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 Certificate of Deposit Application Entry stage, update the customer details in the Applicants data segment based on the respective customer type.

    The Applicants - Individual screen displays.

    Figure 2-2 Applicants - Individual


    Description of Figure 2-2 follows
    Description of "Figure 2-2 Applicants - 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.

    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.
    Gender Specify the gender of the applicant from the drop-down list.
    Date of Birth Select the date of birth of the applicant.
    Emancipated Minor Select whether the customer is an emancipated minor.
    The available options are:
    • Yes
    • No

    This field will be displayed only after the applicant is identified as a minor. It can be accessed if the user returns to edit the applicant's details.
    Citizenship Status

    Select the citizenship status of the applicant from the drop-down list. Available options are:

    • Non-Resident Alien
    • Citizen
    Country of Residence Search and select the country code of which the applicant is a resident.
    Birth Place Specify the birth place where the applicant has born.
    Nationality Search and select the country code where the applicant has nationality.
    Marital Status

    Select the marital status of the customer from the drop-down list. Available options are:

    • Married
    • Unmarried
    • Legally Separated
    • Widow
    • Registered Domestic Partnerships
    Customer Segment

    Select the segment of the customer. Available options are:

    • Emerging Affluent
    • High Net worth Individuals
    • Mass Affluent
    • Ultra HNI
    • Very HNI
    Customer Category Select the category of the customer.
    Staff Select to indicate if the customer is employee of the bank.
    The available options are:
    • Yes
    • No
    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 Delete 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 Toggle ON 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 Toggle ON to display the fields for capturing the unstructured address.
    • Switch Toggle OFF 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.

    Zip +4 Specify the zip extension code of the address.
    Structured Address
    • Switch Toggle ON to display the fields for capturing the structured address.
    • Switch Toggle OFF 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 Delete 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 save to save the contact details.
    • Click edit to edit the added contact details.
    • Click Delete 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 Delete to delete the added ID details.

    Tax Status In this section user can update the tax declaration details.
    TIN Type Select the type of tax identification number.
    The available options are:
    • Social Security Number
    • Employer Identification Number
    • Adoption Tax Identification Number
    • Individual Tax Identification Number
    TIN Status Select the status of tax identification number from the drop-down list.
    The available options are:
    • Certified
    • TIN Applied For
    • Missing TIN
    • Incorrect TIN
    • TIN Captured But Not Certified

    Note: If the Citizenship Status is selected as Resident Alien or Citizen, the drop-down will appear.

    .The available options are:
    • Certified
    • Certified - Due for Recertification
    • Uncertified - No W8-BEN Received
    • Uncertified - Recertification Past Due

    Note: If the Citizenship Status is selected as Non Resident Alien, the drop-down will appear.

    Tax Identification Number Specify the tax identification number.

    Note: Specify the TIN as per the TIN type format.

    Foreign Tax Identification Number Specify the foreign tax identification number.

    Note: This field is optional.

    Form Type Specify the form type for tax declaration.

    If the Non Resident Alien option is selected from the Citizenship Status drop-down list then the Form Type is defaulted to W8-BEN and disable.

    If the Citizen or Resident Alien option is selected from the Citizenship Status drop-down list then the Form Type is defaulted to W9 and disable.

    Valid From Specify the date from which the form is valid.
    Valid End Displays the date till which the form is valid.

    This field appears when the Form Type is W8-BEN.

    Certification Date Specify the tax certification date.

    This field is mandatory, when the TIN Status is Certified.

    Tax Country Code Displays the country code for tax.

    This field is mandatory, if Citizenship Status is Non-Resident Alien.

    This field is optional, if Citizenship Status is Resident Alien or Citizen.

    Tax Province Code Search the tax province code.

    Note: This field is optional.

    This field displays the respective states in the drop-down list, if the applicant selects the Tax Country Code.

    Backup Withholding Code Select the option from the drop-down list. The available options are:
    • Missing TIN (A Type)
    • Invalid Tin (B Type)
    • IRS Induced (C Type)
    • Customer Induced (D Type)
    • W-8 Expired

    Note: This field is mandatory when TIN Status is not certified.

    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 Delete 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
      • Tax Identification Number
      • 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 2-3 Advanced Search - Individual


      Description of Figure 2-3 follows
      Description of "Figure 2-3 Advanced Search - Individual"

      Figure 2-4 Advance Search - Small and Medium Business Products


      Description of Figure 2-4 follows
      Description of "Figure 2-4 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.

Parent topic: Applicants