There is no way to do this out of the box. This is usually handled with
process and training and with governance reporting. The only indication a
resource is over allocated in the schedule is that their name shows in red
when they are over allocated on a day by day basis. This in itself might
not be useful as you might have a single day of over allocation that will
flip the switch and mark the resource as over allocated.
If the tool did have the capability to prevent a user from being added to
anymore schedules, you might then also want the tool to be sophisticated
enough to prevent a PM from changing resource allocations on existing
schedules that would cause the resource to be over. And if so, you would
need to define over what length periods you care about (weeks, months,
quarters, years) and what the thresholds might be. Trying to make the tool
do this for you systematically can get very complex very quickly.
You might be able to do some simple checks and prevention of adding
resources using VBA code. I don't think, though, that you can detect what
specific resource is being built on the team through VBA.
Jonathan