’s home. Branch staff and police conducted a patient one-hour counseling session with Aunt Yin, referencing multiple typical telecom and online scam cases. With joint efforts, Aunt Yin finally recognized the scam tactics and completely abandoned her transfer plans.

The next day, the anti-fraud center confirmed that Aunt Yin had fallen victim to a typical “impersonation of public security, prosecutors, or courts” telecom and online scam. The branch’s timely control and patient counseling successfully prevented a loss of 350,000 yuan. Subsequently, the local police issued a commendation to the branch, highly praising its quick coordination with law enforcement and professional risk management.

Regarding the funds that Aunt Yin had already transferred out, a relevant person from Jiangsu Bank’s Beijing Shijingshan Branch stated they will continue to follow the case’s progress, actively cooperate with the police in tracing the funds, and provide professional support to help recover the client’s losses. Moving forward, the branch will continue to deepen its anti-fraud efforts, utilizing more professional risk identification and faster emergency response capabilities to build a solid financial security barrier for consumers’ “money bags.”