What is a red flag that indicates potential fraud during account opening?

Inconsistent information on documents presented is a significant red flag that signifies potential fraud during the account opening process. When a customer submits identification or other documentation for verification, the information should align across different documents. Discrepancies, such as variations in names, addresses, or Social Security numbers, can indicate that the applicant may be attempting to hide their true identity or may not be providing truthful information about their background. This inconsistency raises concerns about the legitimacy of the application and prompts further scrutiny to protect the bank from fraudulent activities.

While the other options also suggest suspicious behavior, inconsistent documentation is particularly telling because it directly reflects the integrity of the information provided by the individual. Proper verification practices are crucial in the banking industry to mitigate risks associated with fraud, making this a central focus during the account opening process.