2. Maintaining Customer Information Files

In the ‘Customer Maintenance’ screen, you maintain various personal and business details of the customers of your bank.

The CIF details are maintained at the branch level by the sign-on branch. These details can be accessed by all branches and therefore a duplicate customer record for a customer in two different branches need not be maintained.  

This chapter includes the following sections:

l Section 2.1, "Customer Maintenance"

l Section 2.2, "Personally Identifiable Information"

l Section 2.3, "Customer Category Maintenance"

l Section 2.4, "Customer Group Maintenance"

l Section 2.5, "Customer Segment Maintenance"

l Section 2.6, "Capturing Customer Prefixes"

l Section 2.7, "Quick Customer Addition"

l Section 2.8, "Employer Maintenance"

l Section 2.9, "Tax Waiver Maintenance"

l Section 2.10, "Maintaining Risk Category for Customers"

l Section 2.11, "Maintaining Customer Ownership"

l Section 2.12, "Viewing Customer Net Worth Report"

l Section 2.13, "Customer Relationship Maintenance"

l Section 2.14, "Float Days Maintenance"

l Section 2.15, "Account Address Location Maintenance"

l Section 2.16, "KYC Maintenance"

l Section 2.17, "Alphabet Equivalent Maintenance"

l Section 2.18, "Creating a Message Advice Format"

l Section 2.19, "Customer Closure Data from Channels"

l Section 2.20, "Searching for Customers"

l Section 2.21, "Pin Code Maintenance"

l Section 2.22, "Inactive Customer Status Change"

2.1 Customer Maintenance

This section contains the following topics:

l Section 2.1.1, "Invoking Customer Maintenance Screen"

l Section 2.1.2, "Personal Tab"

l Section 2.1.3, "Corporate Tab"

l Section 2.1.4, "Additional Tab"

l Section 2.1.5, "Director Tab"

l Section 2.1.6, "Auxiliary Tab"

l Section 2.1.7, "Checklist Tab"

l Section 2.1.8, "MFI Details Tab"

l Section 2.1.9, "Fields Button"

l Section 2.1.10, "Other Basic Customer Information"

l Section 2.1.11, "Cards Button"

l Section 2.1.12, "OFAC Check Button"

l Section 2.1.13, "KYC Details Button"

l Section 2.1.14, "Joint Venture Button"

l Section 2.1.15, "NSF Blacklist Status Button"

l Section 2.1.16, "Documents Button"

l Section 2.1.17, "Banking Channels Button"

l Section 2.1.18, "Account Details Button"

l Section 2.1.19, "MT920 Button"

l Section 2.1.20, "Group Button"

l Section 2.1.21, "Linked Entities Button"

l Section 2.1.22, "Viewing Customer Information"

2.1.1 Invoking Customer Maintenance Screen

You can invoke the ‘Customer Maintenance’ screen by typing ‘STDCIF’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You need to specify the following basic details of the customer:

Type

Indicate the Type of customer that your are maintaining. You can select one of the following options:

l Individual

l Corporate

l Bank

To recall, if a customer record is created from an external Siebel CRM application after a successful upload into Oracle FLEXCUBE, the ‘CRM Customer’ flag gets checked after the upload. You can however, uncheck the same when you unlock such a record and make changes. When you unlock such a record, system throws up an override stating that the customer is a CRM customer and asks whether you want to continue modifying the record. If you confirm the same, Oracle FLEXCUBE allows you to make changes. If you choose to ignore, the original record is saved.

Special Customer No Generation

Check this box to generate a special customer number in the ‘Customer Number’ field.

Note

– If the customer creation is manual, you should enter the desired customer number complying with the mask having the special number in the ‘Customer Number’ field. On click of ‘Populate’ button, the system validates whether the special number entered is an unused and a valid number.

– This field is disabled after generating customer number in the ‘Customer Number’ field.

– For normal customers, if the customer number generation is manual, you cannot use the special numbers maintained for customer number generation. If the customer number generation is automatic, the system skips the special numbers maintained for the branch.

– You cannot generate Special Customer Number from ‘Quick Customer Creation’ screen. A customer created using ‘Quick Customer Creation’ screen is treated as normal customer.

You can maintain branch wise CIF and CASA range for specific customers. A range can also be maintained for special number generation. For more information, refer to the section ‘Special Range/Number Maintenance’ in the chapter 'Customer Accounts' in CASA User Manual.

Customer No

Specify a customer code for the customer. Thee customer code is assigned to identify a customer. It is also referred to as the customer CIF Number. This code should be unique across branches. It can be 9-characters long.

For example, Assign a code using a maximum of 9 characters, alphanumeric. For example, assume your customer is DOW Corporation, US. You can assign him a code, which could either, be a number representing the customer’s serial number or an alphabetic code like DowCorp or an alphanumeric code like Dow1000US or DowUS1000 / 1000DowUS, if he is the 1000th customer to approach your bank.

Full Name

Specify the complete name of the customer in this field.

Short Name

Specify the customer’s unique abbreviated name or a short name. It helps in conducting a quick alpha-search or generating queries regarding the customer. This is an optional field.

While processing a transaction which involves customer identification, this uniquely abbreviated short name of the customer will be available in the option list for selection of the customer.

Branch Code

Specify the code of the corresponding branch.

Customer Category

Select the category under which a particular customer has to be categorized.Each customer that you maintain can be categorized under any one of the categories that you have maintained in the Customer Category Maintenance screen.

Note

You need to capture the basic details for each customer, regardless of the type of custom­er you are maintaining.

Private Customer

Check this box to indicate that the customer type is private.

The Customer Maintenance screen has the following tabs:

To define the basic details of the customer click on the tab titled ‘Main’. The details that you can specify for a customer depend on the type of customer whose details you are capturing.

If a particular field is disabled, it means that the field is not relevant to the type of customer that you are creating.

Note

The system performs the action level access rights validation only on ‘Save’ operation.

2.1.2 Personal Tab

If your customer, for whom you have defined parameters in the ‘CIF-basic’ screen, is an ‘individual, you also have to maintain the personal details in order to determine the credit line. You can maintain these details in the ‘Personal’ tab of the ‘CIF Maintenance’ screen.

In the ‘Personal’ tab, you can maintain generic personal details of a customer. In addition, you can also maintain the domestic and professional details of the ‘individual’ type customer. You can do this by invoking the relevant screens by clicking on the respective buttons.

The information that you capture in these screens forms more a part of a credit line questionnaire. Whenever you are deciding on a credit limit for an individual customer, you can use these details for verification.

You have to maintain the following parameters for every individual type of customer:

Prefix 1, 2 and 3

Specify the title prefixed to the name of the customer whose code is input against Customer Code in the Main section. The title could be Mr. /Mrs./ Ms./ Dr. /Prof. etc.

The academic titles (like Prof., Dr., etc) of the customer along with the salutations (like Consulate, Senator, Chancellor, etc.). You can either select the prefixes from the option list key-in a prefix of your choice.

First Name

Specify the First name of the customer.

Middle Name

Specify the Middle name of the customer.

Last Name

Specify the Last name of the customer.

Work Phone ISD+

Specify a valid international dialling code for the work telephone number of the customer. The adjoining option list displays all valid ISD codes maintained in the system. Select the appropriate one.

Work Phone

Specify the work telephone number of the customer.

Home Phone ISD+

Specify a valid international dialling code for the home telephone number of the customer. The adjoining option list displays all valid ISD codes maintained in the system. Select the appropriate one.

Home Phone

Specify the home telephone number of the customer.

Mobile ISD Code+

Specify the international dialling code for the mobile number of the customer. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Mobile Number

Specify the mobile number of the customer.

Fax ISD Code   +

Specify the international dialling code for the fax number of the customer. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Fax Number

Specify the Fax number of the customer.

Email Id

Specify the email address of the customer.

Gender

Select the gender of the customer. The following options are available for selection:

l Male

l Female

l Other

l Prefer Not to Disclose

Communication Mode

Indicate the mode of communication to be used to intimate the customer about the beneficiary account credit. You can select one of the following options:

l Mobile

l Email ID

The above field is enabled only for the product that uses the NEFT clearing network, i.e., Network Qualifier of the Clearing network should be NEFT.

National ID

Specify the national identification number or national social security number of the customer.

Birth Place

Specify the birth place of the customer.

Birth Country

Specify the birth country of the customer.

Date of Birth

Specify the date of birth of the customer.

Mother’s maiden name

Specify the maiden name of the customer’s mother.

Language

Specify the language in which your customer wants the statements and advices to be generated while sending periodic updates. Alternatively, you can also choose the language from the adjoining option list. English is defaulted as the language of correspondence; you have the option to change the default. The list displays all the language codes maintained in the SMS module. You can select the appropriate.

Address for Correspondence

‘Address for Correspondence’ contains the physical address of the customer. You need to specify the following address details:

Name

Specify the name of the customer. The customer will be addressed by this name in all correspondences sent from the bank. These characters should conform to SWIFT standards.

Note

The number of characters that you can specify in this field is determined by the preference that you have specified in the Bank Parameters screen. However, in the advices and state­ments that are sent to the customer only the first 35 characters of the name will be dis­played.

Address Code

Select the address code from the adjoining address code value list. On selection, it defaults to below address 1-4 and pincode.

Address 1–4

Specify the mailing address of the customer in the four rows that are provided. In each line, you can enter a maximum of 35 alphanumeric characters. All characters should conform to SWIFT standards.

Country

Specify the country as given in the address of correspondence of the customer. Alternatively, you can also choose the country from the adjoining option list. The list displays all the country codes maintained in the Country Codes screen. You can select the appropriate.

Nationality

Specify the nationality of the customer. The list of country codes maintained in the Country Codes Maintenance screen are available in the option-list positioned next to this field. You can select the appropriate.

Permanent Address

‘Permanent Address’ contains the permanent address of the customer. You need to specify the following information:

Same as Correspondence Address

Select the check box if the ‘Address For Correspondence’ is same as “Permanent Address’. If the permanent is same as the address for correspondence, you need not provide the details of the permanent address. If not, you need to specify the permanent address.

Address Code

Select the address code from the adjoining address code value list.

Address 1–4

Specify the permanent address of the customer. Four lines have been provided for this purpose. You can capture a maximum of 35 characters, alphanumeric in each line. Only characters specified in SWIFT standards are permissible.

Pincode

Specify pincode of the address specified.

Country

Along with the permanent address, specify the country of permanent residence of the customer.

Resident Status

Choose the resident status of the customer. This indicates whether the customer is a recognized resident of the country in which the particular branch of your bank operates or not. Choose one of the following options:

l Resident

l Non Resident

Permanent US Resident Status

Check this box to indicate that the customer of some other nationality has a Us resident permit.

Visited US in last 3 years?

Check this box to indicate that the customer has visited US in the last three years.

MFI Info

MFI Customer

Check this box to indicate that the user is a Microfinance user. By default, the system leaves this box unchecked to indicate that all users would be normal users. This box should be checked for Individual Customers and not for Corporate Customers or other Banks.

The MFI Details tab is enabled only when this box is checked.

Passport Details

You need to specify the passport details of this customer, which include the passport number, the date on which the passport was issued, and the date on which the passport is due to expire.

Passport Number

Specify the passport number of the customer.

Issue Date

Specify the passport issue date. The following validations are applicable to passport issue date:

l This date should not be later than the passport expiry date

l This should not be the same as the passport issue date

l This should not be the same as the current system date

l This should not be later than the current system date

If any of the above conditions is not met, the system will display a configurable override message. The system will validate the issue date against the system date and passport expiry date when you create or modify a record.

Expiry Date

Specify the passport expiry date. The following validations are applicable to the passport expiry date:

l This date should not be the same as the current system date

l This date should not be later than the current system date

If the above conditions are not met, the system will display a configurable override message. The system will validate the passport expiry date against the system date when you create or modify a record.

Additional Details

Additional Details contains the details to Know Your Customer (KYC). KYC refers to Know Your Customer. KYC details for customers are maintained using KYC Details screen. The system generates a KYC Reference Number during this maintenance. You need to specify the following KYC information:

Staff

Check this box whenever a customer record is created for a staff. By default this box is left unchecked.

KYC Status

Select the KYC status of the customer.

KYC Reference

Specify the KYC Reference Number. The option list displays all valid KYC reference numbers generated. Choose the appropriate one. The system will link the KYC details of the selected reference number to the customer CIF.

Guardian

Specify the customer’s guardian’s name.

Minor

Check this box to indicate that the customer is minor.

Submit Age Proof

Indicate the age proof submission status of the minor to major from the drop-down list. The available options are:

l Not required

l Pending

l Verified

Note

– Any out flow or debit transaction is posted on a particular customer’s account/s and the ‘Submit Age Proof’ chosen is ‘Pending’, then the system displays an error message as “Necessary documents are not submitted for Major.”

– Once the documents are submitted, the user has to manually set ‘Submit Age Proof’ as ‘Verified’.

After the field ‘Submit Age Proof’ is changed to ‘Verified’, then all the accounts created for the customer would be allowed for withdrawals.

Preferred Date of Contact

Specify the preferred date for contacting the customer. You can also select the date from the adjoining calendar icon.

The system does not allow Back dated values.

Preferred Time of Contact

Select the preferred time for contacting the customer on the preferred date of contact, from the adjoining drop-down list. This list displays the following time slots in 24hrs format:

l Any time

l 1 hour combination of timings starting from 12am – 1am to 23pm – 12am.

Power of Attorney

Note

If the FATCA is enabled at the bank and the check box 'Power of Attorney' is checked here, then it is mandatory to specify the Power of Attorney information.

Power of Attorney

Check this box to indicate that the customer account is to be operated by the power of attorney holder.

Holder Name

The person who has been given the power of attorney.

Nationality

Specify the nationality of the power of attorney holder.

Address

Specify the address of the power of attorney holder.

Country

Specify the country of the power of attorney holder.

Telephone ISD Code +

Specify the international dialling code for the telephone number of the power of attorney holder. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Telephone Number

Specify the telephone number of the power of attorney holder.

2.1.3 Corporate Tab

Click the ‘Corporate Details’ tab from the ‘Customer Maintenance’ screen to define the details of a Corporate or a Bank type of customer. The tab is enabled only for a corporate or a bank customer. You need to specify the following details:

In this screen, you can maintain generic personal details of a corporate or a bank customer. In addition, you can also maintain the corporation and registration details of the ‘Corporate’ or ‘Bank’ type customers. You can do this by invoking the relevant screens by clicking on the respective buttons.

The information that you capture in these screens forms more a part of a credit line questionnaire. Whenever you are deciding on a credit limit for an individual customer, you can use these details for verification.

You have to maintain the following parameters for every individual type of customer:

Address for Correspondence

In this section, you can maintain the address for correspondence.

Name

In the lines that are provided you can enter the name of the customer. The customer will be addressed by this name in all correspondence sent from the bank. These characters should conform to SWIFT standards.

Note

The number of characters that you can enter in this field is determined by the preference that you specified in the Bank Parameters screen. However, in the advices and statements that are sent to the customer only the first 35 characters of the name will be displayed.

Address Code

Select the address code from the adjoining address code value list.

Address 1–4

You can specify the mailing address of the customer in the four rows that are provided. In each line, you can enter a maximum of 35 alphanumeric characters. All characters should conform to SWIFT standards.

Pincode

Specify pincode of the address specified.

Country

This is the country as given in the address of correspondence of this customer. Click on the option list positioned next to this field, a list of countries maintained in the Country Codes screen is displayed. You can select the appropriate.

Telephone ISD Code

Specify a valid international dialling code for the telephone number of the customer. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Telephone

Specify the telephone number of the customer.

Mobile ISD Code +

Specify the international dialling code for the mobile number of the customer. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Mobile Number

Specify the mobile number of the customer.

Fax ISD Code +

Specify the international dialling code for the fax number of the customer. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Fax

Specify the fax number of the customer.

Email Id

Specify the email address of the customer.

Language

As part of maintaining customer accounts and transacting on behalf of your customer, you will need to send periodic updates to your customers in the form of advices, statement of accounts and so on.

You have to indicate the language in which your customer wants the statements and advices to be generated. English is defaulted as the language of correspondence; you have the option to change the default. The list positioned next to the language field contains all the language codes maintained in the SMS module. You can select the appropriate.

Communication Mode

Indicate the mode of the communication to the customer to intimate about the beneficiary account credit. You can select one of the following options:

l Mobile

l Email ID

The above field is enabled only for the product that uses the NEFT clearing network, i.e., Network Qualifier of the Clearing network should be NEFT.

Registration Address

‘Registration Address’ contains the registration address of the customer. You need to specify the following information:

Same as Correspondence Address

Select the check box if the ‘Address For Correspondence’ is same as “Permanent Address’. If the permanent is same as the address for correspondence, you need not provide the details of the permanent address. If not, you need to specify the permanent address.

Address Code

Select the address code from the adjoining address code value list.

Name   

Specify the company name as an Registered address of the organization.

Address 1–4

Specify the registration address of the customer. Four lines have been provided for this purpose. You can capture a maximum of 35 characters, alphanumeric in each line. Only characters specified in SWIFT standards are permissible.

Pincode

Specify pincode of the address specified.

Country

Along with the permanent address, specify the country of permanent residence of the customer.

Incorporation

‘Incorporation’ consists of the corporate details of the corresponding organization. You need to specify the following details:

Date

Specify the date on which the customer’s company was registered as an organization.

Capital

Specify the initial investment in the company.

Net Worth

Specify the net worth of the company.

Country

Specify the Country of registration of the office of the corporate.

Currency of Amounts

Specify the Currency in which you specify the particular customer’s various financial details like the Net worth of the customer organization, the total Paid Up capital etc.

Additional Details

Additional Details contains the details to Know Your Customer (KYC). KYC refers to Know Your Customer. KYC details for customers are maintained using KYC Details screen. The system generates a KYC Reference Number during this maintenance. You need to specify the following KYC information:

KYC Status

Select the KYC status of the customer.

KYC Reference

Specify the KYC Reference Number. The option list displays all valid KYC reference numbers generated. Choose the appropriate one. The system will link the KYC details of the selected reference number to the customer CIF.

National ID

It displays the company details. On selection it defaults National Id, Registration Address details and Incorporation Date and Country.

Type of Ownership

Specify the ownership type of the customer business. The adjoining option list displays a list of ownership types maintained in the system. Select the appropriate one.

Preferred Date of Contact

Specify the preferred date for contacting the customer. You can also select the date from the adjoining calendar icon.

Preferred Time of Contact

Select the preferred time for contacting the customer on the preferred date of contact, from the adjoining drop-down list. This list displays the following time slots in 24hrs format:

l Any time

l 1 hour combination of timings starting from 12am – 1am to 23pm – 12am

Joint Venture

Select the check box if you have a joint venture.

Description of Business

Specify the additional details of the business, if any.

2.1.4 Additional Tab

‘Additional tab contains additional information of the individual, corporate and bank customers.

You need to specify the following details:

Domicile Address

Domicile Address contains the address of domicile of the customer. You need to specify the following details:

Same as Permanent Address

Check this if the domicile address is same as the permanent address.

Address Code

Specify the address code from the adjoining option list.

Address 1–4

Specify the address of domicile of the customer. Four lines have been provided for this. Each line can have a maximum of 35 characters, alphanumeric. Only characters specified as per SWIFT standards are permissible.

Pincode

Specify pincode of the address specified.

Country

Specify the country of domicile of the customer. A list of all country codes maintained in the ‘Country Codes Maintenance’ screen is available in the option list. You can select the appropriate code.

Misc Details

‘Misc Details’ contains the miscellaneous details of the customer. In this tab, you need to specify the following information:

Swift Code

You can choose to associate a SWIFT Code with the customer whose CIF details you are maintaining. This code will be used to send all SWIFT related messages to the customer. This is pertinent while creating CIF record for banks as customers.

Group Code

Specify the group code. Alternatively, you can select the group code from the option list. The list displays all valid group codes maintained in the system. The group code selected here is used only for status change at batch level.

Access Group

Specify the access group. Alternatively, you can select the access group from the option list. The list displays all valid access groups allowed to the user based on the maintenance at Access Group Restriction screen.

Credit Rating

Specify valid credit rating for a Customer number from the option list. You can modify the credit rating of a customer.

Credit rating basically indicates the credit worthiness of the customers linked to a particular credit line. It is used primarily for information only. The Limits Services Module also uses it in generation of reports.

Charge Group

Specify the charge group of the customer from the option list provided. Only the Group codes maintained with type Charge will appear for selection.

Clearing Group

Categorize the customer for levying charges at a customer group level.

Tax Group

You need to specify the tax group of the customer from the option list provided.  Only the Group Codes maintained with type Tax will appear for selection.

Customer classification

Specify the customer classification.

External Ref No

To recall, if a customer record is created from an external Siebel CRM application after a successful upload into Oracle FLEXCUBE, the external reference number is defaulted in the ‘External Ref No’ field. You can amend the same when you unlock a record and make changes.

Location

Specify the relevant location code. This pertains to a particular area in a country. It cannot be more than 15 characters.

Status

Status contains the customer’s account information.

Note

When the customer status is modified to "Frozen", "Deceased" or "Whereabouts Un­known" from the customer screen (STDCIF), the system will check if there is an active amount block  on any of the customer accounts. If there is an amount block system will display a configurable override message: "There are some active amount block on the customer accounts”.

You need to specify the following information:

Frozen

Check this box if the account needs to be frozen. A customer’s account is frozen when an order is passed by law, the customer has deceased, or the customer’s whereabouts are unknown.

Deceased

Check this box if the customer has deceased.

Whereabouts Unknown

Check this box if the whereabouts of the customer are unknown.

Eligible for AR-AP Tracking

Check this box if the Customer is eligible for AR-AP Tracking.

CRM Customer

Check this box if the customer is a CRM customer.

Mailers Required

Check this box if you require mailers for the customer.

Issuer Customer

If the customer, for whom you are maintaining the CIF, is an issuer of securities, then check this box.

Investment Customer

Check this box if you wish to classify the customer as an investment customer. This selection indicates that the customer can have unit holder relationship with the FCIS system. When a CIF ID is created or modified in the system, then a notification is sent to the external channel with the CIF details.

Joint Customer

Check this box if the customer is a Joint Customer.

MT920

Check this option to indicate that the customer is eligible to request for MT920 messages.

MT920 - Account Update Request - A request for an up-to-date statement from the bank where the referenced Account is held. The request may be for an Intra Day Update (MT942) or an End of Day Update (MT940) and is subject to the service agreed with that bank.

Relationship Pricing

Select this checkbox to indicate that the customer is eligible for relationship pricing. This checkbox will be unselected by default.

For more details on relationship pricing, refer Relationship Pricing user manual.

Withholding Tax Applicable

Check this box to apply withholding tax for the customer during the payment and rollover operations of a loan.

ELCM Customer

Check this box to replicate the customer details to ELCM system. By default, system checks this box whenever the new customer is created. You can uncheck this box if required so that customer data will not get replicated to ELCM system.

Note

Once you select the option ‘ELCM customer’, system will not allow you to unselect it.

ELCM Customer Number

You need to specify the ELCM customer number if the option ‘Generate Customer Number’ is not selected in ‘ELCM Parameter Maintenance’ screen. If the option ‘Generate Customer Number’ is selected in ‘ELCM Parameter Maintenance’ screen, then the system will replicate the customer number from ELCM system.

For each customer you will be allowed to mark one or more statuses. For example, if the customer has deceased then the customer account will be declared frozen. Therefore, for the particular customer both the statuses ‘Deceased’ and ‘Frozen’ will be applicable.

If none of the statuses is marked, it suggests that this customer’s status is normal.

CIF Status

If status processing for your branch is being done at Group/CIF level (as specified in the Branch Parameters), the current status assigned to all loans issued to the CIF as well as all overdraft accounts belonging to the CIF, is displayed in the CIF Status field in the Customer Maintenance screen.  This status is the worst status of all loans contracts and overdraft accounts for a Group/CIF and is displayed both at the account as well as the loan level for all the accounts and loans a customer has in the current branch. The update applies only to the accounts and loans in the current branch not across branches.

Sanction Check Status

The system displays the sanction check status. The status can be any of the following:

l Not required

l Pending

l Approved

l Rejected

Click the ‘Fetch’ button to retrieve the latest status of the sanction check.

By default the ‘Sanction Check Status’ is updated as ‘Not Required’. When the request for sanction check is send, then the status is updated as ‘Pending’. If the sanction check status of the record is ‘Pending’, then the records cannot be reopened, modified or authorized.

Based on the final status received from the external system, the status is updated as 'Approved' or 'Rejected'.

A sanction check request is send if a customer is created/modified/reopened using Customer Maintenance screen (STDCIF), Quick Customer Addition screen (STDCIFAD), Financial Inclusion Customer Account Maintenance screen (STDFIACC), web-services or upload.

For more information on sanction check maintenance and processing refer ‘Sanction Check Maintenance’ chapter in Core Service user manual.

Segment Details

Identifier

Each customer is required to provide certain identification details to your bank for establishing the customer’s identity. For instance, the passport number or ration card of the customer may serve as the criteria to establish the customer’s identity. In Oracle FLEXCUBE, this is known as Unique Identifier Name.

Name

Enter the identifier name in not more than 20 characters.

Value

You have to capture the serial number or any number of significance that is to be associated with the document, which can help in identifying the document. You can use a maximum of 30 alphanumeric characters, to capture the identifier value.

Relationship Manager

Every customer in Oracle FLEXCUBE can be designated to a relationship manager. You need to specify the following details of the relationship manager:

RM Id

Specify the user ID of the relationship manager of this customer. The option list displays all valid user IDs with their roles defined as relationship manager. Choose the appropriate one.

Relationship managers are responsible for helping the customers designated to them in need.

RM Name

Based on the RM ID, the system displays the name of the relationship manager.

Combined Statement Plan

Auto Generated Statement Plan

Check this box to automatically generate the combined statement plan.

Frequency

Select the frequency at which the combined statement should be generated from the adjoining drop-down list. The options available are:

l Annual

l Semi Annual

l Quarterly

l Monthly

l Fortnightly

l Weekly

l Daily

Statement Day

Select the day on which combined statement should be generated from the adjoining drop-down list. If value for Statement Day is not selected, then the system defaults the values based on the frequency cycle selected. The statement gets generated on the month end of the defaulted values.

The maker and checker ID of the combined statement plan generated from the customer account screen should be ‘System’.

Modifications done on the frequency cycle and statement day in the combined statement screen will not be reflected in the combined statement plan of the customer maintenance screen.

Sanction Check

Sanction Check Required At Transaction Level

Check this box if sanction check is required at the transaction level.

2.1.5 Director Tab

Director tab consists of the director’s basic information.

You need to specify the following information:

Director Details

Director Details consists of the details of the corresponding branch’s director. You need to specify the following information:

Director Name

Specify the corresponding director’s name.

Tax Id

Specify the Tax Id of the corresponding director.

Country of Issue

Specify the country which has issued the tax ID for the customer. Alternatively, you can select the country from the option list.

Work Phone ISD+

Specify a valid international dialling code for the work telephone number of the director. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Work Phone

Specify the work telephone number of the director.

Home Phone ISD+

Specify a valid international dialling code for the home telephone number of the director. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Home Phone

Specify the home telephone number of the director.

Mobile ISD Code+

Specify the international dialling code for the mobile number of the director. The adjoining option list displays valid ISD codes maintained in the system. Select the appropriate one.

Mobile Number

Specify the mobile number of the corresponding director.

Email id

Specify a valid email address of the corresponding director.

Mailing Address

‘Mailing Address’ contains the mailing address of the corresponding director. You need to specify the following information:

Address Code

Select the address code from the adjoining address code value list.

Address 1–4

Specify the mailing address of the director. Four lines have been provided for this purpose. You can capture a maximum of 35 characters, alphanumeric in each line.

Pincode

Specify pincode of the mailing address specified.

Country

Specify the country of the Mailing Address of the corresponding director.

Permanent Address

‘Permanent Address’ contains the permanent address of the corresponding director. You need to specify the following information:

Address Code

Specify the address code from the adjoining option list.

Address 1–4

Specify the permanent address of the director. Three lines have been provided for this purpose. You can capture a maximum of 35 characters, alphanumeric in each line. Only characters specified in SWIFT standards are permissible.

Pincode

Specify pincode of the permanent address specified.

Country

Specify the country of the permanent Address of the corresponding director.

Other Details

Nationality

Specify the nationality of the corresponding director.

Permanent US Resident Status

Check this box to indicate that the corresponding director is a permanent US resident.

Shareholding %

Specify the shareholding percentage of the director in the company.

Type of Ownership

Specify the type of ownership. Alternatively, you can select the ownership type from the option list. The list displays all valid options.

This field is mandatory if CRS customer type is Passive Non-Financial Entity.

Birth Place

Specify the birth place of the director.

Birth Country

Specify the birth country of director.

Date of Birth

Specify the date of birth of the director.

Additional Tax ID Details

Tax ID

Specify the tax identification number (TIN) of the customer.

Country of Issue

Select the country which has issued the TIN for the customer.

2.1.6 Auxiliary Tab

Click the Auxiliary tab to provide the auxiliary details pertaining to the customer.

 

You need to specify the following details:

Tax Identification

Tax Identification Number

Specify the Tax Identification Number (TIN).

Country of Issue

Specify the country which has issued the TIN for the customer. Alternatively. you can select the country from the option list.

Consolidated Certificate Required

Check this box to indicate whether a consolidated tax certificate is required for all transactions done for a given tax cycle. This option would work in conjunction with a similar option in the Tax Category screen and the Tax Details screen accessed from the Branch Parameters Detail screen.

Generating Consolidated Tax Certificate

Depending on the frequency maintained at the branch level, the system will generate the Consolidated Tax Certificate for a customer, provided the consolidated tax certificate generation is required at the customer level and the option is maintained at the Tax Category level. The Tax Certificate will be in a pre-shipped advice format and printed on a Year to Date basis

Maintaining Elements for Advice Generation

The following elements will be available for advice generation for consolidated tax certificates.

Individual Certificate Required

Check this box to indicate whether an individual tax certificate is required for each transaction. An individual tax certificate is a certificate (advice) which is generated for each individual event (in a transaction) resulting in computation/deduction of tax from the customer’s account. The advice is linked to the product and is generated at the time of authorization of the contract/event.

Generating Individual Tax Certificate

For contracts that have tax defined on interest liquidation, an individual tax certificate will be generated by the system, provided the tax certificate is linked as an advice for the event and the individual transaction tax certificate is required to be generated for the customer.

For income other than through interest on customer accounts, the advice format for the tax certificate can be maintained depending on the requirement. This advice format can be linked to the products.

For income through interest on customer accounts, the advice format for the tax certificate is pre-shipped. The format of the advice can be modified except for the name of the advice format which is pre-shipped.

Maintaining Tags for Advice Generation

The following tags will be available for advice generation for individual transaction.

CRS Reporting

CRS Customer Type

Select the type of CRS customer from the drop-down list. The list displays the following values:

l Individual

l Financial Entity

l Active Non-Financial Entity

l Passive Non-Financial Entity

The system defaults ‘Individual’ as the CRS Customer Type if the customer type is selected as ‘Individual’. If the customer type is Corporate, then the system defaults Active Non-Financial Entity as CRS Customer Type. If Bank is selected as the customer type then ‘Financial Entity’ is defaulted as the CRS Customer Type.

Utility Provider

Utility Providers are the recipients of the bill payment. Typical entities involved in a bill payment transaction are the consumer, your bank and the institutions (utility providers).

Utility Provider

Check this box if the customer whose details you are maintaining happens to be a Utility Provider

Utility Provider Id

Assign a unique ID to identify the utility provider.

Check Digit Validation Required

Check this box to indicate whether the check digit validation should be performed for the consumer number that is captured while making bill payment for the utility provider.

Algorithm ID

If the check digit validation should be performed you must also identify the Algorithm ID, which is used to perform the check digit validation on the consumer number.

Utility Provider Type

Indicate the type of utility provider. The option list adjoining ‘Utility Provider Type’ displays all valid utility provider types maintained in the system. You can select the appropriate one.

Head Office

Account Number

The Head Office Account Number is the customer’s account number with the Head Office of your bank. You need to capture this value only if the Customer Type is a ‘Bank’. It is used only for reference purposes.

Debtor Category

Specify the category of the Debtor from the adjoining option list.

Risk Profile

Specify the risk profile from the adjoining option list.

Additional Fields Labels

You can specify the additional details, if any.

Tax Identification

Tax Identification Number

Specify the Tax Identification Number (TIN).

Country of Issue

Specify the country which has issued the TIN for the customer. Alternatively, you can select the country from the option list.

Additional Tax ID Details

Tax ID

Specify the tax identification number (TIN) of the customer.

Country of Issue

Select the country which has issued the TIN for the customer.

2.1.7 Checklist Tab

Click the ‘Checklist’ tab from the ‘Customer Maintenance’ screen to capture the details of document types that are to be maintained. Checklist is an optional tab based on the workflow of the bank. In this tab, you need to provide the following information:

Specify the following details:

Document List

Document Category

Specify the category of the document.

Document Type

Specify the document type. The adjoining option list displays all the document types that are maintained in the system. You can select the appropriate one.

Document Name

Specify the name of the document. For example, Address Proof, Identity Proof etc. This is an optional field.

Document Reference

Specify the reference number for the document. For example, if the document submitted is a passport, then you can maintain the passport number here. This is an optional field.

Date Requested

Specify the date on which the document was requested.

Expected Date

Specify the date by which the document has to be submitted.

Note

If you do not specify the expected submission date, then on save, the system calculates and defaults the expected date in this field. The system calculates this date based on the requested date + the verification time limit (in days) maintained in 'Customer Type-Wise FATCA Parameters' screen.

Actual Date

Specify the date on which the document was actually submitted.

Expiry Date

Specify the date till which the document is valid.

Note

If you do not specify the expiry date, then it will be considered to be valid till perpetuity.

Checked

Check this box to indicate that the received documents are acknowledged.

Remarks

Specify the additional information, if required.

Note

For an investment customer, at least one record needs to be mandatorily maintained.

Oracle FLEXCUBE facilitates linkage of required documents automatically during due diligence. When a customer is classified for ‘PENDING CLASSIFICATION’ in the Maintaining Customer Type-wise FATCA Parameters (STDFATCA) screen, the system automatically populates the check list for FATCA due diligence.

For more information on automatic population of check list for due diligence, refer to the section ‘Automatic Population of Check List for Due Diligence’ in this User Manual.

2.1.8 MFI Details Tab

As part of maintaining financial details of customers, you can maintain micro-finance details of individual customers like the customer’s insurance number, poverty status, education level, whether blacklisted or not. This tab is enabled only if MFI Customer field is checked in the Personal tab.

Click the ‘MFI Details’ tab from the CIF Maintenance screen to maintain these details.

 

In this screen, you can capture the following details for each individual type of customer:

MFI Info

Insurance Number

Specify the insurance number of the individual customer.

Customer Type

Indicate the type of customer that you are maintaining. You can select one of the following options:

l Group

l Centre

l Individual

Group Code

The system displays the group code assigned to the customer.

Meeting Code

The system displays the meeting code maintained for the corresponding Group Code.

Account Officer

Specify a valid account officer assigned to the customer. The adjoining option list displays all valid account officers maintained in the system. You can select the appropriate one.

Note that this is an optional field. If no Account Officer is specified, the system picks up the same from the next microfinance level (Group or Center).

Blacklisted

Check this box to indicate that the customer is blacklisted. By default the system leaves it unchecked to indicate that the customer is not blacklisted.

Number of Times Blacklisted

The system displays how many times the customer has been blacklisted, if any.

Customer Info

Physically Challenged

Check this box to indicate that the customer has some physical limitations.

Poverty Status

Specify a valid financial status of the customer. The adjoining option list displays all valid poverty statuses maintained in the system. You can select the appropriate one.

Literacy of Client

Specify a valid literacy level of the client. The adjoining option list displays all valid literacy levels maintained in the system. You can select the appropriate one.

Business Activity

Specify a valid nature of work that the customer does for a living. The adjoining option list displays all valid business activities maintained in the system. You can select the appropriate one.

Business Description

The system displays a relevant description of the business corresponding to the selected Business Activity.

Training Code

The system displays the assigned training code of the customer.

Trained On

The system displays the date on which the customer is trained.

2.1.8.1 Identification Details Button

You can maintain what documents are received from the customer as part of collecting identification details using the ‘Identification Details’ screen. Click on ‘Identification Details’ button. The ‘Identification Details’ screen will be displayed.

You can capture the following details here:

l Sl No: The system displays the serial number.

l Document Type: The type of document made available by the customer for identification.

l Details

Click on ‘Details’ button. The ‘Document Type Details’ screen will be displayed.

You can specify the following details here:

Document Type

The system displays the document type based on the information you specified in ‘Customer Identification Details’ screen.

Name As Per Document

Specify the name of the customer as mentioned on the document.

Series

Specify the series of the document.

Doc Id

Specify the document ID number.

Date of Issue

Specify the date on which the document was issued to the customer.

Date of Expiry

Specify the date on which the validity of the document expires.

Issuing Authority

Specify the name of the person or agency that issued the document.

Place of Issue

Specify the place in which the document was issued.

2.1.8.2 Checklist Button

You can maintain a list of what documents have been checked using the ‘Checklist Details’ screen. Click on ‘Checklist’ button. The ‘Checklist Details’ screen will be displayed.

This screen contains a list of documents maintained using the ‘MFI Action Checklist Maintenance’ screen. If you have checked a particular document appearing under ‘Description’, check the corresponding box under ‘Checked’ to indicate that the document has been checked.

2.1.8.3 Domestic Button

As part of maintaining personal details of the customer, you can capture Domestic details about the customer like the customer’s educational status, marital status, number of dependants, etc. Click on ‘Domestic’ button. The Customer - Domestic Details screen will be displayed.

In this screen, you can capture the following details for each individual type of customer:

l The Marital status of the customer: A customer could be married, single, re-married, divorced, separated, widowed etc. You have to indicate the appropriate

l The name and employment status of the customer’s spouse

l The educational status of a customer (Under Graduate, Graduate, Post Graduate and Non-student). If the customer has received no formal education, select Non-student

l The family members (children and others) who are dependent on the customer financially. You can indicate any number between 0 and 99

l The type of accommodation this customer is availing of. The types could be classified into - own accommodation, company provided and others. Others include all types other than self-owned and company provided. You can select the appropriate option.

2.1.8.4 Professional Button

After having captured the Domestic details of the individual customer you can capture the professional details about the customer.

These details include the customer’s employment status, employer details or the annual expenses that the customer incurs and so on. Click on ‘Professional’ button. The Customer – Professional Details screen will be displayed.

You can capture the following professional details of the individual type of customer through this screen:

Employment Details

l The employment status of the customer (full time permanent, full time temporary, part-time, self-employed, retired pensioned, retired non-pensioned, unemployed.)

l The number of years the customer has been in his/her current job

l The age at which the customer is due to retire from his/her current job or business

l The designation this customer held in his/her previous job or employment

l The name of the previous employer of this customer

l The designation held by this customer in his present job

l The name, address, country, telephone, telex, fax and E-mail address of the customer’s current employer. The name, address and country of the employer should conform to SWIFT standards

Note

The ‘Current Employer’ field is used by the system to map the user to his current employer. Click the adjoining option list to display all the authorised and open employer codes main­tained in the system.

Income details

 

l The annual returns that your customer earns through salary and other sources of employment if any. If your customer earns revenue through other source apart from a monthly, salary you have to capture the customer’s combined income from all other sources.

l The annual expenses that your customer incurs from sources other than the annual salary

l The currency in which the customer’s financial details like, annual salary, annual rent expenses, annual loan repayment, etc is expressed

Expenditure Pattern

 

l The customer’s annual expenditure on rent, premium on insurance

l The customer’s current annual expenditure incurred on re-payment of loans availed

l The customer’s current annual expenditure incurred on payment of expenses other than rent, insurance premium or loans

l The number of credit cards the customer has subscribed to

l The value in terms of money, of this customer’s house (in case he owns one)

The Other Details Include

 

l The name of your customer’s previous employer and the designation that the customer held in the previous job.

l The customer’s current designation and the full name of the customer’s employer

l The complete mailing address of your customer’s employer

l The telephone, telex, fax numbers and E-mail address of your customer’s current employer or business partner

After having captured all the relevant details, you can save the record. You will be returned to the Personal Details section of the CIF Maintenance screen.  

2.1.9 Fields Button

In order to know your customer better, you may need to capture certain additional information specific to a customer. This is in addition to the regular information that you would capture in the Customer Maintenance screen. To capture more details of the customer, you can define a set of UDFs and associate them with the function id ‘STDCIF’ (for Customer Maintenance screen). After you associate the UDFs, they will appear in the Customer Maintenance screen. You can then capture the values for these UDFs.

The UDFs that are displayed in the Customer Maintenance screen depend on your selections in the ‘UDF in Base Table’ screen. A maximum of five UDFs can be made to appear in Customer Maintenance screen.

Refer the manual on ‘User Defined Fields’ for details on defining a user-defined field and associating the UDF with the function id ‘STDCIF’.

The values that you enter for the UDFs will be validated against the rules maintained for them. If the entries fail the validations, the system will display a suitable message to inform you that the entries made do not adhere to the rules maintained.

The UDFs will be displayed in the Customer Maintenance Summary screen as well. You will also be allowed to perform queries based on these fields.

2.1.9.1 Special Customer Grouping UDF

While maintaining the customer information, you can place a customer under a special customer group for different rating purposes. Through the Special_Status user defined field (UDF) you can link the customer to a group and specify the rating for the group.

Whenever a contract is booked for such a customer, the system will display an alert message specifying the status of the customer thereby you can apply the new rates specified for such customers.

The steps involved for including the SPECIAL_STATUS UDF in customer maintenance are as follows:

1. Create a new user defined field SPECIAL_STATUS

2. Link it to the Function ID STDCIF

3. Specify the value of the user defined field at the time of creating a customer

The special status is also displayed in the information retrieval screen when you do a query for such a customer. You can do the query using the ‘Customer Summary Query’ screen.

You can invoke this screen by typing ‘ACDCBIR’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Note

After having captured all the required details save the CIF record. It becomes valid only after a user other than you authorizes it.

Check the ‘Linked Customer’ check box and provide the Customer Number and click ‘Query’ button to view all linked customers in Linked Customer Details. Select a customer from the details and click ‘Fetch’ button to perform a query operation on the selected customer. The displayed values are based on the query parameters provided.

2.1.10 Other Basic Customer Information

You will notice the following buttons in the Customer Maintenance screen:

2.1.11 Cards Button

Click ‘Cards’ button to view details about debit cards issued to a customer.

Here, you can view the following details.

Branch Code

The branch code is displayed from the main ‘Customer Information Maintenance’ screen.

Customer No

The customer identification code (CIF) is displayed from the main ‘Customer Information Maintenance’ screen.

Account No

The system displays the account number against which you have maintained debit card details.

Authorisation Status

Indicate the authorisation status of the debit card by selecting one of the following values:

l Authorised

l Unauthorised

Record Status

Indicate the record status of the debit card by selecting one of the following values:

l Open

l Closed

Branch Code

The system displays the branch code where the debit card has been issued.

Request Reference Number

The system displays the request reference number of the card issuance record.

Card Number

The system displays the debit card number of the card holder.

Multiple cards can be issued to a customer.

2.1.12 OFAC Check Button

OFAC check enables the application to call an external web service to perform black list check for customer and customer accounts and give warnings appropriately while transacting with black listed customers. You can also capture your remarks before overriding the black list warning.

Click ‘OFAC Check’ button in ‘Customer Account Creation’ screen to view the OFAC check response in the ‘External System Detail’ screen On clicking ‘OFAC Check’ button, system will build the request XML and call the web service. The ‘External System details’ screen displays the response is received from the external system; and you will be also allowed to enter your remarks in this screen. The response received will also be sent to Oracle FLEXCUBE Database layer for any further interpretations of the same.

This button can be made visible while carrying out the actual customization. Request building response interpretation in the database layer needs to be done as part of customization to enable this.

Here, you can view /capture the following details:

External System Response

The response from the external system regarding the black listed customer is displayed here.

User Remarks

Specify your remarks regarding the black listed customer here.

2.1.13 KYC Details Button

KYC refers to know your customer. You can view the KYC details maintained for a customer on ‘KYC Maintenance’ screen. Click ‘KYC Details’ button to invoke the screen

Alternatively, you can invoke this screen by typing 'STDKYCMN' in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

The system displays the following details:

l KYC reference number

l Full name of the customer

l Type of customer

l Risk level of the customer

l Type of CRS customer (Individual, Financial Entity, Active Non-Financial Entity, and Passive Non-Financial Entity)

The system defaults ‘Individual’ as the CRS Customer Type if the customer type is selected as ‘Individual’. If the customer type is Corporate, then the system defaults Active Non-Financial Entity as CRS Customer Type. If Bank is selected as the customer type then ‘Financial Entity’ is defaulted as the CRS Customer Type.

2.1.13.1 Retail Customer Tab

You can view the KYC profile details for retail customers on ‘KYC Retail Profile’ screen. Click ‘Retail Customer’ tab in the ‘KYC Maintenance’ screen.

The system displays the following details of the retail customer:

Beneficial Owner Information

 

l Whether the beneficial owner is declared as a resident

l Whether the beneficial owner is declared as politically exposed person

l Remarks on the politically exposed person

l Local address of the beneficial owner

l Country code of the beneficial owner

l Home country address of the beneficial owner

l Home country of the beneficial owner

l Whether the beneficial owner has a valid US residence status

l Whether the beneficial owner has visited US in the last three years

l Tax identification number (TIN) of the beneficial owner

l Country which has issued TIN for the beneficial owner

l Nationality of the beneficial owner

l Place of birth of the beneficial owner

l Birth country of the beneficial owner. It is mandatory to maintain birth country if the FATCA is enabled for the bank.

l Birth date of the beneficial owner

l International dialling code for the office telephone number

l Telephone number of the beneficial owner’s office

l International dialling code for the residential telephone number

l Residential telephone number of the beneficial owner

l International dialling code for the mobile number

l Mobile phone number of the beneficial owner

l International dialling code for the fax number

l Fax number of the beneficial owner

Note

If the FATCA is enabled for the bank, and any of the Office number, Residential telephone number, Mobile number or Fax number is maintained, then it is mandatory to maintain the corresponding ISD code as well.

l Purpose of opening the account

l Other details

l Type of account

l Whether power of attorney is given to beneficial owner

l Passport number of beneficial owner

l Expiry date of the passport

l Visa number of the beneficial owner

l Expiry date of visa

l Currency in which KYC amount is maintained

Power of Attorney

l Whether the customer account is to be operated by the power of attorney holder

l The person who has been given the power of attorney

l Nationality of the power of attorney holder

l Address of the power of attorney holder

l Country of the power of attorney holder

l International dialling code for the telephone number

l Telephone number of the power of attorney holder

Note

If the FATCA is enabled at the bank and the check box 'Power of Attorney' is checked here, then it is mandatory to specify the Power of Attorney information.

Beneficially Owned Company Details

 

l Name of the company

l Location of the company

l Percentage of the holding

l Annual income of the company

l Line of business of the company

Source of Income

 

l Whether salary is a source of income

l Whether rental is a source of income

l Whether investment is a source of income

l Whether business concern is a source of income

l Whether professional business is a source of income

2.1.13.2 Corporate Customer Tab

‘KYC Corporate Profile’ screen gives an account of the KYC profile details for corporate customers. Click ‘Corporate Customer’ tab in the ‘KYC Maintenance’ screen. The system displays ‘KYC Corporate Profile’ screen.

The screen is as shown below:

The system displays the following details:

Customer and Sponsors Information

l Name of the group

l Country of Parents Company

l Type of the company

l Other details

l Currency in which KYC amount is maintained

Reason of Account

 

l Reason for opening an account

l Other details

Specifying Nature of Business

 

l Nature of business

l Name and details of the product traded in the business

l Main source of funds

l Borrowing account group

l Annual turnover of the company

Details of Key Person

 

l Unique identification for the KYC

l Name of the key person

l Position or title of the key person

l Relation ship of the key person with the corporate customer

l Nationality of the key person

l Address of the key person

l Country of the key person

l International dialling code of the key person

l Telephone number of the key person

l Birth place of the key person

l Birth country of the key person

l Date of birth of the key person

l Ownership type of the key person

l Tax Identification Number (TIN) of the key person

l Country which has issued the TIN for the key person

l Percentage of share for the key person

Specifying Company Details

 

l Details of the company branches

l Number of person employed in the company

l Mode of salary in the company

l Other details

Specifying Details of Suppliers

 

l Name of the supplier

l Country of the supplier

l Mode of settlement

Specifying Details of Clients

 

l Name of the client

l Name of the country of the client

l Mode of payment

Specifying Transaction Types

 

l Type of transaction

l Count of the transaction

l Total amount of the transaction

l Maximum single amount for the transaction

l Purpose of the transaction

l Country of the transaction

l Purpose of fund transfer within a country

l Audit date

l Whether account should be solicited

l Date on which the account is solicited

l Details of the introducer

l Date of compliance clearance

l Date of business approval

l Trade licence number

l Next date of KYC review

Specifying Comments

 

l KYC comment about the corporate customer

l Comments on the corporate customer by the sales and service officers

l Name and comments of the approvers on the corporate customers

2.1.13.3 Corporate/Audit HO Details Tab

Click ‘Corporate/ Audit HO Details’ tab in the ‘KYC Corporate Profile’ screen.

The system displays the following details:

l Number of the corporate customer

l Name of the corporate customer

l Whether STR should be raised

l Date of STR using adjoining calendar

l Reference number of the STR

l Whether the CB should be responded

l Date of the CB Response

l Details of the activity

l Reason for the activity

l Dairy note

2.1.13.4 Corporate Customer Tab

‘KYC Financial Profile’ screen displays KYC profile details for financial customer. Click ‘Corporate Customer’ tab in the ‘KYC Maintenance’ screen.

The system displays the following details:

l Address of the bank

l Country of the financial customer

l Currency of the KYC amounts

Transaction Products

l Name of the transaction product

l Rating of the product

l Number of monthly transactions

l Monthly amount

Management Details

l Name of the manager

l Designation

Share Holders Details

l Name of the share holder

l Holding of the share holder

l Address of the share holder

l City of the share holder

l Country of the share holder

2.1.13.5 Fields Button

‘User Defined Fields’ screen displays the all UDFs defined using KYC Maintenance screen. You can invoke this screen by clicking ‘Fields’ button in the ‘KYC Maintenance’ screen.

The system displays the following details:

l Name of the user defined field

l Value of the user defined field

2.1.14 Joint Venture Button

You can maintain the joint venture details for a customer on ‘Joint Venture Details’ screen. Click ‘Joint Venture’ button to invoke the screen.

The screen is as shown below:

Party ID

Specify the party ID.

Party Name

The system displays the party name.

Ratio

Specify the ratio between the participants on share.

2.1.15 NSF Blacklist Status Button

Click Blacklist Status to invoke this screen. Blacklist status of the customer is displayed in this screen.

Internal Bank – NSF Details

NSF Level

The system displays the NSF level of the customer. (SP1, SP2, SP3 or SP3A)

Effective Date

The system displays the effective date on which the NSF level is set based on the Expiry period NSF (month) defined at STDNSMNT-NSF level maintenance.

Expiry Date

The system displays the expiry date of the NSF Level based on the Expiry period NSF (month) defined at STDNSMNT-NSF level maintenance.

IB Blacklisted Status

The system displays the active blacklist status of the customer. This is displayed only when Customer cheque is rejected in Internal Bank and is black listed through inward clearing due to NSF (Non Sufficient Fund).

Description

Description for the active blacklist status is defaulted here.

Effective Date

The system displays the effective date on which the Customer is Internal Bank black listed due to NSF based on the Expiry period NSF(month) defined at STDNSMNT-NSF level maintenance.

Expiry Date

The system displays the expiry date from which the Customer is internal Bank black listed due to NSF based on the Expiry period NSF(month) defined at STDNSMNT-NSF level maintenance.

Central Bank – NSF Details

CB Blacklisted Status

The system defaults the blacklisted status of customer which has been shared by Central bank.

Description

Description for the blacklist status is defaulted here.

Effective Date

The system displays the effective date on which Central bank has sent the File and processed for the marking CB black listed for Customer.

Expiry Date

The system displays the expiry date of the NSF CB status which is available in CB File.

Web Branch NSF Details

Counter Cheque Status

The system displays the active blacklist status of the customer whose cheque is rejected over the counter.

Description

Description for the blacklist status is defaulted here.

Effective Date

The system displays the effective date on which cheque is rejected over the counter and processed for marking Web branch blacklisted for Customer.

Expiry Date

The system displays the expiry date from which the Customer is black listed over the counter due to NSF, based on the Expiry period NSF(month) defined at STDNSMNT-NSF level maintenance.

2.1.15.1 NSF Enquiry

You can view the current NSF level, customer blacklist status and cheque details rejected due to NSF in NSF Enquiry screen. You can invoke the screen by typing ‘STDNSFQY ‘in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Customer No

Select the customer number from the adjoining option list.

Click on query button to view the list of blacklisted customers for the selected branch code.

The system defaults the customer number of the blacklisted customer.

Customer Name

The system displays the name of the blacklisted customer.

NSF Level

The system displays the NSF blacklist status of the customer.

2.1.15.2 NSF Details

You can view interbank blacklisted status in the NSF details screen. Click on NSF Details in the NSF Blacklisted Status screen to invoke this screen.

Customer No

Customer No is defaulted here based on the details queried in the NSF Enquiry Screen.

Name

The name of the customer is displayed here based on the details queried in the NSF Enquiry screen.

NSF IB Detail

Customer No

The system defaults the customer number.

NSF Level

The system defaults the NSF level while processing the cheque.

Effective date

Effective date of the NSF level is displayed here.

Expiry Date

The system displays the expiry date of the NSF level.

Account No

The system displays the Account number of the returned cheque.

CG Ref No

The system displays the CG Reference Number of the cheque returned due to NSF.

Cheque No

The cheque number of the returned cheque is defaulted here.

Cheque Amount

The system displays the cheque amount of the returned cheque.

Cheque Date

The value date of the cheque is displayed here.

Transaction Date

The transaction date is displayed here.

Branch Code

The system defaults the branch code.

2.1.15.3 Central Bank Blacklist Status

You can view the current central bank blacklist status in the ‘Central Bank Blacklist Status’ screen. You can invoke this screen by typing ‘STDNCBQY’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

National Blacklist Reference Number

Select the National Blacklist Reference Number from the adjoining option list.

Blacklisted Customer details

Customer Name

The name of the blacklisted customer is displayed here.

Customer Type

The system displays the customer type.

Account No

The system displays the account number of the blacklisted customer.

Account type

The system displays the type of the account which is marked as blacklisted.

Tax Identification Number

The system displays the tax id of the blacklisted customer.

Identity Number

Unique identification number of the blacklisted customer is displayed here.

Date of Birth

The system defaults date of birth of the blacklisted customer.

Blacklist Effective Date

The system displays the blacklist effective date.

Blacklist Expiry Date

The system displays the expiry date for the blacklist status

Remarks

The system displays the remarks sent from the central bank.

Other Bank Details

Bank Ref No

The system displays the blacklisted customer’s bank reference number.

Bank Code

The bank code in which the customer is marked as blacklisted

Bank Name

The system displays the name of the bank of blacklisted customer.

Address

The address of the blacklisted customer is displayed here.

Our Bank Customer Details

Customer Name

The system displays the name of the central bank blacklisted customer.

Customer Number

The system displays the customer number maintained in the current bank.

Customer Type

Customer type of the blacklisted customer is defaulted here.

Date of Birth

The system displays the date of birth of the blacklisted customer maintained in the current bank.

Unique ID

The system defaults the unique id of the blacklisted customer maintained in the current bank.

2.1.15.4 Viewing Central Bank Blacklist Status

You can view the blacklisted status of the customer in the ‘Central Bank Blacklist Status’ screen. You can invoke this screen by typing ‘STSNCBQY’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

In the above screen, you can base your queries on any or all of the following parameters and fetch records:

l Customer Name

l Date of Birth

l Tax Identification Number

Select any or all of the above parameters for a query and click ‘Search’ button. The records meeting the selected criteria are displayed.

The system displays the following details pertaining to the fetched records:

l Customer Name

l Date of Birth

l Tax Identification Number

l Bank Ref No

l Bank Code

l Bank Name

l National Blacklist Ref No

l Customer Type

l Identity Number

l Address 1

l Blacklist Expiry Date

l Account No

l Account Type

l Customer No

l Blacklist Effective Date

l Customer Type

l Customer Name

l Unique ID Value

l Date of Birth

l Upload Sequence Number

l Remarks

Note

– If a new current account is created for an already blacklisted customer then the system displays an error message as “Customer has been marked as blacklisted customer. New account cannot be created for the customer.”

– If a new customer is created for a customer who is already blacklisted by the central bank then the system displays an error message as “Customer is blacklisted by the central bank. Customer can not be created for this new customer.”

2.1.15.5 Batch Processing for NSF Blacklisted Customers

An Intra-day batch STNSFCB is configured to update the NSF Central bank blacklisted customers. The unique id is used to identify the customer. If no match is found then the customer name and date of birth together is used as key to identify the customer.This batch is triggered through intra-day batch start BABIDBAT.

The customer blacklist status is updated based on the internal and central bank blacklist status.

Processing EOD Batch

When a cheque is returned due to NSF then the expiry date is computed for the customer based on the NSF maintenance. As part of EOD the system performs below task:

l Identify all the NSF returned cheque for the validation period.

l Execute the NSF formula for each cheque one by one in the order of effective date of the cheque and arrive the new NSF level of the customer.

l Compute the new expiry date for the customer from the 1^st returned cheque date. This is calculated by adding the first returned cheque date and expiration period.

l Execute the action components which are associated with the newly arrived NSF level for that customer.

PEOTI Batch

l In PEOTI, batch system looks only for NSF level expiry date but not the IB details final expiry date.

l System generates advice messages (warning letters) based on the new NSF Level change (NSF blacklist status, Central bank blacklist status changes).

PBOD Batch

On Processing CASABAT batch in BOD, system performs the following process:-

l Identifies the entire Customer whose final expiry date falls on this date (In PBOD batch system IB details final expiry date).

l System process with unmarking of Black list Customer, unmarking of Black list Account, granting chequebook facility for the respective customer account.

Note 

STNSFCB batch is used only for marking Central bank Blacklisted status (Not for Internal (0) and Over the counter black listed (3).

2.1.16 Documents Button

You can capture the customer related documents in central content management repository through the ‘Document Upload’ screen. Click ‘Documents’ button to invoke this screen.

Here, you need to specify the following details:

Document Category

Specify the category of the document to be uploaded.

Document Type

Specify the type of document that is to be uploaded.

Document Reference

The system generates and displays a unique identifier for the document.

Remarks

Specify the additional information, if any.

Upload

Click ‘Upload’ button to open the ‘Document Upload’ sub-screen. The ‘Document Upload’ sub-screen is displayed below:

In the ‘Document Upload’ sub-screen, specify the corresponding document path and click the ‘Submit’ button. Once the document is uploaded through the upload button, the system displays the document reference number.

View

Click ‘View’ to view the document uploaded.

2.1.16.1 Limits Button

You can maintain liability details as a part of auto customer creation process in the ‘Customer Liability Details’ screen. Click ‘Limits’ button to invoke this screen.

Liability ID

The system displays the liability Id.The Id selected in the main screen gets defaulted here.

Liability Name

Specify Liability Name. System defaults the name if existing liability id is selected.

Liability Branch

Select the branch associated with the liability. By default, system displays the current branch from the existing liability.

Liability Currency

Select liability currency from the adjoining option list. For existing liability, system defaults the applicable currency and for new liability, system defaults the local branch currency.

Overall Limit   

Specify the overall limit in Liability currency, for the liability. This will be defaulted if existing liability is chosen

Revision Date   

Specify the revision date for the liability from the adjoining calender.

Liability Category   

Select the category of the liability.The adjoining option list displays all available categories.You can select the appropriate one.

User Defined Status   

Select the status of the liability from the adjoining option list.

Liability Clean Risk Limit

The system displays the liability clean risk limit here

Secondary Clean Risk Limit

The system displays the secondary clean risk limit here

Secondary PSTL Risk Limit

The system displays the secondary PSTL risk limit here

Unadvised   

Check this box if the liability is unadvised.

Netting Required   

Check this box to indicate that all facility amounts linked to this liability should be consolidated.

Remarks

You can specify remarks, if any.

Note

The system displays all the liability details if you have selected an existing liability.You can­not modify the displayed details.

2.1.16.2 Score Button

You can maintain score details in the ‘Liability Score’ screen. Click ‘Score’ button to invoke this screen.

Specify the following details:

Score Name   

Select the score name. The adjoining option list displays the all the score names maintained in the system. You can select the appropriate one.

Score description   

System displays the description for the selected score name.

Score   

Specify score value for the selected score name

Note

For an existing Liability system displays the score details when the liability is selected.

2.1.16.3 Rating Button

You can maintain credit rating details in the ‘Credit Rating’ screen. Click ‘Rating’ button to invoke this screen.

 

Agency Name

Select the credit agency name. The adjoining list displays the name of all Credit agencies maintained in the system. You can select the appropriate one.

Credit Rating

Select the credit rating. The adjoining list displays all the Credit Ratings maintained in the system. You can select the appropriate one.

Primary

Check this box for primary rating.

Note

For an existing Liability system displays the credit rating details when the liability is select­ed.

2.1.16.4 Linkage Details Button

You can maintain Customer Exposure details in the ‘liability linkage Details’ screen. Click ‘Linkage Details’ button to invoke this screen.

 

Exposure Code

Select the exposure code from the available option list.

Exposure Description

System displays the description of exposure based on the exposure code selected.

Exposure Type

System displays the type of exposure based on the exposure code selected.

Note

–  When an account is created without maintaining liability and later the liability is created and linked to the customer, the "Limits tracking" option at the customer level is automatically selected by the system.

– Liability can be modified once the customer record is authorized.

2.1.17 Banking Channels Button

You can capture the information of channels like Internet Banking, Interactive Voice Response, Mobile, ATM, and Credit Card at customer level. These channel details can be maintained in ‘Static Type Maintenance’ (CODTYPES) screen. Click ‘Banking Channels’ button to specify the details relating to channels.

 

Specify the following details:

Banking Channels

Specify the banking channels code. Alternatively, you can select the list of channels from the option list. The list displays the channels maintained in the system.

Banking Channel Name

The system displays the name of the banking channel.

Remarks

Specify remarks for the banking channel subscription.

Note

– While populating the channels to the Customer Account screen, the system populates only the channels which are allowed in primary CIF and Account Class. The system defaults the remarks maintained at customer level to the account. You can modify it.

– You can delete the channels which need not be allowed at the customer account level, but you cannot add the channels which are disallowed at the customer or account class level. The system will display only those channels which are available in both CIF and account class levels.

– You can add channels which are mapped at both CIF and Account Class levels. You cannot delete a channel at CIF/Account Class level, which is already mapped to accounts (authorized or unauthorized) belonging to the CIF/Account Class. The system checks only for active accounts. You can delete the channels from customer/account class level only if the account is closed. During reopen of the account, the system validates whether the account is modified after reopening.

– When an account is created automatically from Customer Creation screen, the channels maintained at both Customer and Account Class is defaulted to the account. If no maintenance is performed at CIF/account class levels for channels, the system does not populate any channels at account.

– When account class transfer happens during batch, the system deletes the existing channels attached to the account and repopulates from the new Account Class and Customer.

During authorization of the account, the system does not repopulate the channel details. While authorizing primary party change, the system defaults the existing channels which are attached to the account and repopulates from the new Customer and Account Class. You can modify the channel information from the main screen for Customer Account Creation.

During save, the system defaults the channel details from Customer and Account Class of the account. You can modify the details in the Account Creation screen (STDCUSAC).

2.1.18 Account Details Button

Click on the Account Details button to invoke the Customer Account screen to specify the customer’s account details.

You can maintain the following parameters here:

Multi Currency Account

The system displays the multi currency account.

Auto Cheque Book Request

Check this box if you want the system to create a request for the cheque book automatically, for the account during account creation.

When you check this box, the system allows you to capture cheque book request details in the Cheque Book Request screen, as part of account creation.

Auto Debit Card Request

Check this box, if you want the system to create a request for the debit card automatically, for the account during account creation.

When you check this box, the system allows you to capture debit card request details in the Debit Card Request Details screen, as part of account creation.

Account Facilities

The system displays the values of following account facilities based on the maintenance in account class screen.

l Cheque Book

l Passbook

l ATM

l Direct Banking

l Alternate Account Number

Note

By availing direct banking facility you can only view the minimum balance of the account. The system does not allow you to perform any other transactions with this facility.

2.1.18.1 Cheque Book Request Button

Click on the ‘Cheque Book Request’ button in the ‘Account Details’ screen to invoke the ‘Cheque Book Request’ screen.

You will be able to invoke this screen, only if you have checked the ‘Auto Cheque Book Request’ check box in the ‘Account Details’ screen.

Branch

The branch detail gets defaulted from the account branch.

Account

The system displays the account number.

First Check Number

Specify the number of the first cheque leaf of the cheque book.

Check Leaves

Specify the number of cheque leaves in the cheque book.

Cheque Book Type

Specify the cheque book type. The adjoining option list displays the cheque types maintained in the system. You can choose the appropriate one.

Order Date

The order date gets defaulted as the current date. However you can change the same.

Order Details

Specify the order details.

Language Code

Specify the code of the language. The adjoining option list displays all valid language codes maintained in the system. You can choose the appropriate one.

Request Status

The value of this will be defaulted to ‘Requested’ status.

Click on ‘Ok’ to save the cheque book request details.

2.1.18.2 Debit Card Request Button

Click on the ‘Card Request’ button in the ‘Account Details’ screen to invoke the ‘Debit Card Request Details’ screen.

You will be able to invoke this screen, only if you have checked the ‘Auto Debit Card Request’ check box in the ‘Account Details’ screen.

Branch Code

The branch detail gets defaulted from the account branch.

Request Reference Number

The reference number of the request is auto generated and populated, when you click on the ‘Default’ button.

Customer No

The customer number of the account gets defaulted.

Account No

The account number gets defaulted from account details.

Card Products

Specify the card products. The adjoining option list displays the card products maintained in the system. You can select the appropriate ones.

Card Bin

Specify the card bin. The adjoining option list displays the card bins maintained for the specified card product. You can choose the appropriate one.

Name on Card

Specify the customer name that is to be printed on card.

Card Number

Specify the debit card number to be requested. The adjoining option list displays the valid debit card numbers maintained in the system. You can choose the appropriate one.

Card Application Date

The card application date would be defaulted as the current date of the branch. However you can change the same.

Primary Card

The primary card check box remains checked by default.

Card Status

The status of the card will be defaulted to ‘Requested’

Click on ‘Ok’ to save the Debit card request details.

2.1.19 MT920 Button

The SWIFT message MT920 is a transaction message requesting latest information available for the particular account. The request will be to transmit account customer statement message (MT940) or Balance report (MT941) or Interim statement (MT942) or a customer summary statement (MT950).

Check the MT920 checkbox only if the customer is eligible for requesting MT920 swift messages for transaction details. In the Customer Maintenance screen, you can indicate if a customer is eligible for requesting MT920 messages. To do this, you need to click MT920 button in the ‘Customer Information Maintenance’ screen and invoke the ‘MT920’ screen.

The screen is shown below:

Here you can enter the following details:

BIC Code

Enter or select valid BIC from the option list. This BIC Code information provided by you is crucial.

Account Number

Once you specify the BIC code, you can enter the relevant Account Number adjacent to it. Click ‘Ok’ to save the details entered here.

2.1.20 Group Button

While maintaining details of a customer account, you can associate it with a customer group. A customer can be associated with several customer groups. Click ‘Group’ button from the ‘Customer Maintenance’ screen to associate the account with a customer group.

The screen is shown below:

2.1.20.1 Specifying Group Details

To associate a customer account with a group, select Group ID from the option list. The option list will contain a list of all the customer groups that you maintained in the ‘Customer Group Maintenance’ screen. To add a group to the list, click Add icon and select a Group ID from the option list. To remove a group from the list, highlight the Group ID and click Delete icon.

For each group that you associate with a customer, you can specify the relationship that the customer shares with the group.

2.1.20.2 Specifying Shareholding Details

You can maintain percentages of shareholding of your individual customers in a corporate entity, which is also your customer. When maintaining customer details of the corporate entity, you can capture names and shareholding percentages of your individual customers who hold shares in the corporate entity.

When you query in Oracle FLEXCUBE, for limits utilizations for any such individual customer, your exposure to the corporate entities is also displayed.

For example, silas Marner and Keith Butler are individual customers and they have contracts and accounts with your bank. Parivallal Express Limited, Gem Granites Limited and Assorted Chemicals Limited are your corporate customers.

Silas Marner has a shareholding in Parivallal Express Limited and Gem Granites Limited. Keith Butler has a shareholding in Gem Granites Limited and Assorted Chemicals Limited.

While querying limits for Silas Marner, your exposure to Parivallal Express Limited and Gem Granites Limited is displayed along with your exposure to Silas Marner.

You can choose to drill down any of the exposures to see the specific line details and contracts. However, if you query for exposure to Parivallal Express Limited or Gem Granites Limited your exposure to Silas Marner is not displayed.

Click ‘Ok’ button to save the details that you specified. Click the windows Close icon to exit the screen without saving the entries that you made.

2.1.21 Linked Entities Button

A customer of your bank can have relationships with any other customer of your bank. Also, a customer of your bank could be a joint account holder with another customer of your bank. You can capture these details when you set up the CIF or customer account.

For linking a customer account, you need to specify details of the relationship for the account. Click the ‘Linked Entities’ button in the ‘Customer Maintenance’ (CIF) screen. The ‘Linked Entities’ screen is displayed.

You must specify a customer code, provide a description, and ID for the relationship.

Customer

Select the customer code from the option list. You can link any number of customers to the primary holder (the customer for whom you are capturing the CIF details) through this screen by establishing a relationship between the two customers.  

Description

In this field, the system displays the name of customer that you have selected in the previous field. You cannot change this description.

Relationship

You have to choose a relationship code to establish a relationship between the customer being selected and the customer (primary holder) you are maintaining.

By default, the system will select the customer of the account as the Primary Holder. This is a pre-shipped relationship and you will not be allowed to change the relationship.

Include Relationship

When you specify the relationship of the customer you can also choose to default the same preference to the customer account maintenance for the specified customer by checking the ‘Include Relationship’ box.

Also, specifying this option at the customer maintenance level will inherit all the properties of the customer relationship to the counterparty of the loan/deposit during the contract input.

Reverse Relationship Linkage

The system displays the customer linkage to other primary customer on query.

Applicable for Signature

Check this box to indicate that the customer is applicable for signature verification.

Processing

If you check the field ‘Applicable for Signature’ in ‘Linked Entities’ sub screen then the system will display the 'Customer Number' in ‘Mandatory Signature Customers’ in ‘Mandatory signature’ sub screen of ‘Customer Account’ screen. And also it will display the signature details in ‘Signature details’ sub screen of 'Transaction' screens.

Relationship linked to this customer is considered for allowed/disallowed product verification at customer account level.

2.1.22 Viewing Customer Information

You can view the customer details maintained in the ‘Customer Maintenance’ screen using the ‘Customer Summary’ screen. You can invoke this screen by typing ‘STSCIF’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

In the above screen, you can base your queries on any or all of the following parameters and fetch records:

l Authorization Status

l Customer No.

l Name

l Customer Category

l Nationality

l Record Status

l Type

l Short Name

l Country

l Branch Code

l Unique Id Value

l Unique Id Name

Select any or all of the above parameters for a query and click ‘Search’ button. The records meeting the selected criteria are displayed.

Note

You can query or modify the customer details whose accounts are permitted to you for the query/modification in the ‘Group Code Restriction’ screen.

If you are allowed to query customer information, then system displays the following details pertaining to the fetched records:

l Authorization Status

l Record Status

l Customer No.

l Type

l Name

l Short Name

l Customer Category

l Country

l Nationality

l Branch Code

l Language

l Address

l Frozen

l Deceased

l Exposure

l Location

l SSN

l Whereabouts Unknown

l Account Number

l Full Name

l SWIFT Code

l Staff

l Date of Birth

l Mother’s Maiden Name

l Incorporation Date

l Tax Identification Number

l Unique Id Value

l Unique Id Name

2.1.23 CIF Signature / Image Capture Functionality

If the transaction is done using the transaction screens, then the system will check whether specific signature maintenance is available at the customer account level of debit account for the underlying product or not.

l For a transaction, if specific maintenance is available at the customer account Level for the underlying product, then the system will display the signature based on the transaction limit, number of signatories and mandatory signatory maintained in the ‘Mandatory Signature’ screen. Apart from the mandatory signature, the system will also display the signature of all the other relations who are authorized to conduct the transaction in ‘Other signature’ section of ‘Mandatory Signature Customers’ sub screen.

l If signature maintenance does not exist and if linked entries are maintained at customer account level, then the system will display the signature of all the relations who are authorized to conduct the transaction in ‘Other signature’ section of ‘Mandatory Signature Customers’ sub screen.

l If signature maintenance does not exists and no linked entities are maintained for the debit account of transaction then the signature maintained for debit account CIF will be displayed in the ‘Other signature’ section of  ‘Mandatory Signature Customers’ sub screen. Signature from ‘Image’ sub screen of ‘Customer Maintenance’ screen of debit account CIF will be displayed.

l If transaction amount is not input in any transaction screen and if the sub screen ‘Signature details’ is visited, then the system will not display any data in the sub screen.

2.2 Personally Identifiable Information

Transaction Limit maintained at ‘Customer Account’ level for a particular product should be in local currency. If the transaction currency is different from local currency, then the transaction amount will be converted into local currency using standard midrate for comparison with transaction limit.

Oracle FLEXCUBE allows you to mask, forget, restrict access to personally identifiable information (PII) of the customers. Personally Identifiable Information captured in the system are categorized as follows:

Customer Personal Information

 

The following flow diagram explains the data flow of Personally Identifiable Information (PII):

For more details on Personally Identifiable Information refer ‘Common Core - Security Management System user manual.

2.3 Customer Category Maintenance

This section contains the following topics:

l Section 2.3.1, "Defining Customer Category"

l Section 2.3.2, "Invoking Customer Category Screen"

l Section 2.3.3, "Creating Customer Categories"

2.3.1 Defining Customer Category

You may wish to classify the customers of your bank into certain broad categories/groups. For instance, all financial institutions who are your bank’s customer can be classified into a single common group head called Financial Institutions. Similarly, you can have a category called banks, individuals, etc.

The classification of customers into categories can be used for retrieving financial information by customer category; for generating reports on queries; and restricting access of a customer to a product in the front - end modules, for instance, Data Entry, etc. You may also retrieve financial information by customer category.

The categories are maintained in the ‘Customer Categories’ screen and are maintained at the bank level by your Head Office. The customers are allocated different categories maintained in this screen in the ‘Customer Information Maintenance’ screen.

2.3.2 Invoking Customer Category Screen

To invoke the ‘Customer Categories Details’ screen, type ‘STDCSCAG’ in the field at the top right corner of the Application tool bar and click the adjoining arrow button.

The screen is shown below:

 

In this screen, you maintain the following:

l Name of the customer category

l Description of the category

l Customer log

2.3.3 Creating Customer Categories

To create customer categories the following parameters need to be maintained:

Customer Category

In this category, you can classify customers of your bank.

When you are creating a product - be it in a loan, a deposit, a placement, or a swap foreign exchange deal, you may want to restrict access to the product to a set of customers.

For this, the customers are classified into broad categories, the code of which is input against this field. A category consists of a group of like customers. For instance, if you create a category called, Financial Institutions - all financial institutions who are customers of your bank will come under this category. Likewise, all customers of your bank belong to some category.

It should be noted that at the product level, specifications made for a customer overrides the specifications made for the category. For example, if all financial institutions are allowed access to a particular product; you have the option of restricting the access of one or a few individual financial institutions to his product.

Input the customer category you want to create using not more than 10 characters, alphanumeric. The category code should be unique. For Example, for Financial Institutions category, you can input the code as FinIn.

Description

This is the description of the customer category input above. Enter the description of the customer category input above in not more than 35 character, alphanumeric. Taking the above example, you can enter financial institutions

Maintain Customer Log

Check this box to indicate that customer information has to be tracked.

After you have made the inputs, click the Save icon to save your record. A record is not used until a user other than you authorizes it.

To authorize, click ‘Authorize’ button in the toolbar. If any modifications were made, the old and the new values will be displayed. After which an alert box will indicate that the change will be authorized. You will be prompted to conform. To confirm, click ‘OK’ button. The change will be authorized. Your User ID, the date and time at which the authorization was made will be displayed in the Auth ID and date and time fields at the bottom of the screen. The status of the record will be updated to ‘Authorized’. If you do not want to authorize the change then click Exit icon, you will be returned to the screen from where you invoked the authorization function. Remember that you cannot authorize an event that you have input. Only another user who has the requisite rights can authorize the event.

To exit, click Exit icon. You will return to the Application Browser.

2.4 Customer Group Maintenance

This section contains the following topics:

l Section 2.4.1, "Maintaining Customer Groups"

l Section 2.4.2, "Maintaining Limits for Customer Group"

2.4.1 Maintaining Customer Groups

You can maintain customer groups for any of the following reasons:

l Tracking Exposure for loans as well as outstanding overdrafts in accounts of customers involving the group; in which case, it would comprise of either Corporate or Retail customers.

l Defining Group specific rules – in which case it would either be a Clearing or a Charge Group. Clearing Groups are built in order to derive the Value Date of outward clearing check transactions. Charge Groups are created in order to levy specific charges on customers belonging to the group.

You can set up such groups through the ‘Group Code Maintenance’ screen. Invoke this screen by typing   ‘STDGRPCD’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Group Type

You could use this section to indicate whether the customer group you are defining is:

l Corporate

l Retail

l Charge

l Clearing

l Tax

You can select the appropriate option.

Creating Customer Groups for Tracking Exposure

You may wish to track exposure due to loans issued to a group of customers as a whole, and assign the status of all loans issued to the group as the status of the loan with the worst status, among those issued to the group.  

You may similarly wish to include the exposure due to outstanding overdraft in respect of a group of customer accounts as a whole, and assign the status of all customer accounts belonging to the group as the status of the customer account with the worst status among the accounts and loans belonging to the group.

When you set up a group for tracking exposure due to loans and customer accounts, you will need to specify the applicable exposure category.

The exposure category for a group is either derived from the logic maintained in the Exposure Type Category Linkage maintenance for the group type, or explicitly specified. If it is derived, it is displayed in this screen, by the End of Day batch program. The type of the group indicates the type of customers that belong to the group – retail or corporate.  If no logic has been maintained in the Exposure Type Category Linkage for the group type, you can indicate the applicable exposure category for the group.

Group Status

All loans and overdraft accounts issued to customers in the group will be assigned the same status, which will be the status of the loan / overdraft account with the worst status among those issued to customers in the group.  The Group/CIF and the loan contracts and overdraft accounts are all updated with this worst status if they have been marked for automatic status processing .The individual status for the accounts and loan contracts (apart from assigning the worst status) is also captured and displayed.  In the ‘Group Code Maintenance’ screen and the ‘CIF Maintenance’ screen, the status for the group is displayed, as well as the date since which the status came into effect.

For details about loan status processing and provisioning, consult the Loans user manual.

Customer Group

When you maintain CIF details for customers, in the ‘Customer Information Maintenance’ screen, you can specify the customer group to which the customer belongs, for:

l Provisioning and status processing (Group Code). You must specify a group code defined for a group type that is the same as the customer type, for instance, if the customer is a retail customer, you must specify a group defined for retail customers

l Classifying the customer as a Clearing customer

l Categorizing the customer for levying charges at a customer group level

l Classifying the customer as a taxpayer.  If you select this option, the Exposure Category field will be disabled

To track your credit exposure to a group of customers you should:

l Create Customer Groups and assign credit limits to it

l Associate a customer with a group

2.4.2 Maintaining Limits for Customer Group

You can maintain Customer Groups and set up credit limits in the ‘Customer Group Maintenance’ screen. You can invoke this screen by typing ‘STDGRPMT’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Group ID

You can assign a unique identification code to each customer group that you create. You can also enter the detailed name of the group. In the subsequent fields you can set up credit limits for the group.

While setting up a customer, you can indicate the group to which the customer is associated.

Note

It is important to note that in Oracle FLEXCUBE a customer group is different from a cus­tomer category. You create customer groups only to set up group limits and report credit utilization by the customers that belong to the group.

Limit Amount and Limit Currency

The limit amount indicates the maximum amount that customers under a group can utilize. You can indicate the currency in which the limit amount is expressed.

The outstanding of all customers associated with a group is aggregated to arrive at the credit utilization of the group. This includes issuer risk arising out of securities issued by your customers and held by the bank.

2.5 Customer Segment Maintenance

This section contains the following topics:

l Section 2.5.1, "Maintaining Customer Segment"

l Section 2.5.2, "Viewing Customer Segment Summary Screen"

l Section 2.5.3, "Associating Segment Code to Customer"

l Section 2.5.4, "Viewing Customer Segment Association Summary Screen"

Oracle FLEXCUBE calculates the relationship tag value or net worth range. The Relationship Manager (RM) categorizes the customers under segments based on the customer’s net worth range or relationship tag value. The RM either will take a decision on association of segment and status; or can amend the segment and status.

2.5.1 Maintaining Customer Segment

You can maintain the segment code details in the ‘Customer Segment Maintenance’ screen. You can invoke this screen by typing ‘STDSEGMT’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You need to specify the following information:

Segment Code

Specify the segment code.

Segment Description

Specify a short description on segment code.

Segment Currency

Specify the currency of the corresponding segment amounts.

Note

If the customer has multiple accounts in different currencies, then the relationship tag val­ue or net worth range is calculated in accordance with the bank local currency.

Minimum Segment Amount

Specify the minimum segment amount.

Maximum Segment Amount

Specify the maximum segment amount

2.5.2 Viewing Customer Segment Summary Screen

You can view the segment code details in the ‘Customer Segment Summary’ screen. You can invoke this screen by typing ‘STSSEGMT’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

In the above screen, you can base your queries on any or all of the following parameters and fetch records:

l Authorization Status

l Record Status

l Segment Code

l Minimum Segment Amount

l Maximum Segment Amount

l Segment Currency

Select any or all of the above parameters for a query and click ‘Search’ button. The records meeting the selected criteria are displayed.

System displays the following details pertaining to the fetched records:

l Authorization Status

l Record Status

l Segment Code

l Minimum Segment Amount

l Maximum Segment Amount

l Segment Currency

2.5.3 Associating Segment Code to Customer

Customers can be associated to segment code by mapping customers in ‘Customer Segment Association’ screen. You can invoke this screen by typing ‘STDSEGAS’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

The ‘Customer Segment Association’ screen provides the following fields:

Customer No

Specify the Customer Number..You can select the customer number from the adjoining option list. The customer CIF Number should be unique across all branches.

Note

The option list doesn’t include the customer numbers which are created under the BRO­KER and BANK customer category,

For example, assign a code using a maximum of 9 characters, alphanumeric. For example, assume your customer is DOW Corporation, US. You can assign him a code, which could either, be a number representing the customer’s serial number or an alphabetic code like DowCorp or an alphanumeric code like Dow1000US or DowUS1000 / 1000DowUS, if he is the 1000th customer to approach your bank

Customer Currency

Specify the customer currency. The system will use this as the default currency of the customer in the transactions.

Segment Code

Specify the segment code. While amending the segment code, if the customer’s relationship tag value or net worth range doesn’t match with the minimum and maximum net worth amounts maintained at the segment code level; then system will display the override message: as “Segment Code Specified doesn’t match with the Min and Max Range maintained at segment level.”

Segmentation Status

Select the segment status of the account from the following options:

l Upgraded-Select this option if you are associating the segment code to a customer for the first time .It is available only for the first time association.

l Downgraded- Select this option if net worth range or relationship tag value is less than the minimum amount of segment code attached to the customer.

l Re-upgraded-Select this option if networth of the customer is more than the maximum amount specified.

Customer Name

The system displays the customer’s name.

Segment Description

The system displays the segment’s description.

Click the ‘Default’ button to view the value of currency of the corresponding Net Worth.

Net Worth Currency

The system displays the currency of the segment’s net worth.

Net Worth

The system displays the net worth value of the customer considering the available balance of the accounts.

2.5.4 Viewing Customer Segment Association Summary Screen

You can view the details of the customer’s segment association in the ‘Customer Segment Association Summary’ screen. You can invoke this screen by typing ‘STSSEGAS’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

In the above screen, you can base your queries on any or all of the following parameters and fetch records:

l Authorization Status

l Record Status

l Customer No

l Segment Code

l Segmentation Status

l Net Worth

l Net Worth Currency

Select any or all of the above parameters for a query and click ‘Search’ button. The records meeting the selected criteria are displayed.

System displays the following details pertaining to the fetched records:

l Authorization Status

l Record Status

l Customer No

l Segment Code

l Segmentation Status

l Net Worth

l Net Worth Currency

2.6 Capturing Customer Prefixes

While maintaining the CIF details, of an Individual customer you can capture the academic titles (like Prof., Dr., etc) of the customer along with the salutations (like Consulate, Senator, Chancellor, etc.)

Therefore, you must maintain the list of possible options for each of these academic titles and salutations referred to as ‘prefixes’ through the ‘Customer Prefix Maintenance’ screen.

You can invoke this screen by typing ‘’STDCUPRT’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

The screen is as shown below:

The following details need to be captured:

l Branch code - This is the code of the branch for which the list of prefixes will be made available. The description associated with the branch is displayed in the adjacent field

l Prefix1 - This is the first prefix to appear in the Customer Name

l Prefix2 - This is the second prefix to appear in the Customer Name

l Prefix3 - This is the third prefix to appear in the Customer Name

While specifying the prefix in the customer in the CIF screen, a list of all the values maintained in this screen is displayed. You will also be allowed to key-in a prefix of your choice.

These details will be printed along with the receiver name in all messages sent to the customer. If the global tags for prefixes have been maintained in the advice, the System substitutes the tags with the respective prefixes maintained in the customer personal details of the receiver.

Note

This feature is applicable only for individual customers where the media type is Mail.

2.7 Quick Customer Addition

This section contains the following topics:

l Section 2.7.1, "Invoking Quick Customer Addition Screen"

l Section 2.7.2, "Personal Tab"

l Section 2.7.3, "Corporate Tab"

l Section 2.7.4, "Check List Tab"

l Section 2.7.5, "Account Details Button"

l Section 2.7.6, "MIS Button"

l Section 2.7.7, "Fields Button"

l Section 2.7.8, "Change Log Button"

l Section 2.7.9, "Viewing Quick Customer Addition Summary"

2.7.1 Invoking Quick Customer Addition Screen

In the ‘Quick Customer Addition’ screen, you can create, delete and authorize customer accounts. This screen facilitates creating a new customer account only with basic details. Additional details are added and amended in the ‘Customer Maintenance’ screen.

You can invoke the ‘Quick Customer Addition’ screen by typing ‘STDCIFAD’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Note

The system does not allow to add ‘Bank’ type customers through ‘Quick Customer Addi­tion’ screen.

You need to specify the following details:

Type

Select the customer type from the following options:

l Individual

l Corporate

Special Customer No Generation

Check this box to generate a special customer number in the ‘Customer Number’ field.

Note

– If the customer creation is manual/automatic, you should enter the desired customer number complying with the mask having the special number in the ‘Customer Number’ field. On click of ‘Populate’ button, the system validates whether the special number entered is an unused and a valid number.

– This field is disabled after generating customer number in the ‘Customer Number’ field.

– For normal customers, if the customer number generation is manual, you cannot use the special numbers maintained for customer number generation. If the customer number generation is automatic, the system skips the special numbers maintained for the branch.

– You cannot generate Special Customer Number from ‘Quick Customer Creation’ screen. A customer created using ‘Quick Customer Creation’ screen is treated as normal customer.

You can maintain branch wise CIF and CASA range for specific customers. A range can also be maintained for special number generation. For more information, refer to the section ‘Special Range/Number Maintenance’ in the chapter 'Customer Accounts' in CASA User Manual.

Customer No

Specify the customer number. The option list displays valid customer numbers. Choose the appropriate one.

Note

In bank parameters, if the ‘Auto CIF Generate’ check box is selected, the system gener­ates and displays CIF. Else, you need to specify the CIF as per the CIF mask.

Multi Currency Account

The system generates multi currency account number and customer account number when account class is enabled for multi currency account else it generates only customer account number.

This will be a user input field if it is not auto generated. On save the system validates against the mask maintained at Branch level.

Bank level mask is referred when branch level mask is not available.

l The first account opened under MCA account class is considered as primary account of the customer.

l The system displays an error when another account is opened for the customer in the same account class through this screen.

l A separate screen is available to open the accounts in other currencies under MCA.

Full Name

Specify the complete name of the customer.

Short Name

Specify the customer’s unique abbreviated name or a short name.It helps in conducting a quick alpha-search or generating queries regarding the customer. This is an optional field.

While processing a transaction which involves customer identification, this uniquely abbreviated short name of the customer will be available in the option list for selection of the customer.

Branch Code

The system displays the local branch code.

Customer Category

Specify the customer category. The option list displays the values maintained in Customer Categories Maintenance. Choose the appropriate one.

Refer to section 2.2.6 for more information on Customer Category.

Private Customer

Check the box if the customer is a private customer.

Auto Account Creation

Check the box if an account has to be created simultaneously with the customer creation.

Auto Created Account

The system displays the customer account number that is created using 'Add Account' facility.

2.7.2 Personal Tab

Personal tab is accessible only when the customer type is selected as ‘Individual’. In this tab, you need to provide the following information:

Basic Details

Prefix

Specify the prefix of the customer.

First

Specify the first name of the customer. If ‘Investment Customer’ is selected in the ‘Additional Tab’ and if the type of customer selected is ‘Individual’, then this field will be a mandatory field.

Middle

Specify the middle name of the customer.

Last

Specify the last name of the customer.

Work Phone

Specify the work telephone number of the customer for correspondence.

Home Phone

Specify the home telephone number of the customer for correspondence.

Fax

Specify the fax number of the customer for correspondence.

Email Id

Specify the email address of the customer for correspondence.

Mobile Number

Specify the mobile number of the customer for correspondence.

Communication Mode

Select the mode of communication for the customer. The options available in communication mode are:

l Mobile

l Email

Gender

Select the gender of the customer. The following options are available for selection:

l Male

l Female

l Other

l Prefer Not to Disclose

National Id

Specify the corporate National Identification Number of this customer, This is the registration number of your customer organization.

Date of Birth

Specify the date of birth of the customer.

Resident Status

Select the residential status of the customer. The options available are:

l Resident

l Non Resident

Language

The system displays ‘English’. You can modify it, if required.

Address For Correspondence

Specify the address of the customer. You need to provide the following address details:

Name

Specify the name of the customer.

Note

The number of characters that you can enter in this field is determined by the preference that you specified in the Bank Parameters screen. However, in the advices and statements that are sent to the customer only the first 35 characters of the name will be displayed.

Address Code

Specify the address code from the adjoining option list.

Address 1–4

Specify the mailing address of the customer. In each line, all characters should conform to SWIFT standards.

Pincode

Specify pincode of the address specified.

Country

Select the country of the customer from the adjoining option list.

Nationality

Select the nationality of the customer from the adjoining option list

Permanent Address

‘Permanent Address’ contains the permanent address of the customer. You need to specify the following information:

Same as Correspondence Address

Check the box if the ‘Address For Correspondence’ is same as “Permanent Address’. If the permanent address is not same as the address for correspondence, you need to provide the details of the permanent address.

Address Code

Specify the address code from the adjoining option list.

Address 1–4

Specify the permanent address of the customer.

Pincode

Specify pincode of the permanent address specified.

Country

Specify the country of permanent residence of the customer.

Additional Details

Staff

Check this box whenever a customer record is created for a staff. By default this box is left unchecked.

KYC Status

Select the Know Your Customer (KYC) status of the customer.

KYC Reference

The system displays the reference number. The KYC reference number will be generated and displayed while saving this screen.

Guardian

Specify the name of the legal guardian of the customer if the customer is a minor. You can capture the name of the legal guardian, not exceeding 35 characters, alphanumeric. The characters should conform to SWIFT standards.

Minor

Check the box if the customer wants to nominee a minor.

Submit Age Proof

Select the age proof submission status of the minor to major from the following options:

l Not required

l Pending

l Verified

Note

– Any out flow or debit transaction is posted on a particular customer’s account/s and the ‘Submit Age Proof’ chosen is ‘Pending’, then the system displays an error message as “Necessary documents are not submitted for Major”.

– Once the documents are submitted, the user has to manually set ‘Submit Age Proof’ as ‘Verified’.

After the field ‘Submit Age Proof’ is changed to ‘Verified’, then all the accounts created for the customer would be allowed for withdrawals.

Sanction Check Status

The system displays the sanction check status. The status can be any of the following:

l Not required

l Pending

l Approved

l Rejected

By default the ‘Sanction Check Status’ is updated as ‘Not Required’. When the request for sanction check is send, then the status is updated as ‘Pending’. If the sanction check status of the record is ‘Pending’, then the records cannot be reopened, modified or authorized.

Based on the final status received from the external system, the status is updated as 'Approved' or 'Rejected'.

For more information on sanction check maintenance and processing refer ‘Sanction Check Maintenance’ chapter in Core Service user manual.

Identifier

Name

Enter the identifier name in not more than 20 characters.

Value

Specify the value of the identifier. You have to capture the serial number or any number of significance that is to be associated with the document, which helps in identifying the document.

SSN

Specify the SSN available in the identifier.

2.7.3 Corporate Tab

Corporate tab is accessible only when the customer type is selected as ‘Corporate’. In this tab, you need to provide the following information:

Address For Correspondence

‘Address for Correspondence’ contains the physical address of the customer. You need to specify the following address details:

Name

Specify the name of the customer. The customer will be addressed by this name in all correspondence sent from the bank. These characters should conform to SWIFT standards.

Note

The number of characters that you can enter in this field is determined by the preference that you specified in the Bank Parameters screen. However, in the advices and statements that are sent to the customer only the first 35 characters of the name will be displayed.

Address Code

Specify the address code from the adjoining option list.

Address 1–4

Specify the mailing address of the customer.

Pincode

Specify pincode of the mailing address specified.

Country

Specify the country as given in the address of correspondence of the customer. You can select the appropriate country from the adjoining option list.

Nationality

Specify the nationality of the customer. You can select the appropriate nationality from the adjoining option list.

Telephone

Specify the telephone number of the customer.

Fax

Specify the fax number of the customer for correspondence.

Email Id

Specify the email address of the customer for correspondence.

Mobile Number

Specify the mobile number of the customer.

Language

Specify the language for customer communication.

Communication Mode

Choose the mode of communication for the customer. The options available in communication mode are:

l Mobile

l Email

Registration Address

Same as Correspondence Address

Check box if the registration address is same as the correspondence address.

Name

Specify the customer’s company code from adjoining option list.

Address Code

Specify the address code from the adjoining option list.

Address 1–4

Specify the registration address of the customer.

Pincode

Specify pincode of the mailing address specified.

County

Specify the country’s name as per the registration address.

Incorporation

You need to specify the details about the company.

Date

Specify the date on which the company was started.

Currency of Amounts

Specify the Currency in which you specify the particular customer’s various financial details.

Capital

Specify the initial investment in the company.

Net Worth

Specify the net worth of the company.

Country

Specify the Country of registration of the office of the corporate.

Description of Business

Specify the nature of the business and the business activities carried out by the customer organization.

Additional Details

KYC Status

Select the Know Your Customer (KYC) status of the customer.

KYC Reference

The system displays the reference number. The KYC reference number will be generated and displayed while saving this screen.

National Id

 Select the corporate National Identification Number of this customer., in other words the registration number of your customer organization. Select the appropriate from the adjoining list.

Joint Venture

Select the check box if you have a joint venture.

Joint Venture Details

Party ID

Specify the party ID of your joint venture.

Party Name

The system displays the party name.

Ratio

Specify the ratio between the participants on share.

Identifier

Name

Enter the identifier name..

Value

Specify the identifier value.You have to capture the serial number or any number of significance that is to be associated with the document, which helps in identifying the document.

2.7.4 Check List Tab

Checklist is an optional tab based on the workflow of the bank. In this tab, you need to provide the following information:

Document List

Document Type

Specify the document type. The option list displays the document types that are maintained in the system. You can select the appropriate one. If ‘Investment Customer’ has been selected in the ‘Additional Tab’ then at least one record needs to be provided mandatorily.

Checked

Check this box to indicate that the received documents are acknowledged.

Remarks

Remarks

Specify the remarks about the workflow of the bank, if any.

2.7.5 Account Details Button

You can capture the details to open a customer’s account quickly using the ‘Quick Customer Account Opening’ screen. To invoke this screen, click ‘Add Account’ button in the ‘Customer Accounts Maintenance’ screen.

Note

After specifying the basic details, you can create a new account in addition to creating a customer.

You need to specify the following details:

Location

Each customer code should be associated with a location code. The location is indicative of the place of residence of your customer.

The option list positioned next to this field contains a list of all the location codes maintained in the Location Details maintenance screen. You can select the appropriate code to identify the place of residence of your customer.

Given below is an illustration of how a location code is associated with the CIF record of a customer. For example, you would like to maintain the CIF details of your customer Silas Marner. Although Silas Marner is Irish, he is a resident of London and lives in the northern part of London. Your entries in the respective fields of the CIF Maintenance screen should be as follows:

Options

Spend Analysis

The system displays the status of spend analysis from the ‘Account Class Maintenance’ screen.

Contribute to PDM

This box is checked by default while creating an account, to indicate that the account balance should be considered for contribution to the profit distribution pool. However, you can uncheck it.

Exclude from Distribution

If this box is checked, the system will not consider the account for profit distribution. Leave the box unchecked to include the account in profit distribution. Note that you can uncheck this box only if you check the box ‘Contribute to PDM’.

‘Contribute to PDM’ and ‘Exclude from Distribution’ can be checked only for Islamic account classes. If ‘Contribute to PDM’ and ‘Exclude from Distribution’ are selected for conventional account classes the system displays an error message.

For more details on the ‘Quick Customer Account Opening’ screen, refer to the section, ‘Quick Account Opening’ in the chapter, ‘Customer Accounts’ of the Oracle FLEXCUBE, ‘Current and Savings Account’ User Manual.

2.7.6 MIS Button

You can capture Management Information System details for the account, using the ‘Management Information System’ screen. To invoke this screen, click ‘MIS’ button in the ‘Customer Accounts Maintenance’ screen.

For more details on the ‘Management Information System’ screen, refer to the section ’3.2.19’ in the chapter, ‘Maintaining Customer Accounts’ of the Oracle FLEXCUBE, ‘Current and Savings Account’ User Manual.

2.7.7 Fields Button

You can capture User Defined Fields for the account, using the ‘User Defined Fields’ screen. To invoke this screen, click ‘Fields’ button in the ‘Customer Accounts Maintenance’ screen.

For more details on the ‘User Defined Fields’ screen, refer to the section ’3.2.26’ in the chapter, ‘Maintaining Customer Accounts’ of the Oracle FLEXCUBE, ‘Current and Savings Account’ User Manual.

2.7.8 Change Log Button

You can capture the audit history details for the operations performed on that customer and the account using the ‘Change Log’ screen. To invoke this screen, click ‘Change Log’ button in the ‘Customer Accounts Maintenance’ screen.

For more details on the ‘Change Log’ screen, refer to the section ’3.2.34.1’ in the chapter, ‘Maintaining Customer Accounts’ of the Oracle FLEXCUBE, ‘Current and Savings Account’ User Manual.

2.7.9 Viewing Quick Customer Addition Summary

You can view the details of the quick customer addition in the ‘Quick Customer Addition Summary’ screen. You can invoke this screen by typing ‘STSCIFAD’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

You can search for the records based on either one or more of the following search parameters:

l Authorization Status

l Record Status

l Customer No

l Type

l Name

l Short Name

l Customer Category

l Country

l Nationality

l Branch Code

Once you have specified the search parameters, click ‘Search’ button. The system will display the following information:

l Authorization Status

l Record Status

l Customer No

l Type

l Name

l Short Name

l Customer Category

l Country

l Nationality

l Branch Code

l Address

l Full Name

l SSN

2.8 Employer Maintenance

In Oracle FLEXCUBE, you can maintain details regarding the employer of a customer. You can maintain the employer details in the ‘Employer Maintenance’ screen. You can invoke this screen by typing ‘SMDEMPMT’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

The screen is as shown below:

You can maintain the following details here:

Employer Code

Specify a unique code for the employer. The employer code can be an alphanumeric character with a maximum length of nine characters.

Employer Description

Enter a small description for the employer code entered.

2.9 Tax Waiver Maintenance

This section contains the following topics:

l Section 2.9.1, "Pick-up Order for Waiver Rule"

l Section 2.9.2, "Maintaining Tax Allowance Limit for Customers"

You can maintain waiver related information for Customer Tax Group – Tax Category combination. Invoke this screen by typing ‘STDTAXWA’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

The screen is as shown below:

Customer Group

You need to specify the Customer Group for which you wish to maintain Tax waiver.  Select a customer group from the option list provided.

Customer Number

All customers who have been maintained under the selected customer tax group will appear for selection. If the maintenance is applicable to all customers, select ‘All’ as customer number. If no maintenance is done, then there will be no tax waiver at the customer level.

Tax Category

You need to specify a tax category for which you wish to main tax waiver

Tax Currency

You need to specify the currency in which the tax waiver should  be defined. Select ‘*.*’ if you  wish to define tax waiver for all currencies.

Product Or Account Class

You need to specify the Product/Account Class for which the tax waiver is being defined. All account classes and all LD/MM products will be available for selection. You may also select ‘ALL’ in which case the tax waiver would be applicable to all products and account classes.

From Date and To Date

You need to specify the date from which the particular waiver rule is applicable.  The To Date is the date up to which the waiver rule is effective.

The To Date should be greater than or equal to the From Date. The To Date field can also be left blank which would indicate that the maintenance is open-ended.

When a backdated transaction comes in, the waiver maintenance will be picked up based on from date and to date.

Waiver %

Specify the tax waiver in terms of percentage, which should be made applicable for the period defined. The value you enter should be > 0 and < = 100.

2.9.1 Pick-up Order for Waiver Rule

The following table gives the waiver rule pick up order:

Thus for a specific customer in the group, the rule is relaxed for the product first and then for the currency. If no rule is available for selection, then the same process will be repeated where customer number is ‘ALL’ for the customer group.

2.9.2 Maintaining Tax Allowance Limit for Customers

You can maintain tax-free allowance limit at the Customer level. Invoke this screen by typing ‘STDCULMT’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

The screen is as shown below:

Customer Group

You need to specify the tax group of the customer for whom you wish to define tax-free allowance limit. Select from the option list provided.  

Customer Number

You need to specify the customer number for which you wish to define tax free allowance limit. Only customers belonging to the selected tax group will be available for selection. You may also select the ‘All’ option. This is indicative of all customers for the selected Tax Group.

Tax Category

You need to specify the tax category for which you wish to define tax free allowance limit. Select from the option list provided.

From and To Date

You need to specify the date from which the tax-free allowance limit is effective, as well as the date up to which this limit is applicable. The To Date should be greater than or equal to the From Date. The To Date field can also be left blank which would indicate that the maintenance is open-ended.

Limit Currency

You need to specify the currency in which the free allowance limit is being defined

Limit Amount

You need to specify the maximum waiver for the taxable amount (Basis Amount) for the customer for each tax cycle if the End Date overlaps tax cycles or for a particular tax cycle if the period falls within a specific tax cycle.

Remarks

You can specify any remarks you think necessary for the tax limit you have defined.  This will be in free format text.

2.9.2.1 Deriving Tax Free Allowance Limit

The following table will be used to derive the tax-free allowance limit:

2.10 Maintaining Risk Category for Customers

In order to support risk-weighted risk tracking, you will have to maintain risk details for Customers.

You can maintain different Risk Categories for Customers in the ‘Risk Category Maintenance’ screen. You can invoke this screen by typing ‘STDRSKMT in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Specify the following details in this screen:

l Risk Category – Define the type of Risk Category in this field

l Description – Provide a brief description of the Risk Category being maintained

The types of Risk Categories defined in this screen will be available for Liability maintenance of customers and Risk percent maintenance, only upon authorization of the details maintained.

Note

Risk Category is not a mandatory input during Customer Maintenance. Risk Category is applicable to the Customer and not to the Customer’s Liability ID.

2.11 Maintaining Customer Ownership

You can maintain different types of customer ownerships in ‘Customer Ownership Maintenance’ screen. You can invoke this screen by typing ‘STDOWMNT’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You can maintain the following details:

Customer Ownership

Specify the type of customer ownership you need to maintain.

Description

Specify the description for the customer ownership type specified.

Customer Ownership maintenance is a day 0 maintenance. You can amend the ownership record only when the created record is not used in any of the customer record. Also, The created records cannot be closed.

2.12 Viewing Customer Net Worth Report

To generate the report of the customer’s net worth, type ‘STRCUSEG’ in the field at the top right corner of the Application tool bar and clicking on the adjoining arrow button.

The system displays the following details:

l Customer Number

l Customer Name

l Local Branch

l RM Id

l Net Worth

2.13 Customer Relationship Maintenance

This section contains the following topics:

l Section 2.13.1, "Maintaining Types of Relationships"

l Section 2.13.2, "Maintaining Relationships between Customers"

The credit facility granted to any customer is tracked against the Liability Number of the customer. You can also track the liability of a customer (child) against a different customer (parent). Thus, the liability number emphasizes only one kind of relationship, that of the parent with the child.

However, a customer of your bank can have relationships with other customers of your bank i.e. there is a possibility of one to many relationships between customers.

Oracle FLEXCUBE allows you to define different types of relationships that can exist between two customers. For eg: Business, Husband, Wife, and Partners etc. You can link two customers by specifying the relationship that exists between them. The advantage being that, when you generate the exposure report for a customer, it will display the total exposure of the bank to every customer linked to the liability in question as well as the exposure of every customer who is related to any customer within the liability. The example given at the end of this section will further illustrate this concept.

2.13.1 Maintaining Types of Relationships

You can maintain the different types of relationships that can exist between customers of your bank in the ‘Relation Maintenance’ screen. You can invoke this screen by typing ‘STDRELMN

’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Specify the following details in this screen:

l Relation – Define the type of relationship in this field. You can use a maximum of 20 alphanumeric characters to define a relationship

l Description – Provide a brief description of the relationship being maintained. This will further help you in identifying the relationship

The types of relationships defined in this screen will become available for linking two customers, only upon authorization of the details maintained

2.13.2 Maintaining Relationships between Customers

The ‘Customer Linkage Maintenance’ screen is used to maintain relationships between customers. In this screen, you can link two customers and specify the relationship that exists between them. You can invoke this screen by typing ‘STDCULMN’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

The screen is as shown below:

Customer 1 and 2

You can select the names of the customers between whom a relationship is to be established. All authorized customers of your bank will be available in the option-lists provided.

Relation

Specify the type of relationship that exists between the selected customers (1 & 2). All authorized relation types maintained through the ‘Relation Maintenance’ screen will be available in the option list provided. You can select the appropriate name from this list.

This linkage of customers will be used for taking exposure report for the customer. If you maintain a linkage between Customer1 and Customer2, the system will automatically establish a linkage of Customer2 with Customer1. After you maintain a linkage between two customers, you are not allowed to change the customers involved in the linkage. However, you can alter the relationship that exists between them. Only one type of relationship can exist between any two customers. The following example will illustrate the manner in which you can maintain relationship details between customers and the need for the same.

2.14 Float Days Maintenance

The section contains following topics:

l Section 2.14.1, "Maintaining Float Days for Outward Clearing Customer Transactions"

l Section 2.14.2, "Extending Float Days for Outward Clearing Transaction"

l Section 2.14.3, "Extending Float Days of a Specific Outward Clearing Transaction"

l Section 2.14.4, "Float Extension Batch Process"

2.14.1 Maintaining Float Days for Outward Clearing Customer Transactions

Float days applicable for arriving at the Credit Value Date for outward clearing customer transactions are defined through the ‘Float Days Detailed’ screen.

Invoke this screen by typing ‘’STDFLTMT’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You can define the float days for transactions involving a specific Clearing Bank, Branch, Product, Sector and Currency combination for:

l All customer groups and all customers within the groups

l A specific customer group and all customers within the group

l A specific customer group and a specific customer within the group

The System resolves the float days in the following order:

Note

The float days will be considered as Working Days or Calendar Days depending on your specification in the ‘ARC Maintenance’ screen.

2.14.2 Extending Float Days for Outward Clearing Transaction

Oracle FLEXCUBE supports the extension of float days for outward clearing transactions. The value date of the outward clearing transaction is extended based on

l Sector Code

l Bank Code

l Branch Code

Invoke the Float Extension Maintenance Screen by typing ‘CGDBFLEX’ in the field at the top right corner of the application tool bar and clicking the adjoining arrow button.

Branch Code

Alphanumeric; Mandatory

The system displays the branch code.

Clearing Type

Alphanumeric; Mandatory

Select the clearing type from the adjoining option list.

Reference Number

Alphanumeric; Mandatory

The system displays the unique reference number of the float extension maintenance.

Float Extension

Numeric; Mandatory

Specify the number of days by which the float days is extended for clearing the instrument.

Sector Code

Alphanumeric; Mandatory

Select the sector code from the adjoining option list.

Status

Alphanumeric; Optional

The system displays the status whether the maintenance is executed or not.

Bank Code

Alphanumeric; Mandatory

Select the bank code from the adjoining option list.

Transaction Date

Date Format; Mandatory

The system displays the transaction date as current date.

Clearing Branch Code

Alphanumeric; Mandatory

Select the specific branch code or ALL from the adjoining option list.

You can maintain a New record for Float Extension. You can also View, Unlock, Authorize, Delete, Close and Open the same.

2.14.3 Extending Float Days of a Specific Outward Clearing Transaction

Float days are extended for a specific cheque, demand draft, bankers cheque and also for a group of transactions like all outward clearing transactions of a specific sector or bank sector. Invoke the ‘Float extension of a Outward Clearing’ by typing ‘CGDCFLEX’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You can query the outward clearing transactions based on the following criteria:

l Account Number

l Clearing Type

l Routing Number

l Instrument Number

l Instrument Type

Branch Code

The system displays the branch code.

Instrument Number

Specify the instrument number for which float extension is done.

Reference Number

The system displays the unique reference number of the float extension maintenance.

Routing Number

Select the Routing Number from the adjoining option list.

Account Number

Select the Account Number from the adjoining option list.

Float Extension

Specify the number of days by which the float days is extended for clearing the instrument. The system defaults the extension day as 1.

Clearing Type

Select the Clearing Type from the adjoining option list.

New Value Date

The system displays the value date calculated based on the float extension days.

Instrument Type

Select the Instrument Type from the drop-down list.

Value Date

The system displays the current customer value date of the transaction.

FLEXCUBE Reference

Reference Number of the transaction is displayed here.

Click ‘Populate’ to view the current customer value date and the new customer value date based on the float extension days and clearing house holiday maintenance.

You can Save, Query, Authorize and Delete Float Extension of an Outward Clearing.

During Authorization, the float extension for the given instrument triggers:

l The value date of the transaction to the new value date.

l Reversal of accounting entries for the transaction.

l Post accounting entries for the transaction with new value date.

l The available date of the fund to the new value date.

2.14.4 Float Extension Batch Process

CGBFLEXT batch can be configured as an intra day batch to trigger the float extension of the cheque transaction based on the float extension maintenance (CGDBFLEX). The batch process of float extension takes place as follows:

l The value date of the transaction is updated to the new value date.

l The reversal of the accounting entries is passed for the transaction.

l Accounting entries are posted with new value date.

l If the transaction date is maintained as the date of the day and the status is UNPROCESSED, it will be executed by the batch excluding the previous days maintenance.

l The batch updates all the outstanding outward clearing transactions.

l If multiple maintenances are maintained, then the batch executes them in order. This is extracted by the maker time stamp.

For Example:

Extend 2 days for all bank & branch in sector 600

Extend 3 days for SBI bank, 000 branch in 600 sector.

In the above scenario, based on the first maintenance system will extend all transactions sent to all bank, branches in 600 by 2 days. Then all transactions sent to 000 branch of SBI in 600 sector will be extended by 3 days. Thus, the transactions sent to 000 branch of SBI in 600 sector will get extended by 5 days. Hence you need to take necessary caution on maintaining the bulk float extension.

The following example briefs about the float extension of a cheque transaction.

2.15 Account Address Location Maintenance

In Oracle FLEXCUBE, you have a provision wherein you can maintain location codes. You do this through the ‘Account Address Location Maintenance’ screen. Invoke this screen by typing ‘STDACCLO in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Location

The relevant location code. This pertains to a particular area in a country. It cannot be more than 15 characters  

Description

A short description to the location code

Default

 If the location code is to be maintained as a default location code, the same could be specified here by checking against this option. Only one location can be marked as a default location.

The following points are noteworthy:

l Once you save the above maintenance, Oracle FLEXCUBE checks for duplicate location codes. To recall, existing location codes are maintained through the ‘Location Codes Maintenance’ screen. If a match is found, system throws up an error.

l This maintenance is applicable only for account level address maintenances and not for address maintenances done at the customer level

2.16 KYC Maintenance

This section contains the following topics:

l Section 2.16.1, "Maintaining KYC Type"

l Section 2.16.2, "Maintaining Customer KYC Details"

l Section 2.16.3, "Corporate Customer Tab"

l Section 2.16.4, "Corporate/Audit HO Details Tab"

l Section 2.16.5, "Financial Customer Button"

l Section 2.16.6, "Fields Button"

2.16.1 Maintaining KYC Type

Oracle FLEXCUBE maintains KYC details for all customers. For Individuals / Salaried employees, the KYC is fairly simple and straight forward. However, for Small and Medium Enterprises (SME) and corporate customers or Banks, the KYC for the company and its Directors should be done. The KYC for any share holder having the percentage of stock equal to or more than the defined percentage should be done. These share holders may not be the banks customers. The System maintains KYC for NON-CIF customers also.

Oracle FLEXCUBE tracks all the sources of funds/income of any person/company/banks undergoing KYC. The system also tracks approximate number of transactions they are expected to perform in their accounts.

You can specify the details of KYC type in the ‘KYC Type Maintenance’ screen. You can also invoke this screen by typing ‘STDKYCTP’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Here you can specify the following details:

KYC Type

Specify the type of KYC that should be maintained.

KYC Type Description

Specify the description that should be maintained for the specified KYC type.

Specifying KYC Value Details

You can specify the following KYC value details:

KYC Type Value

Specify the value of the KYC type.

KYC Type Value Description

Specify the description for the KYC type value.

The table below illustrates the KYC types and the possible values for each KYC types.

2.16.2 Maintaining Customer KYC Details

You can maintain the KYC details of the customer in the ‘KYC Details’ screen. You can invoke this screen by typing ‘STDKYCMN’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

Here you can specify the following details:

KYC Reference Number

The system displays the reference number. The KYC reference number will be generated and displayed while saving this screen.

Full Name of Customer

Specify the full name of the customer.

KYC Customer Type

Specify the type of KYC customer from the adjoining drop-down list. The list displays the following values:

l Retail Customer

l Corporate Customer

l Financial Customer

Risk Level

Select the risk level from the drop-down list. The list displays the following values:

l Level1

l Level2

l Level3

Retail Customer Tab

You can specify the KYC profile details for retail customer in the ‘KYC Retail Profile’ screen. Click ‘Retail Customer’ tab to invoke this screen.

You can capture the following details on this screen:

Beneficial Owner Information

You can specify the following details pertaining to the beneficial owner:

Resident

Check this box to indicate that the beneficial owner is a resident. If you do not check this option, the system will not consider the owner as a resident.

Politically Exposed Person

Check this box to indicate that the beneficial owner is a politically exposed person.  

PEP Remarks

Specify the remarks about the declaration of the beneficial owner as politically exposed person.

Local Address

Specify the local address of the beneficial owner.

Home Country Address

Specify the home country address of the beneficial owner.

Home Country

Specify the home country of the beneficial owner

Permanent US Resident Status

Check this box to indicate that the beneficial owner has a valid US residence status.

Visited US in last 3 years?

Check this box to indicate that the beneficial owner has visited US in the last three years.

Nationality

Specify the nationality of the beneficial owner.

Birth Place

Specify the place of birth of the beneficial owner.

Birth Country

Specify the birth country of the beneficial owner.

Birth Date

Specify the birth date of the beneficial owner.

Office ISD Code +

Specify the international dialling code for the office telephone number.

Office Tel Number

Specify the telephone number of the beneficial owner’s office.

Residence ISD Code +

Specify the international dialling code for the home telephone number.

Residence Tel No

Specify the residential telephone number of the beneficial owner.

Mobile ISD Code +

Specify the international dialling code for the mobile number.

Mobile Tel Number

Specify the mobile telephone number of the beneficial owner.

Fax ISD Code +

Specify the international dialling code for the fax number.

Fax

Specify the Fax number of the beneficial owner.

Purpose of Account Opening

Specify the purpose of opening the account.

Others

If you wish to provide any additional information about the beneficial owner, use this field.

Account Type

Specify the type of the account.

Power of Attorney

Check this box to indicate that the beneficial owner holds a power of attorney.

Passport Number

Specify the passport number of beneficial owner.

Passport Expiry Date

Specify the expiry date of the passport.

Visa Number

Specify the visa number of the beneficial owner.

Visa Expiry Date

Specify the expiry date of visa.

KYC Amounts Ccy

Specify the currency in which KYC amount is maintained.

Power of Attorney

Note 

If the FATCA is enabled at the bank and the check box 'Power of Attorney' is checked here, then it is mandatory to specify the Power of Attorney information.

Power of Attorney

Check this box to indicate that the customer account is to be operated by the power of attorney holder.

Holder Name

Specify the person who gave the power of attorney.

Nationality

Specify the nationality of the power of attorney holder.

Address

Specify the address of the power of attorney holder.

Country

Specify the country of the power of attorney holder.

Telephone ISD Code +

Specify the international dialling code for the telephone number.

Telephone Number

Specify the telephone number of the power of attorney holder.

Beneficially Owned Company Details

You can specify the details of the beneficially owned company in the following fields:

Company Name

Specify the name of the company.

Location

Specify the location of the company.

% Holding

Specify the percentage of holding.

Annual Income

Specify the annual income of the company.

Line of Business

Specify the line of business of the company.

Source of Income

You can specify various sources of income in the following fields:

Salary

Check this box to indicate that salary is a source of income.

Rental

Check this box to indicate that rent is a source of income.

Investment

Check this box to indicate that investment is a source of income.

Business concern

Check this box to indicate that the business concern is a source of income.

Professional Business

Check this box to indicate that the professional business is a source of income.

2.16.3 Corporate Customer Tab

You can specify the KYC profile details for corporate customer in the ‘KYC Corporate Profile’ screen. You can invoke this screen by clicking ‘Corporate Customer’ tab in the ‘KYC Maintenance’ screen.

Here you can specify the following details:

Customer and Sponsors Information

You can specify the information of customers and sponsors in the following fields:

Groups Name

Specify the name of the group.

Parent Company’s Country of Inc

Specify the country of Parents Company. The adjoining option list displays all valid countries maintained in the system.

Type of Company

Specify the type of the company. The adjoining option list displays all valid company types maintained in the system. You can choose the appropriate one.

Others

If you wish to provide additional information on customer and sponsors, use this field.

KYC Amounts Ccy

Specify the currency in which KYC amount is maintained.

Reason of Account

You can specify the reasons for opening the account in the following fields:

Purpose of Account Opening

Specify the reason for opening an account. The adjoining option list maintains all valid reasons maintained in the system. You can choose the appropriate one.

Others

If you wish to provide additional information and reasons, use this field.

Nature of Business

You can specify the nature of business in the following fields:

Nature of Business

Specify the nature of business. The adjoining option list displays all valid businesses maintained in the system. You can choose the appropriate one.

Product Traded

Specify the name and details of the product traded during the course of the business.

Main Source of Funds

Specify the main source of funds.

Borrowing Account Group

Specify the borrowing account group.

Annual Turnover

Specify the annual turnover of the company.

Details of Key Person

You can specify the details of the key person in the following fields:

KYC ID

Specify a unique identification for the KYC details of the key person.

Name

Specify the name of the key person.

Position or Title

Specify the position or title of the key person.

Relationship

Specify the relationship between the key person and the corporate customer. The adjoining option list displays all valid relationships maintained in the system. You can choose the appropriate one.

Nationality

Specify the nationality of the key person. The adjoining option list displays all valid nationalities maintained in the system. You can choose the appropriate one.

Address

Specify the address of the key person.

Country

Specify the country of the key person

ISD Code

Specify the international dialling code for the telephone number.

Telephone Number

Specify the telephone number of the key person.

Tax Id Number

Specify the tax identification number of the key person.

Share Percentage

Specify the percentage of share for the key person.

Company Details

You can specify the details of the company in the following fields:

Details of Company Branches

Specify the details of the company branches.

Number of Person Employed

Specify the number of person employed in the company.

Mode for Salary

Specify the mode of salary payment in the company. The adjoining option list displays all valid modes maintained in the system. You can choose the appropriate one.

Others

If you wish to provide additional information on the company, use this field.

Details of Suppliers

You can specify the details of suppliers in the following fields:

Supplier Name

Specify the name of the supplier.

Country

Specify the country to which the supplier belongs.

Settlement Mode

Specify the mode of settlement. The adjoining option list displays all valid modes maintained in the system. You can choose the appropriate one.

Details of Clients

You can specify the client’s details in the following fields:

Client Name

Specify the name of the client.

Country

Specify the name of the country of the client.

Payment Mode

Specify the mode of payment. The adjoining option list displays all valid modes maintained in the system. You can choose the appropriate one.

Transaction Types

You can specify the details of the transaction types in the following fields:

Transaction Type

Specify the type of transaction.

Count

Specify the count of the transaction.

Total Amount

Specify the total amount of the transaction.

Max Single Amount

Specify the maximum single amount allowed for the transaction.

Purpose

Specify the purpose of the transaction,

Country

Specify the country in which the transaction takes place.

Fund Transfer Purpose within Country

Specify the purpose of funds transfer within the country.

Audit Date

Specify the audit date. Use the date button to choose a date from the calendar.

Account Solicited

Check this box to indicate that the account should be solicited.

Account Solicited Date

Specify the date on which the account should be solicited using adjoining calendar button.

Introducer Details

Specify the details of the introducer.

Compliance Clearance

Specify the date of compliance clearance using adjoining calendar.

Business Approval

Specify the date of business approval using adjoining calendar.

Trade Licence No

Specify the trade licence number. The adjoining option list displays all valid licence numbers maintained in the system. You can choose the appropriate one.

KYC Next Review Date

Specify the next date of KYC review.

Comments

KYC

Specify the comments on the KYC details of the corporate customer.

Sales and Service Officer

Specify the comments of sales and service officer on the corporate customer.

Approvers

Specify the name and comments of the approvers of the corporate customers.

2.16.4 Corporate/Audit HO Details Tab

Click ‘Corporate or Audit HO Details’ tab in the ‘KYC Corporate Profile’ screen.

Here you can specify the following details:

CIS Number

Specify the CID number of the corporate customer.

Name

Specify the name of the corporate customer.

STR Raised

Check this box to indicate that the STR should be raised.

STR Date

Specify the date of STR using adjoining calendar button.

STR Reference Number

Specify the reference number of the STR.

CB Response

Check this box to indicate that the CB should be responded.

CB Response Date

Specify the date of CB Response using the adjoining calendar button.

Activity

Specify the details of the activity.

Activity Reason

Specify the reason for the activity.

Dairy Note

Specify the dairy note.

2.16.5 Financial Customer Button

You can specify the KYC details of financial customers using the ‘KYC Financial Profile’ screen. You can invoke this screen by clicking ‘Financial Customer’ button in the ‘KYC Maintenance’ screen.

The screen is as shown below:

Here you can specify the following details:

Bank Address

Specify the address of the bank.

Country

Specify the country of the financial customer.

KYC Amounts CCY

Specify the currency of the KYC amounts.

Specifying Transaction Products

Specify the following details:

Transaction Products

Specify the name of the transaction product.

Rating

Specify the rating of the product.

Monthly No of Transactions

Specify the number of monthly transactions.

Monthly Amount

Specify the monthly amount.

Specifying Management Details

Specify the following details:

Name

Specify the name of the manager.

Designation

Specify the designation of the manager.

Specifying Share Holders Details

Specify the following details:

Name

Specify the name of the share holder.

Holding

Specify the holdings of the share holder.

Address

Specify the address of the share holder.

City

Specify the city of the share holder.

Country

Specify the country of the share holder.

2.16.6 Fields Button

You can create user defined fields using the ‘User Defined Fields’ screen. To invoke this screen, click ‘Fields’ tab in the ‘KYC Maintenance’ screen.

Here you can specify the following details:

Field Name

Specify the name of the field.

Value

Specify the value of the field.

2.17 Alphabet Equivalent Maintenance

This section contains the following topics:

l Section 2.17.1, "Maintaining Alphabet Equivalents"

l Section 2.17.2, "Viewing Alphabet Equivalent Summary"

2.17.1 Maintaining Alphabet Equivalents

You can maintain alternative letters for a given alphabet or a combination of alphabets using ‘Alphabet Equivalent Mapping Maintenance’ screen. During a customer name search, the system will search for the equivalent or matching names based on this maintenance.

To invoke this screen, type ‘STDALPMT’ in the field at the top right corner of the Application Toolbar and click the adjoining arrow button.

Specify the following details:

Alphabet

Specify the alphabet or a combination of alphabets for which you wish to maintain an equivalent alphabet or combination. You can have a combination that is a maximum of three characters long.

Alphabet Equivalent

Specify the equivalent alphabet or combination for the selected alphabet. You can have a combination that is a maximum of 3 characters long.

For example, if you select the alphabet ‘U’ and maintain ‘OE’ as its equivalent, then, during a customer query, the system will search for all names that match the given name and its equivalent spelling alternatives. In the above case, if the name contains the alphabet ‘U’, the system will replace it with ‘OE’ and display the results that match both instances. Similarly, if the given name contains the string ‘OE’, the system will replace it with ‘U’ and display the results for both the instances.

The system will search for the alphabet equivalents during a customer name query from of the following screens:

l STSACSTA - Customer Accounts Summary

l STSKYCMN – Customer KYC Summary

l STSCUSSH – Customer Search

l STSCIF – Customer Information Summary

l Customer – Branch Screen

Example

Suppose that you have maintained the following equivalent.

Alphabet – U

Alphabet Equivalent - OE

Further, when you perform a search for the name ‘Sukarni’, the system will display the results for the following names:

Sukarni

Soekarni

SUKARNI

SOEKARNI

2.17.2 Viewing Alphabet Equivalent Summary

You can view a summary of alphabet equivalents maintained in the system using ‘Alphabet Equivalent Summary’ screen. To invoke the screen, type ‘STSALPMT’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

In the above screen, you can base your queries on any or all of the following parameters and fetch records:

l Authorization Status

l Record Status

l Alphabet Equivalent

l Alphabet

Select any or all of the above parameters for a query and click ‘Search’ button. The records meeting the selected criteria are displayed.

System displays the following details pertaining to the fetched records:

l Authorization Status

l Record Status

l Alphabet Equivalent

l Alphabet

2.18 Creating a Message Advice Format

You need to create a message advice format through the ‘Advice Format Maintenance’ screen with the format named ‘CUS_MIMJADV’. A batch function ‘CASABAT’ will perform status change from Minor to Major during EOD.

During EOD, batch (CASABAT) which would check for the current age of each minor customer, if the customer’s current age is on or above the minor age limit maintained at branch parameters then you to do the following mentioned settings:

l The option ‘Minor’ at customer personal details will be unchecked in customer maintenance screen.

l The select ‘Submit Age Proof’ as ‘Pending’ in customer maintenance screen.

Note

– In case of holiday the Minor to Major conversion would be done after the holiday.

– The Debit would be still allowed for the system initiated transactions (During EOD/BOD) even though the documents have not been submitted.

Customer Advice Generation:

During EOD, batch (CASABAT) will generate the advice for the customers who are going to attain the Major status based on the number of days mentioned at Branch Parameters level for advice generation.

The customer will receive an advice in the following sample format:

#RH

         < Customer Minor Major Advice>

                     -----------------------------------

Date                             : _BRANCHDATE_      

Bank Name                  : _BANK-NAME_

Branch Address           : _BRANCH-ADDR_

Customer Name           : _CUST-NAME1_

Customer ID                 : _CUSTOMER_

You are attaining the Major status on _DATE_ .Hence please submit the necessary documents on or before _DATE_.

#EH

#B

#SC

AUTHORIZED SIGNATORY.

#EC

#EB

2.19 Customer Closure Data from Channels

This screen displays the data store provided by the external channels. You can invoke the screen by typing ‘STSCUSCL’ in the field at the top right corner of the application toolbar and click the adjoining arrow button.

 

Specify the following details in this screen:

Authorization Status

Select the authorization status from the drop down list. The options available in the drop down list are as follows:

l Authorized

l Unauthorized

l Rejected

Record Status

Select the record status from the drop down list. The options available are as follows:

l Open

l Closed

Entity Type

Select the type of entity for which the record is created from the drop down list. The entity types can be Customer. Account as so on.

Entity ID

Select a valid entity ID of the entity type selected, from the adjoining option list. For example: if the entity type is selected is Customer, then valid customer ids will be listed in this field

Source Code

Select the source code from which the data has been created. The source code can be FCIS, FCPB, and so on. The source code maintained in the ‘External System Maintenance (GWDEXSYS)’ screen, is displayed here.

Closure Allowed

Select ‘Yes’ or ‘No’ from the drop down list to indicate whether closure of the entity ID is allowed or not.

On specifying details in these fields, the following columns are populated in this screen:

l Entity Type

l Entity ID

l Source Code

l Closure Allowed

l Processing Date

The Entity Type, Entity ID, Source Code, Closure Allowed, and Processing Date values are received from external channels through the FCUBSCustomerservice messaging service.

For more information on this service, refer to the chapter ‘Annexure- List of Messages’ in the Gateway Services Module.

 Multiple web service requests are made by these external channel to the FCUBS system. At EOD, the external system sent a reconciliation file with the list of records created during that particular day using web service. The FCUBS system validates these records and if any record is missing, then the system will create a new record.

Note

 If a record is created for an entity id by a source code and there is a modification to the same record from the same source code, then the existing record is overwritten with the new modified data.

If the ‘Investment Customer’ flag is checked in the ‘Customer Maintenance (STDCIF)’ screen, then the following validations are performed by the system on closure of an entity ID:

l If no record is available for that particular entity ID in the STSCUSCL screen, then the system displays an error message which states ‘Customer Can be Closed Only When Closure Allowed Flag is received as Yes’.

l If a record for that particular entity ID is available in the STSCUSCL screen, however if the ‘Closure Allowed’ field in this screen is updated as ‘No’, then an error message is displayed which states ‘Customer Cannot be Closed When Closure Allowed Flag is No’.

Therefore, records will be closed only if a record is available for the particular entity ID in the STSCUSCL screen and the ‘Closure Allowed’ field is updated as ‘Yes’.

2.20 Searching for Customers

You can search the details of individual or corporate CRM customer or prospect customer in the ‘Customer Party Summer’ screen. To invoke this screen, type ‘STSCUSSH’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You can search for records based on any one or all of the following criteria:

l Customer No

l First Name

l Last Name

l Customer Type

l Telephone

l Email

l Corporate Name

l Country

l SSN

l Fax

l Customer Category

l Short Name

l Unique Name

l Unique Value

Note

– Using this screen, you can search the details of individual/corporate CRM customers or prospects only.

– It is mandatory to specify the Customer Type as a search criteria.

Click ‘Search’ button. The system identifies all records satisfying the specified criteria and displays the following details for each one of them:

l Customer No

l First Name

l Last Name

l Address Line 1

l Address Line 2

l Address Line 3

l Telephone

l SSN

l Fax

l Customer Category

l Short Name

l Unique Name

l Unique Value

2.21 Pin Code Maintenance

This section contains the following topics:

l Section 2.21.1, "Viewing Pin Code Details"

2.21.1 Viewing Pin Code Details

You can invoke the ‘Pin Code Maintenance’ screen by typing ‘STDPINCD’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You need to specify the following basic details of the customer:

Pincode

Specify the pincode.

City

Specify the city in which the customer resides.

State

Specify the state in which the customer resides.

Country

Specify the country in which the customer resides

Entity ID

You can assign a unique identification code to each customer group that you create. You can

also enter the detailed name of the group. In the subsequent fields you can set up credit limits

for the group.

While setting up a customer, you can indicate the group to which the customer is associated.

Customers are created and its unique id name and value are captured in customer creation

screen (STDCIF)

The unique id names could be National Id UT, Passport, Ration Card which ever the bank

chooses to use as the unique identifier type. The customers unique id value for the chosen

unique id name is captured and saved.

The customer summary screen STSCIF will be enhanced to include unique id name value as

a field for the customer search.

2.22 Inactive Customer Status Change

This section contains the following topic:

l Section 2.22.1, "Invoking Inactive Customer Status screen"

2.22.1 Invoking Inactive Customer Status screen

You can invoke the ‘Inactive Customer Status Change’ screen by typing ‘STDCUSTC’ in the field at the top right corner of the Application tool bar and clicking the adjoining arrow button.

You need to query the customer, then unlock and activate the customer. You can query the  details by specifying the custmer no.

Customer No

Select the customer no. from the list.The option list displays all the customer nos maintained in the system. Choose the appropriate one.

Customer Name

The system displays the customer name based on the customer no. you select.

Branch

The system displays the branch details based on the customer no. you select.

Reason

You should specify the reason for activating the inactive customer.The system will allow only activating the inactive customers, active customers cannot be changed to Inactive.

Inactive

Uncheck the inactive box to activate the customer to active status.