Page 48 - GIADA-April2017

TECHNOLOGY

Remote Deliveries: Proceed With Caution

When it comes to out-of-state deliveries, the magazine’s resident compliance
guru says proceed with caution. He lays out a simple process for guarding your

dealership against ID thieves.

BY GIL VAN OVER, EXECUTIVE DIRECTOR OF AUTOMOTIVE COMPLIANCE EDUCATION

The digital evolution is not necessarily an You might ask why the customer is trying to send a notary to the customer’s residence
overnight event. In fact, I recall working purchase from you — particularly if the ve- to complete the signing of all paperwork.
on a laser printing and digital solution for hicle is a model you have a 100-day supply Alternatively, send the paperwork to the
dealers in the early ’90s. Like the revamping of. Check whether the customer has done address on the credit application with de-
of many processes, there were some road- business with you before. Pull up a satellite livery signature required. Note every spot
blocks to clear. But that didn’t stop prog- image of the residence address. Be careful the customer is to sign and require the sig-
ress, did it? if you find a warehouse or a campground. natures be notarized.

For several great reasons, the industry is 2. Vet the identity provided: You are fa- 5. Deliver the vehicle: Many of the out-of-
moving into the digital world. Even with miliar with the IDs generated from your area deliveries that became identity theft
the advantages this shift brings, some risks state and maybe even neighboring states. cases have a common thread: The thief
have also amplified. Going digital also You may not be so familiar with a state ID called the driver of the shipping company
means clearing some roadblocks for identity or driver’s license from another region. Use and had the delivery diverted to an alterna-
thieves, potentially making it easier to steal a search engine to view images of valid state tive address. Make certain to get it in writ-
a victim’s identity and your inventory. Out- IDs and licenses and review the ID against ing that the shipping company is to contact
of-area deliveries are an excellent example. the images in the National Automobile you if such a request is made before con-
Dealers Association (NADA)’s Title and Li- tinuing with the delivery.
An out-of-area delivery is any transaction cense Guidebook.
in which the customer lives outside the Taking some of these precautions can help
dealer’s geographic footprint. Some ID Finally, ask for a second photo ID, and con- to avoid some of the angst of identity theft.
theft cases involved customers who visited firm that the wear and tear on both IDs Good luck and good selling! n
a dealership a few states away from the vic- are consistent with their age. If the ID was __________________________________
tim’s residence with manufactured identity issued three years ago and appears brand Gil Van Over is the executive director of
and stips. In other cases, the ID thief con- new, watch out. Automotive Compliance Education (ACE)
ducted the entire transaction by phone and and the founder and president of gvo3 &
internet and the vehicle was shipped. 3. Complete the Red Flags review: Most Associates. Email him at gvo@bobit.com.
dealers today use an automated process to
When you dissect an identity theft case, conduct the bulk of their federally mandat-
you will likely find some signs which, if in- ed Red Flags review. With authorization to RECEIVE 15% OFF
vestigated, may have prevented the crime. pull a credit report in hand, run the review.
If the customer lives outside your market, If there are any Red Flags, proceed with YOUR FIRST
has never done business with you before, your clearing process and retain your doc-
and never steps foot in the dealership, pro- umentation. ORDER OF FORMS
ceed with caution. Enter coupon code
Use the available out-of-wallet questions as
Your out-of-area delivery process should an added precaution, particularly if the cus- at checkout:
be a separate and distinct part of your sales tomer is not and will not be in the dealer-
and F&I policy manual. It should include ship. Some dealers have started leveraging GIADA15
the following steps: the ability to Facetime with the customer as
another approach to verify the customer’s giada.org/dealersupplies
1. Obtain and vet the credit app: The cred- appearance vis-à-vis the identity provided. LIMITED TIME OFFER.
it application is one of the first signals of an EXPIRES APRIL 30, 2017.
out-of-area delivery. When the customer’s 4. Complete the paperwork: For those
address is outside the dealer’s geograph- customers to whom you have decided to
ic footprint, immediately start the vetting ship the paperwork, you should seriously
process. consider using available services that will

46 | GIADA Independent Auto Dealer APRIL 2017