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The main motivation for the small-talk, personal notes, special invitations, etc is building a "banking relationship" with the customer over a period of time to facilitate the upsell of premium bank accounts, business loans, mortgage refinancing, mutual funds, annuities, insurance, etc; are salespeople these days.
Fraud prevention is truly secondary, an after-thought, to the primary mission of bank tellers (aka relationship specialists, etc) of pushing more financial products.
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Domagon - Website Management and Domain Name Sales
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