I work as a fraud analyst at a major international bank.

First off, a few suggestions. You mentioned cheques being stolen, you'll have to open a new account, and closed the old one. You can tell your bank to not honor those cheques, but I don't know how competent your bank is and you may still get dinged for NSF fees if more cheques come in. If you get a new account, you're going to have to get a new debit card as well.

I do have some questions to start with. How was the girl able to withdraw money from your account? There must've been a PIN associated with your account, how did she know it? Did you tell her? Was it related to your birthday...maybe your phone number? Sorry if I sound accusing, this is all important in building a case for your bank. In the end, it is ultimately a person that has made a "no pay" decision - you'll have to either convince this person to re-look at your case or take your case higher. You mention video, and yes banks have pictures and videos they can pull, but that takes time to pull. I am sure the analyst looking at your account probably has many cases to go through. They can't be looking at all the available evidence - most likely they just looked at the immediate available and right at the time evidence. In this case, your PIN being used to take out cash. If the analyst sees the PIN, that's usually enough to not warrant getting photos.

Does your bank use "CHIP" debit cards? If so, that probably hurts your case. Any debit or bank card can have their mag stripe replicated, but "CHIP" technology has not be successfully copied yet by fraudsters. The analyst probably saw a chip card being used and figured it was your card being used. I mention this because if only the mag stripe was used to make the transaction then it's possible the card was "skimmed". "CHIP" is still being introduced, but you see it more at Target and Walmart now.

Even if you are going to take it higher, it would be a good idea to ask the analyst who looked at your account to re-open it. Do you know anyone well at your local branch? That person could be your best friend. If that person can "vouch" for you, and say you are a customer in good standing that will be enough to re-open the case or maybe even sway the outcome to your position. Ask to speak to the manager if the analyst is resistant to re-opening your case.

Fill a police report. The police probably won't do much, but filing a police report and charging that person. This case was probably closed because it was labeled as "friendly fraud", as in someone with relations to you knows your PIN. What is to stop people from running scams where they give their card to their friend and asking them to withdraw money on their behalf? There's no way from a bank's perspective to prove this either way. A police report will show decisively that this is not what happened. Once you file the police report, call to your bank's fraud department and give them the police report number, what city police dept, and who you spoke to.

If you don't want to do that, or have gone past this. You can escalate it further. How big is your bank? Do they have a "Social Media Team"? If they do, post about your bad experience on Facebook and especially Twitter with key hashtags, that team will find you and try to solve the problem. They don't have much sway, but my department will listen to them like we listen to any employee.

If that doesn't work, you can contact your bank's "Office of the President/CEO". Most banks have this, and is basically the bank's last line of escalation. These guys do have a lot of sway, and we listen and document every conversation with them. It doesn't mean we'll just give money back though. If we think we did a solid job and didn't mess up, the decision will probably stand. But you'll get a solid look at your account again, and may get the benefit of the doubt.

Lastly if that doesn't work, there is usually an ombudsman of sorts for banks in most places. You can contact them and the ombudsman will look into your case, but if you haven't done all the steps from before, the ombudsman won't take you seriously.

And my last point....how big is your bank? Is it a large international bank with many many branches and a reputation to keep? If that's the case you have a great chance of getting your money bank. Is it a small bank with only a few dozen or hundred branch? You might be out of luck as the banks that small won't want to lose even the smallest of money.

Good luck, if you have any questions just ask.