2.1.1.1 For Individual Customer Type

The topic describes the process to capture or edit customer information of Individual type of customer.

To capture applicants details:

1. In the Saving Application Entry stage, update the customer details in the Applicants data segment based on the respective customer type.

   The Applicant - Individual screen displays.

   Figure 2-1 Applicant - Individual

   
   

   
   Description of "Figure 2-1 Applicant - Individual"

   
   
2. Specify the relevant details in data fields.
   For more information on the fields, refer to the field description table below:

   Note:

   The fields which are marked as Required are mandatory.

   Table 2-1 Applicant- Individual – Field Description

   Field	Description
   Applicant Role	Displays the applicant role. By default the Primary role appears in this field. Select the applicant role (Joint, Guardian, Custodian, Guarantor, etc) in case user add multiple applicant in single application.
   Add Applicant By	Select the mode from which the user need to add new applicant. The available options are: Upload ID - Using this option user can upload identification documents of the application to extract the details. Search Existing Customer - This option is used if the applicant is an existing customer of the bank. On selecting the existing customer, the details appears in the respective sections which are already stored. Enter Manually - This option is used if user wants to enter all the applicant details manually.
   Upload ID	Select the document which is used from extracting applicant details. The available options are: State Issued Drivers License Passport This field appears if the Upload ID option is selected.
   Country of Issue	Select the country in which the document is issued. This field appears if the Upload ID option is selected.
   Select and Drop here	Drag and drop the document file or click on Select or drop files here to browse and upload the document from the local system. PNG and JPEG file formats are supported. 10MB maximum file size is allowed. This field appears if the Upload ID option is selected.
   CIF Number	Search and select the CIF number. This field appears if the Search Existing Customer option is selected. The system identifies if the selected CIF number matches the Office of Foreign Assets Control (OFAC) list once it is entered. If response is positive then an error appears stating the selected CIF is of an Invalid Customer Status. The account opening process is not initiated with that customer.
   Advanced Search	Click this button to perform party search using advance parameters. For more information on advance search, refer to the Advanced Search section below. This field appears if the Search Existing Customer option is selected.
   Basic Details	In this section the user can manually capture the basic details of applicant. This section appears if the Enter Manually option is selected from the Add Applicant By drop down list.
   Salutation	Select the salutation of the applicant from the drop-down list.
   First Name	Specify the first name of the applicant.
   Middle Name	Specify the middle name of the applicant.
   Last Name	Specify the last name of the applicant.
   Suffix	Specify the suffix for the applicant. This options in this list appears based on the configured entity code in the Oracle Banking Party product.
   Name In Local Language	Specify the applicant's name in their local language.
   Gender	Specify the gender of the applicant from the drop-down list.
   Date of Birth	Select the date of birth of the applicant.
   National ID	Specify the national identification code of the applicant.
   Resident Status	Select the residential status of the applicant from the drop-down list. Available options are: Resident Alien Non-Resident Alien Citizen
   Country of Residence	Search and select the country code of which the applicant is a resident.
   Birth Country	Specify the birth country of the applicant.
   Birth Place	Specify the birth place where the applicant has born.
   Nationality	Search and select the country code where the applicant has nationality.
   Citizenship By	Search and select the country code for which applicant has citizenship.
   Marital Status	Select the marital status of the customer from the drop-down list. Available options are: Married Unmarried Legally Separated Widow This field appears mandatory based on the product configuration.
   Customer Segment	Select the segment of the customer. Available options are: Emerging Affluent High Net worth Individuals Mass Affluent Ultra HNI
   Customer Category	Select the category of the customer.
   Preferred Language	Select the preferred language.
   Preferred Currency	Select the preferred currency.
   Details Of Special Need	Select the special need details. Available options are: Blindness Cerebral Palsy Low vision Locomotor disability Leprosy-cured Mental retardation Mental illness Hearing Impairment
   Remarks For Special Need	Specify the remarks for the special need selected.
   Relationship Manager ID	Search and select the Relationship Manager ID for the applicant.
   Staff	Select to indicate if the customer is employee of the bank. The available options are: Yes No
   Profession	Select the profession of the customer.
   Politically Exposed Person	Select whether the customer is a politically exposed person. The available options are: Yes No
   Enable Online Banking	Select whether the customer requires online banking. The available options are: Yes No This field displays only to new customers.
   Profile Photo	Drag and drop the document file or click on Select or drop files here to browse and upload the document from the local system. PNG and JPEG file formats are supported. 10MB maximum file size is allowed.
   Signatures	In this section, user can add new signature and view the already added signature of the customer. Click the Add Signature button to select the file to upload signature. On submission, the signature will be handed off to Oracle Banking Party.
   Upload Signature	Drag and drop the signature file or click on Select or drop files here to browse and upload the signature from the local system. PNG and JPEG file formats are supported. 10MB maximum file size is allowed.
   Uploaded Signature	Displays the uploaded signature.
   Remarks	Specify the remarks related to the signature. Then perform one of the following actions: Click Save to save the uploaded file. Click Cancel to cancel the uploaded file.
   Signature ID	Displays the Signature ID for the added signature along with the image and remark.
   Action	Click Edit to edit the added signatures Click to delete the added signatures.
   Address	This section displays the added address of the applicant. It is mandatory to add communication address of the applicant. Click Add Address to add address details.
   Address Type	Select the address type for the applicant from the drop-down list. The options in this drop down appears based on the Common Core maintenance.
   Effective Date	Select the date when the applicant start residing at the specified address.
   Make this as preferred address	Switch to prefer the entered address for communication.
   Search Address	Specify the address to search for the already captured address. Based on the configuration, on entering a few letters, the system fetches the related address that is already captured. Based on the selection, the fields are fetched in the address section.
   Unstructured Address	Switch to display the fields for capturing the unstructured address. Switch to hide the unstructured address fields.
   Address Line 1/Building Name	Specify the building name. Note: The maximum length is 105 characters.
   Address Line 2/Street Name	Specify the street name. Note: The maximum length is 105 characters.
   Address Line 3/City/ Town Name	Specify the city or town name. Note: The maximum length is 105 characters.
   Address Line 4/Landmark	Specify the landmark. Note: The maximum length is 105 characters.
   Country	Select the country from the drop-down list.
   State/Country Sub Division	Select the state from the drop-down list. This field appears based on the selected country code.
   Zip Code/Pin Code	Specify the zip or post code of the address. Note: The maximum length is 16 characters and allows alphanumeric characters, including spaces.
   Structured Address	Switch to display the fields for capturing the structured address. Switch to hide the structured address fields.
   Department	Specify the name of department. Note: The maximum length is 70 characters.
   Sub Department	Specify the name of sub department. Note: The maximum length is 70 characters.
   Street Name	Specify the street name. Note: The maximum length is 70 characters.
   Building Number	Specify the building number. Note: The maximum length is 16 characters.
   Building Name	Specify the name of the building. Note: The maximum length is 35 characters.
   Floor	Specify the floor number. Note: The maximum length is 70 characters.
   Post Box	Specify the post box number. Note: The maximum length is 16 characters.
   Room	Specify the room number. Note: The maximum length is 70 characters.
   Zip Code/Post Code	Specify the zip or post code of the address. Note: The maximum length is 16 characters and allows alphanumeric characters, including spaces.
   Town Name	Specify the name of the city or town where the customer is located. Note: The maximum length is 35 characters.
   Town Location Name	Specify the name of sub-location or area within the city or town. Note: The maximum length is 35 characters.
   District Name	Select the district from the drop-down list.
   Country	Select the country from the drop-down list.
   Country Sub Division	Select the country sub-division from the drop-down list.
   Address Line 1	Specify the address in line 1. Note: The maximum length is 105 characters.
   Address Line 2	Specify the address in line 2. Note: The maximum length is 105 characters.
   Action	Perform the following actions on the Address screen: Click Save to save the applicant details. Click Cancel to cancel the applicant details.
   <Added record tile>	In this tile, user can view the added address details. Below details appears in the tile: <Current status> this flag appears only if Yes option is selected. <Preferred ID status> this flag appears only if Yes option is selected. Address Type Address dates Address line 1,2,3 Country State Click the Edit to edit the added address details. Click the View to view the added address details. Click to delete the added address details.
   Contact Details	In this section, user can provide contact details.
   Add Contact	Click Add Contact to add contact details.
   Communication Mode	Select the communication mode from the drop-down list. The available options are: Mobile Phone Email
   Contact Sub Type	Select the contact type from the drop-down list. If the Mobile Phone is selected, the following options are shown in the drop-down: Residence Business Mobile Others If the Email is selected, the following options are shown in the drop-down: Personal Work
   Country	Select the country along with international subscriber dialing code of the mobile phone from the drop-down list. The drop-down list option consist of Country Code, Country Name and Subscriber Dialing Code. This field appears only if the Mobile Phone option is selected as communication mode.
   Mobile Number	Specify the mobile number. This field appears only if the Mobile Phone option is selected as communication mode.
   Email Id	Specify the email ID. This field appears only if the Email option is selected as communication mode.
   Preferred	Select the checkbox to indicate if the given record is the preferred one.
   Action	User can perform one of the following actions. Click to save the contact details. Click to edit the added contact details. Click to delete the contact details.
   Identification Details	User can add, view and edit the identification details in this section. Click the Add ID button to add Identification details.
   ID Type	Select the ID type from the drop-down list. The available options are: Bank Statement Military ID Birth Certificate SIN Permanent Resident Card Social Security Card Passport SSN Employment Authorization Card
   ID Status	Select the status of the selected ID type from the drop-down list. The available options are: Available Applied For
   Unique ID	Specify the unique identification code of the selected type. This field is mandatory, if ID Status is Available.
   Place Of Issue	Specify the place where the ID is issued to the user.
   Issue Date	Specify the date from which the ID is valid.
   Expiry Date	Specify the date till which the ID is valid.
   Remark	Specify the remark.
   Preferred	Select to indicate whether added ID details are preferred among all others. The available options are: Yes No In case of multiple ID details, it is mandatory to mark any one of the ID details as Preferred. Click the Save button to save the entered ID details.
   <Added record tile>	In this tile, user can view the added ID details. Below details appears in the tile: ID Status <Preferred ID status> this flag appears only if Yes option is selected. ID Type Unique ID Click Edit to edit the added ID details. Click View to view the added ID details. Click to delete the added ID details.
   Employment Details	In this section user can capture the employment details of the applicant.
   Employment Type	Select the employment type. The available options are: Salaried Self Employed
   Salaried	Below field appears if the Salaried option is selected from the Employment Type list. In this section user can capture salaried employment details. The below fields appears if salaried employment details are already captured. Employer Code - Name Employer Address Employer Description Employee Type Industry Type Organization Category Demographics Current Employer Working Since Working Till Employee ID Designation Level or Grade User can edit, view, or delete already added details.
   Employer Code - Name	Specify the employer code or name or select it from the drop-down list.
   Employer Address	Specify the employer address. Note: The maximum length is 255 characters.
   Employer Description	Specify the employer description. Note: The maximum length is 255 characters.
   Employee Type	Select the employee type from the drop-down list. The available options are: Full Time Part Time Contract Permanent Note: This field is optional.
   Industry Type	Select the industry type from the drop-down list. The available options are: IT Bank Services Manufacturing Legal Medical Engineering School/College Others
   Organization Category	Select the organization type from the drop-down list. The available options are: Government NGO Private Limited
   Demographics	Select the demographics from the drop-down list. The available options are: Global Domestic
   Current Employer	Select whether the applicant currently working in this company. The available options are: Yes No
   Working Since	Select the employment start date.
   Working Till	Select the employment last date.
   Employee ID	Specify the employee ID.
   Grade	Specify the grade.
   Designation	Specify the designation.
   Self Employed	Below field appears if the Self Employed option is selected from the Employment Type list. In this section user can capture self-employment or professional details of customer. Below fields appears if self-employment or professional details are already captured. Professional Name Professional Description Professional Email ID Company /Firm Name Registration Number of Company Start Date End Date User can edit, view or delete already added details.
   Professional Name	Select the professional name from the drop-down list. Based on the configuration, the options are shown in the drop-down list.
   Professional Description	Specify the professional description.
   Professional Email ID	Specify the professional email ID.
   Company /Firm Name	Specify the company or firm name.
   Registration Number of Company	Specify the registration number.
   Start Date	Specify or select the start date of company.
   End Date	Specify or select the end date of company.
   <Added record tile>	In this tile user can view the added employment details. Below details appears in the tile: Employment Type <Current Employer> this flag appears only if Yes option is selected. Employer Name Working Dates Click Edit to edit the added ID details. Click View to view the added ID details. Click to delete the added ID details.

   Advanced Search

   User can perform an advanced search for the party by providing additional information. User can perform search on below party types:

   • For Individual
     • First Name
     • Middle Name
     • Last Name
     • Date of Birth
     • Preferred Unique ID
     • Mobile Number
     • Email
   • For Non- Individual
     • Party ID
     • Business or Organization Name
     • Registration Number
     • Registration Date
     • Email
     • Customer Category

   To search for a party using the advanced search:

   1. Click the Advanced Search on the Applicants screen.

      The Search Party window displays.

      Figure 2-2 Advanced Search - Individual

      
      

      
      Description of "Figure 2-2 Advanced Search - Individual"

      
      

      Figure 2-3 Advance Search - Small and Medium Business Products

      
      

      
      Description of "Figure 2-3 Advance Search - Small and Medium Business Products"

      
      
   2. On the Search Party screen, perform one of the following actions:
      • Click Fetch to search all the parties.

        All the parties in the system appears in the table.

      • Enter the specific search criteria in the respective field and click Fetch.

        The search result appears based on the search criteria.

3. Click Save. The applicant details tile appears with the captured data.
   The tile comprises of below fields:

   • <Applicant Role>
   • <KYC Status>
   • <Applicant Photo>
   • <First Name, Middle Name, Last Name>
   • <Title>
   • CIF Number
   • Date of Birth
   • Initiate: This button appears if the Early KYC is selected while configuring the product in the Business Product Configuration screen.
4. Click Initiate to initiate the Know Your Customer (KYC) process of the added applicant. It is mandatory to complete the KYC process successfully to proceed.

To upload document for fetching customer information:

5. Click Upload ID to fetch the customer information from the uploaded documents.
   The Applicants - Upload ID screen displays.

   Figure 2-4 Application Entry - Upload ID

   
   

   
   Description of "Figure 2-4 Application Entry - Upload ID"

   
   
6. Specify the relevant details. For more information on fields, refer to the field description table below.

   Table 2-2 Applicants - Upload Document – Field Description

   Field	Description
   Document Name	Select the document name from the drop-down list. The available options are: Driving License Passport
   Country of Issue	This field is defaulted for the document name is selected. Note: This field is editable.
   Upload Document	Click on Select a file or drop one here to browse and upload the document from the local system. Note: PNG and JPEG file formats are supported.

7. On uploading the document, the details are fetched and appears in the Upload ID Document screen.
   The Upload ID Document screen displays.

   Figure 2-5 Upload ID Document

   
   

   
   Description of "Figure 2-5 Upload ID Document"

   
   
8. On the Upload ID Document screen, the fields are pre-populated with extracted data.
   For more information on fields, refer to the field description table below.

   Table 2-3 Verify Information – Field Description

   Field	Description
   Document Image	Displays the uploaded document image.
   First Name	The information in this field is automatically populated with the extracted data. User can modify the first name of the applicant if required.
   Middle Name	The information in this field is automatically populated with the extracted data. User can modify the middle name of the applicant if required.
   Last Name	The information in this field is automatically populated with the extracted data. User can modify the last name of the applicant if required.
   Date of Birth	The information in this field is automatically populated with the extracted data. User can modify the date of birth of the applicant if required.
   Gender	The information in this field is automatically populated with the extracted data. User can modify the gender of the applicant if required.
   Unique ID Type	Displays the unique ID type of the applicant based on the document uploaded.
   Unique ID Number	The information in this field is automatically populated with the extracted data. User can modify the Unique ID number of the applicant if required.
   ID Status	The information in this field is automatically populated with the extracted data. User can modify the ID status of the applicant if required.
   Preferred ID	The information in this field is automatically populated with the extracted data. User can modify the preferred ID by clicking Yes or No.
   Issue Date	The information in this field is automatically populated with the extracted data. User can modify the issue date of the driving license, if required. This field appears only if the Document Name is selected as Driving License.
   Unique Id Expiry Date	The information in this field is automatically populated with the extracted data. User can modify the unique ID expiry date of the applicant if required.
   Place Of Issue	The information in this field is automatically populated with the extracted data. User can modify the place of issue of the applicant if required.
   Address Type	The information in this field is automatically populated with the extracted data. User can modify the address type from the drop-down list if required. When the user uploads a document, the system retrieves the address type from Common Core maintenance. By default, the address type is set to Communication Address, and the address details are displayed in an unstructured format.
   Effective Date	The information in this field is automatically populated with the extracted data. User can modify the date when the applicant start residing at the specified address.
   End Date	The information in this field is automatically populated with the extracted data. User can modify the date when the applicant last lived at the specified address.
   Make this as preferred address	The information in this field is automatically populated with the extracted data. User can modify the address preference by switch for communication.
   Search Address	Specify the address to search for the already captured address if required. Based on the configuration, on entering a few letters, the system fetches the related address that is already captured. Based on the selection, the fields are fetched in the address section.
   Unstructured Address	The information in this field is automatically populated with the extracted data. System displays the address in unstructured format by default. Switch to display the fields for capturing the unstructured address. Switch to hide the unstructured address fields.
   Address Line 1	The information in this field is automatically populated with the extracted data. User can modify the building name if required.
   Address Line 2	The information in this field is automatically populated with the extracted data. User can modify the street name if required.
   Address Line 3	The information in this field is automatically populated with the extracted data. User can modify the city or town name if required.
   Address Line 4/Landmark	The information in this field is automatically populated with the extracted data. User can modify the landmark if required.
   Country	The information in this field is automatically populated with the extracted data. User can modify the country from the drop-down list if required.
   State/Country Sub Division	The information in this field is automatically populated with the extracted data. User can modify the state or country sub-division from the drop-down list if required.
   Zip Code/ Pin Code	The information in this field is automatically populated with the extracted data. User can modify the zip or post code of the address if required. Note: The maximum length is 16 characters and allows alphanumeric characters, including spaces.
   Structured Address	User can add the structured address if required. Switch to display the fields for capturing the structured address. Switch to hide the structured address fields.
   Department	Specify the name of department.
   Sub Department	Specify the name of sub department.
   Street Name	Specify the street name.
   Building Number	Specify the building number.
   Building Name	Specify the name of the building.
   Floor	Specify the floor number.
   Post Box	Specify the post box number.
   Room	Specify the room number.
   Zip Code / Post Code	Specify the zip or post code of the address. It allows the alphanumeric characters including space.
   Town Name	Specify the name of the city or town where the customer is located.
   Town Location Name	Specify the name of sub-location or area within the city or town.
   District Name	Select the district from the drop-down list.
   Country	Select the country from the drop-down list.
   Country Sub Division	Select the country sub-division from the drop-down list.
   Address Line 1	Specify the address in line 1.
   Address Line 2	Specify the address in line 2.

9. Perform one of the following actions on the screen:
   • Click Save to save pre-populated the data and return to the Applicants screen.
   • Click OK to override the data fields with the extracted data.
   • Click Cancel to cancel the override action and return to the Applicants screen.
10. Click Next to navigate to the next data segment, after successfully capturing the data. The system will validate all mandatory data segments and data fields. If mandatory details are not provided, the system displays an error message for the user to take action. User will not be able to proceed to the next data segment, without capturing the mandatory data.