Positive Pay Exception Review

Daily review of checks flagged by positive pay for mismatches. Covers research, customer contact, and pay/return decisions. Takes 15-30 minutes per batch. Best for: Operations staff, business banking support.

3 steps

Banking

Import this template free

Process steps

Review exception details

2 hours from previous step

task

For each flagged check, review the mismatch type: amount difference, check number not in file, payee name mismatch, or duplicate presentment. Pull the check image. Note which exceptions need customer contact vs. clear fraud indicators that warrant immediate return.

Form fields in this step

Exceptions Reviewed *

Clear Fraud Cases

Customer Contact Needed *

Contact customers for decisions

4 hours from previous step

task

Reach out to customers with exceptions requiring their decision. Send check images when possible. Document their pay or return decision. Get authorization in writing when feasible - email confirmation is fine. Note the time and method of contact.

Form fields in this step

Customers Contacted *

Pay Decisions *

Return Decisions *

Unable to Reach

Process pay/return decisions

6 hours from previous step

task

Enter customer decisions into the positive pay system before the cutoff time. For customers you couldn't reach, apply their default decision (most choose return as default). Process fraud returns with appropriate reason codes. Generate exception report for records.

Form fields in this step

Items Paid *

Items Returned *

Processing Completed Before Cutoff *