Non-Deposit Investment Sales Practices
Non-Deposit Investment Products (NDIP) Mystery Shopping
The sale of bank marketed investment non-deposit investment products (NDIP) is regulated by a number of government and industry regulatory agencies. One of the key purposes of this regulation is to avoid confusion between non-deposit and deposit products.
Kinēsis’ investment sales mystery-shopping program provides clients with detailed information about the investment sales practices, such as:
- Appropriate referral practices,
- Content and timing of oral disclosures,
- Setting and circumstances of the sale,
- Non-FDIC insurance coverage or guarantees,
- Level of probing prior to a recommendation,
- Suitability of recommendations,
- Signage, and
- Appropriateness of collateral material.
Other Compliance Programs
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Our truth in savings mystery shop program is designed to evaluate the presence, timing and accuracy of annual percentage yield (APY) quotes. |
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Kinēsis’ truth in lending mystery shop program evaluates the presence, timing and accuracy of oral and written annual percentage rate (APR) quotes. |
Click here for a blog post describing the positive relationship between compliance and sales effectiveness,:
“Kinēsis delivers a refreshingly simple and user-friendly web publishing system, backed by a professional and responsive team. The feedback serves as a great training tool and the information has had a great impact on our overall customer service achievements.”
- Kim Piotrowski, Columbia Bank