Model Bank

US Model Bank
Pre-Sales Demo User Guide

(R23 AMR Release)

Information in this document is subject to

change without notice.
No part of this document may be reproduced
or transmitted in any form or by any means, for
any purpose, without the express written
permission of TEMENOS HEADQUARTERS
SA.
© 2022 Temenos Headquarters SA -
all rights reserved.
Internal Demo Guide- US Model Bank (USMB)

Table of Contents

Document History............................................................................................................................................................................................3
Introduction....................................................................................................................................................................................................................... 4
General Guidelines ......................................................................................................................................................................................................... 4
Demo Data Walkthrough.................................................................................................................................................................................4
USMB Product Catalog .................................................................................................................................................................................................. 4
Consumer Account Products.................................................................................................................................................................................... 4
Business Account Products ...................................................................................................................................................................................... 5
Term Deposit Products.............................................................................................................................................................................................. 5
IRA Products ............................................................................................................................................................................................................... 5
Lending Products ....................................................................................................................................................................................................... 5
Illustrative Product catalog with additional products .................................................................................................................................................. 6
Term Deposit Products.............................................................................................................................................................................................. 6
Lending Products ....................................................................................................................................................................................................... 6
Cash Management/Virtual Accounts Products ...................................................................................................................................................... 7
External Products ....................................................................................................................................................................................................... 8
USMB Customers............................................................................................................................................................................................................ 8
Consumer Customers................................................................................................................................................................................................ 8
IRA Customers..........................................................................................................................................................................................................10
Small Business Customers .....................................................................................................................................................................................11
Corporate Customers ..............................................................................................................................................................................................12
CUSREP User Landing Page......................................................................................................................................................................................13
Single Customer and Account View ...........................................................................................................................................................................14
Deposits ..........................................................................................................................................................................................................................18
CDs.............................................................................................................................................................................................................................18
IRAs ............................................................................................................................................................................................................................26
Lending ...........................................................................................................................................................................................................................31
Consumer Line of Credit .........................................................................................................................................................................................31
Consumer Loan ........................................................................................................................................................................................................35
Auto Loan ..................................................................................................................................................................................................................39
Mortgage....................................................................................................................................................................................................................44
Commercial Loan .....................................................................................................................................................................................................48
Cash Management ........................................................................................................................................................................................................54
Virtual Account Management .................................................................................................................................................................................54
US Payments .................................................................................................................................................................................................................59
US Payments Configuration ...................................................................................................................................................................................59
Creating US Payments User ..................................................................................................................................................................................60
FedWire......................................................................................................................................................................................................................61
ACH ............................................................................................................................................................................................................................65
* ........................................................................................................................................................................................................................................66

2 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Document History

Author Version Date

Anitha Muralidharan Draft 01 Jan 2021

Corporate BSG 1.0 07 Apr 2021

Anitha Muralidharan 2.0 10 Mar 2022

Anitha Muralidharan 3.0 29 Mar 2023

Disclaimer:

This document the products and demo data that is delivered as part of the UTP US Model Bank for
demonstrations.

This document also highlights the demo data add for enhanced demo journeys. The data includes non
USMB products, customers, arrangements, and mock transactions for illustration purposes only.

This is a continuous enrichment initiative to augment the demo data.

3 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Introduction
Model Banks are reference environments that are released monthly to enable the BSG (Business Solutions
Group) to do presentations to clients on Transact Core – Functionalities. For the US Model Bank there is a
dedicated UTP-US1 Company available. US1 Company comes pre-configured with USMB (US Model Bank)
Products, Inquiries, and landing pages. Additionally, through BSG data scripts sample Customers, Accounts &
Transactional data are made available to give a well enriched demo system as a starting point to Client
Demos/POCs.
This document is intended to facilitate a basic understand of the sample “demo data” available and choose the
appropriate data set to structure the client demo scop as required.
Detailed user guides are released in Doc2.0 for each of the functionalities that are offered as part of the USMB
offering. Please go through the user guides to get deeper understanding of the functionality.

General Guidelines
While demonstrating the USMB, please login with the Sign-On Name & Password provided. This will sign into
US1 company directly and take you to the Customer Representative landing page.

Username Sign on Name Password

US Customer Representative CUSREP 123456

Demo Data Walkthrough

USMB Product Catalog
The listed Products have been pre- configured in the US1 Company. It is possible to create new child product
with variations in product conditions. Product condition has been supplied for all mandatory properties at the
parent product level. These are 17 Products that are released by US Model Bank as of today.

Consumer Account Products

AA Account Products Record @ID Product Type

Consumer Checking & Saving CONS.CHK.SAV Product Group

Consumer Checking & Saving - Parent CONS.CHK.SAV.PARENT Inheritance only product

Consumer Checking - Parent CONS.CHK.PARENT Inheritance only product

Consumer Saving - Parent CONS.SAV.PARENT Inheritance only product

(1) Consumer Checking CONS.CHECKING Saleable product

(2) Consumer Savings CONS.SAVING Saleable product

(3) Consumer Money Market CONS.MM Saleable product

(4) Basic Banking Account US.BASIC.BANKING.ACCT.MA Saleable product

(5) Basic Banking Account NY US.BASIC.BANKING.ACCT.NY Saleable product

(6) Basic Savings Account MA US.BASIC.SAVINGS.ACCT.MA Saleable product

(7) Conditional Checking CONDITIONAL.CHECKING Saleable product

4 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

(8) Foreign Currency Checking FOREIGN.CURR.CHECKING Saleable product

Business Account Products

AA Account Products Record @ID Product Type

Consumer Checking & Saving BSNSS.CHK.SAV Product Group

Business Checking & Saving - Parent BUSINESS.CHK.SAV.PARENT Inheritance only product

Business Checking - Parent BUSINESS.CHK.PARENT Inheritance only product

Business Saving - Parent BUSINESS.SAV.PARENT Inheritance only product

(9) Business Checking BUSINESS.CHECKING Saleable product

(10) Business Savings BUSINESS.SAVINGS Saleable product

Term Deposit Products

AA Deposit Products Record @ID Product Type

Term Deposits TERM.DEPOSIT Product Group

Term Deposit - Parent TERM.DEPOSITS. Inheritance only product

PARENT

(11) Term Deposit TERM.DEPOSIT Salable product

IRA Products
AA Deposit Products Record @ID Product Type

IRA Savings IRA.SAVINGS Product Group

IRA Savings Account- Parent IRA.SAV.PARENT Inheritance only product

(12) IRA Savings Account IRA.SAVINGS Salable product

IRA Term Deposit IRA.TERM.DEPOSITS Product Group

IRA Term Deposit- Parent IRA.TD.PARENT Inheritance only product

(13) IRA Term Deposit IRA.TRADITIONAL.TD Salable product

Lending Products
AA Deposit Products Record @ID Product Type

5 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Line of Credit US.CNS.LOAN Product Group

Parent – Unsecured LOC US.LOC.PARENT Inheritance only product

(14) Unsecured LOC US.LOC Salable product

Consumer Loan US.LOC Product Group

Parent - Unsecured Loan US.CNS.LOAN.PARENT Inheritance only product

(15) Consumer Loan US.CNS.LOAN Salable product

BNPL Loans US.BNPL.DRAWINGS Product Group

(16) BNPL – Instalment loan BNPL.INSTALLMENT Salable product

(17) BNPL – Micro loan USMB US.BNPL.DRAWINGS Salable product

Illustrative Product catalog with additional products

** In addition to the USMB products released, additional products with variations, products supported
in Core Model Bank( not released by USMB currently), etc. are configured for illustration purposes
only.

Term Deposit Products

AA Deposit Products Record @ID Product Type

(*1) 12 Month CD - Fixed Rate TERM.DEPOSIT.1YEAR Salable product

(*2) 6 Month CD - Fixed Rate TERM.DEPOSIT.6MONTH Salable product

(*3) 90 Days CD – Floating Rate TERM.DEPOSIT.90DAYS Salable product

(*4) Demand Deposit DEMAND.DEPOSIT Salable product

(*5) Multiple Term CD – Periodic Rate USBSG.CD.OPENTERM Salable product

(*6) Promotional CD PROMO.CD.1YEAR Salable product

(*7) Step Rate CD TERM.DEPOSIT.5YEAR Salable product

Lending Products
AA Deposit Products Record @ID Product Type

Line of Credit US.CNS.LOAN Product Group

(*8) Revolving LOC USBSG.LOC.REVOLVING Salable product

(*9) Non-Revolving LOC USBSG.NON.REVOLVING Salable product

6 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Consumer Loan US.LOC Product Group

(*10) Unsecured Term Loan USBSG.CNS.LOAN.UNSECURED Salable product

(*11) Secured Term Loan USBSG.CNS.LOAN.SECURED Salable products

(*) Parent - Vehicle Loan USBSG.VEHICLE.LN.PAR Inheritance only product

(*12) Auto Loan USBSG.AUTO.LOAN Salable products

(*13) Technical Loan USBSG.TECH.LOAN Memo-Enabled Product

(*) Mortgages & Home Equity USBSG.HOME Product Group

(*) Parent - Home Equity USBSG.HE.PARENT Inheritance only product

(*14) HELOC Fixed Rate USBSG.HE.FIXED Salable product

(*15) HELOC Variable Rate USBSG.HE.VAR Salable product

(*) Parent - Mortgage USBSG.MTG.PARENT Inheritance only product

(*16) ARM Mortgage USBSG.MTG.VAR Salable product

(*17) Condo Loan USBSG.CONDOLOAN Salable product

(*) Parent - Mortgage Escrow USBSG.MTG.ESCROW.PARENT Inheritance only product

(*18) Fixed Mortgage (Escrow) USBSG.MTG.FIXEDESCROW Salable product

(*) Commercial Loans (USBSG.COMMERCIAL.LOANS) Product Group

(*) Commercial Loan Parent USBSG.COM.LN.PARENT Inheritance only product

(*19) Secured Business LOC USBSG.SECURED.BUS.LOC Saleable product

(*20) Secured Business Term Loan USBSG.SECURED.BUS.TERM.LN Salable product

(*21) Unsecured Business LOC USBSG.BUSINESS.LOC Salable product

Cash Management/Virtual Accounts Products

AA Deposit Products Record @ID Product Type

(*) Corporate Accounts CORP.ACCOUNTS Product Group > Account

Product line

(*) Parent Conditions (Standard). CORP.PARENT.STD Inheritance only product

(*) Parent Conditions (Top Level) CORP.PARENT Inheritance only product

(*22) Default (for failed eligibility) CORP.DEFAULT Saleable product

(*23) Corp Account CORP.ACCOUNT Saleable product

7 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

(*) BN Parent Account BN.PARENT Inheritance only product

(*24) CT Account CT.ACCOUNT Saleable product

(*25) TR Account TR.ACCOUNT Saleable product

(*26) Mirror TR Account MIRROR.TR.ACCOUNT Saleable product

(*) Summary Accounts SUMMARY.ACCOUNTS Product Group> Account

Product Line

(*) SA Parent SA.PARENT Inheritance only product

(*27) CS Account CCY.SUM.ACCOUNT Salable products

(*28) SA Account SUMMARY.ACCOUNT Salable products

(*29) Default SA Account DEFAULT.SUMMARY Salable products

(*) Master Account MASTER.ACCOUNT Product Group> Bundle Product

Line

(*30) Master Account - Default DEF.MASTER.ACCOUNT Saleable product

(*31) Master Account MASTER.ACCOUNT Saleable product

External Products
(*) External Credit Card - Parent CREDIT.CARD.PARENT Inheritance only product

(*32) External Credit Card CREDIT.CARD Saleable product

(*33) External Accounts - Parent EXT.ACCOUNT.PARENT Inheritance only product

(*34) External Account EXTERNAL.ACCOUNT Salable product

USMB Customers
Below given are the customers created in US1 Company with few financial products and transactions. Based
on the scope of the demo BSG can pick any of the following sample customer and add further data to tailor for
their need.

Consumer Customers
Customer Name @ID Profile and Demo focus Products (Arrangements)

John Bailey 700001 Infinity based customer, has Online  Consumer Checking
Banking ID for Retail App. Typically used
in F2B demos.  Consumer Savings

8 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Jessica Fitzpatrick 700004 Exclusive Deposits - Active Duty  Consumer Checking

 Consumer Savings

Sara Johnson 700005 Fresh Customers to add products for  Consumer Checking
Demo
 Consumer Savings

Amy Pierce 700006 Fresh Customers to add products for  Consumer Checking
Demo
 Consumer Savings

Emma Garcia 70007 Lending Exclusive  Consumer Checking

Loans with Delinquencies with Loan
Charge offs and Write offs

James Parker 700011 Exclusive Lending - Active Duty  Consumer Checking

Heidi Sampson 700203 Heidi Sampson is a Fashion designer in  Consumer Checking

BTS Fashion House. Owner of
independent house. She is of “Bronze”  Consumer Savings
status for pricing benefits. Favorite
shopping spots includes Macy’s, Amazon. 
Loves Chick-fil-a. Uses Venmo for
payments.

John Smith 700204 John Smith is an EXCO in HGR  Consumer Checking

Corporation. He is of “Silver” status for
pricing benefits. PayPal user shops a lot  Consumer Savings
online in Amazon.

9 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

High Net worth Individual - Deposits +

Loans

Danny Brown 700241 Danny Brown is a Mechanic in Zuko  Consumer Checking

Antique Cars. Single family homeowner.
Favorite shopping spots includes Home  Consumer Savings
Depo, Macy’s, and Amazon. (Joint)

Identified for payment scenarios as well.

Sandy Williams 700240 Sandy Williams is a teacher in Edge Water  Consumer Checking
High School. Single family home owner.
He is of “Gold” status for pricing benefits.  Consumer Savings
Credit score 750. Holds a joint savings
account with Danny Brown her husband.  Consumer Savings
Favorite shopping spots includes Home (Joint)
Depo, Macy’s, and Amazon.

Scott Davis 700250 Scott Davis is a Football Coach in  Consumer Checking

University of Nebraska. Single family
homeowner. He is of “Platinum” status for  Consumer Savings
pricing benefits. Has a gym membership in
YMCA Nebraska council. Favorite
shopping spots includes Home Depo,
Macy’s, and Amazon. Loves Chick-fil-a.

High Net worth Individual - Deposits +

Loans

IRA Customers
Customer Name @ID Profile Products (Arrangements)
Brenna Anna
700300 Brenna runs her own business Murphy  Consumer Checking
Murphy
Computer Repairs. She is married to Ben
Roney and is the mother of Benjamin. Has  Consumer Savings
her IRAs – Traditional & ROTH and also is
an inheritance beneficiary for her parent’s
IRAs.

Ben Roney
700301 Ben Roney is self-employed and owns  Consumer Checking
Murphy Jr.
Murphy Appliance repair. Married to Brenna
and father of Benjamin. Has Traditional &  Consumer Savings
SEP IRA products.

10 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Benjamin
700302 Benjamin is a young university student  Consumer Checking
Murphy
doing his higher education. He is the son of
Brenna & Ben Roney and the beneficiary for  Consumer Savings
his grandparent’s IRAs.

James O 700303 James owned a Traditional IRA Savings &  Consumer Checking
Deposit. He is deceased and his
Summers  Consumer Savings
beneficiaries are to receive his death
distribution. He was married to Janet
Summers, father of Brenna and grandfather
of Benjamin.

Janet Bucky 700304 Janet is professor (online guidance) at the  Consumer Checking
New York University. She holds Traditional
Summers  Consumer Savings
IRA Products and receives RMD.

Small Business Customers

New York
700002 Open Customer for Use  Business Checking
Trading
Company  Business Savings

*JK Law Firms 700003 Exclusive Payments  Business Checking

LLP
 Business Savings

* WR Yoker 700009 Virtual Accounts  Business Checking

Broker Financials
 Business Savings

11 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Maverick, Inc. 700010 Sweeps  Business Checking (3)

 Business Savings

Midtown Cheers 700202 Open Customer for Use. Could be used in  Business Checking
future for F2B scenario. SM App.
 Business Savings

Corporate Customers
*HGR 700260 Reserved for Corporate Use cases  Business Checking
Corporation
Used for Payment Scenario - ACH  Business Savings

*HGR 700261 Reserved for Corporate Use cases  Business Checking

Construction Inc
 Business Savings

*HGR Trucking 700262 Reserved for Corporate Use cases  Business Checking
Inc.
 Business Savings

There are 3 dummy customers created as well, which can be used for testing of any products, moving
arrangements for cleanup etc.

Sandy Olson 700140

Danny Zuko 700141

Scott Frost 700150

There are 16 additional customers create as Tax offices, Insurance, etc. so they can be included as
beneficiaries, participants, Escrow, etc. well.

12 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

CUSREP User Landing Page

This segment covers the landing page and navigation of the Customer details.
Login using the CUSREP user credentials.

Below is the landing page, follow the numbered steps to navigate through the key areas.

13 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Search Customer Tab allows the user to search customer, create favorites, look up SSN, Address, TIN etc.

Single Customer and Account View

Below is the 360 view of customer John Bailey with sample transactional information to do a first level show
and tell during initial presentation. This segment highlights the US features specific features that are part of the
customer details.

14 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Basic Details

Tax Details Tab

15 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Address Tab

Compliance Tab

Financial Products – Account View

16 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Financial Summary View

17 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Deposits
CDs
This segment illustrates the steps to create and service Certificate of Deposits (CDs).
Scenario 1:
Scott Davis an existing customer of Temenos Bank would like to open a Term Deposit product with
the surplus in this Checking Account.
Search for the customer “Scott Davis” using the search option and open the customer 360 view. Scroll down
to select the option to “New Deposit” from his Single Customer View

Select to open the CD product called Multiple Term Time Account

Enter the currency, effective date and validate the information

Scroll down to see the different product features which can be viewed or amended. Select Account Officers

18 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Provide an account officer by typing in the code or selecting one from the dropdown

Next select the Commitment dropdown and provide a commitment amount. No term is required for this
product as it is multiple terms.

Next select the Renewal Conditions and enter the renewal period as 90D by selecting the calendar icon next
to the Renewal Period field

19 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select Settlement Instructions and set the Pay In instructions to fund the deposit

Scroll back to the top and commit the record to open the CD and accept any overrides

20 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Return to Scott’s Single Customer View and refresh to view the newly created CD

Select the arrow to the right of the product to view additional details. Select the three dots to launch the
Deposit Overview

Select Interest under the Account Details menu to view the interest accruals.

Scenario 2: Process an Early Withdrawal - Partial

From the Deposit Overview, select the Withdraw Deposit option

21 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

** Please note the AA.SIMULATION.SERVICE must be running

Enter a Withdrawal amount and validate the record

Commit the record and accept any overrides

Wait for the simulation to process

22 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Once complete, select the menu icon to view the details

View the details and the early withdrawal fee that will be assessed. Select the arrow to proceed with the
withdrawal.

Validate the record

23 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Scroll down and enter the Pay Out settlement instructions

Scroll back up to commit the record and accept any overrides

Return to the Deposit Overview and refresh the page to view the new balance and transaction history

24 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

25 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

IRAs
The following steps can be used for any IRA Term Deposit product available in the product catalog
Scenario 2: Process an Early Withdrawal - Partial
Janet Bucky Summers an existing customer has requested for opening an IRA CD / Term Deposit
product
Search for the customer “Janet Summers” using the search option and open the customer 360 view. Scroll
down to select the option to “IRA Deposit” from his Single Customer View

Select New Arrangement next to IRA Traditional Term Deposit

Enter the Currency as USD and validate the record

Scroll down to see the different product features which can be viewed or amended. Select Account Officers

Provide an account officer by typing in the code or selecting one from the dropdown

26 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Next select the Commitment dropdown and provide a commitment amount

Next select the Renewal Conditions and enter the renewal period as 90D by selecting the calendar icon next
to the Renewal Period field

Next, select IRA and enter the plan type, source of funds, and bank name

Scroll down and enter beneficiary details (beneficiaries must existing customer’s in Transact)

27 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Once complete scroll back to the top and commit the record and accept any overrides

Return back to Janet’s Single Customer View and view the product. Select the arrow to view additional
details.

Select the three dots to view the dropdown and select IRA Contribution

Enter the payment details for contribution type, amount, and debit account number

28 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Commit the payment and accept any overrides

**Please note the PAYMENT.STPFLOW.MEDIUM service must be running

Return to the IRA Overview screen to view the deposit funded

Select Beneficiaries from the Additional IRA info section to view beneficiary details

29 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

From Janet’s Single Customer View – select the IRA tab and then the respective Plan Type to view
consolidated IRA information

30 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Lending
Consumer Line of Credit
The following steps can be used for any consumer line of credit product available in the product catalog
Scenario 1: Scott Davis an existing customer has requested for a Line of credit.
Search for the customer “Scott Davis” using the search option and open the customer 360 view. Review the
Single Customer View to see what products are currently held. Open a Consumer LOC for him from the
“Product Catalog”

** Please note currently there is an issue to access the product catalog from the CUSREP user. As an
alternate, login as AUTHOR/123456. Switch the Company from “Model Bank” to “US Model Bank” to access
the “Product Catalog”
Select the hamburger menu in the top left and select User Menu > Product Catalog

From the catalog select Consumer LOC from the Consumer Lines of Credit product group

31 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select New Arrangement for the Consumer LOC product to open for Scott Davis

Enter the customer and currency and date information, then validate

Scroll down to see the different product features which can be viewed or amended. Select Account Officers

Provide an account officer by typing in the code or selecting one from the dropdown

Next select the Commitment dropdown and provide a commitment amount and term

32 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Scroll back to the top to commit the record to open the loan

Once complete, log out of the AUTHOR user.

Log back into the CUSREP user and search again for Scott Davis and launch his Single Customer View

Launch the Loan Overview

Select the option for Loan Disbursement from the same menu

33 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Enter the payment details as shown below to disburse the loan

** Please note US1/PAYMENT.STPFLOW.HEAVY service should be running

Return to the loan overview screen to view the loan disbursed

Select Schedule under Additional Details to view the amortization schedule on the loan

34 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Consumer Loan
The following steps can be used for any consumer term loan product available in the product catalog.
Scenario 1: Heidi Sampson an existing customer and has requested for Personal loan.
Search for the customer “Heidi Sampson” using the search option and open the customer 360 view. Review
the Single Customer View to see what products are currently held. Open a Consumer Loan from the “Product
Catalog”
** Please note currently there is an issue to access the product catalog from the CUSREP user. As an
alternate, login as AUTHOR/123456. Switch the Company from “Model Bank” to “US Model Bank” to access
the “Product Catalog”
Select the hamburger menu in the top left and select User Menu > Product Catalog

35 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

From the catalog select Consumer Loan from the Consumer Loans product group

Select New Arrangement for the Consumer Loan product to open for Heidi Sampson

Enter the customer and currency and validate

Scroll down to see the different product features which can be viewed or amended. Select Account Officers

36 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Provide an account officer by typing in the code or selecting one from the dropdown

Next select the Commitment dropdown and provide a commitment amount and term

Scroll back to the top to commit the record to open the loan

Once complete, log out of the AUTHOR user. Log back into the CUSREP user and search for Heidi Sampson
and launch her Single Customer View

Select the option for Loan Disbursement from the Options menu

37 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Enter the payment details as shown below to disburse the loan

** Please note US1/PAYMENT.STPFLOW.HEAVY service should be running

Return to the loan overview screen to view the loan disbursed

Select Schedule under Additional Details to view the amortization schedule on the loan

38 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Auto Loan
The following steps can be used for any Auto loan product available in the product catalog.
Scenario 1: Emma Garcia an existing customer and has requested for an Auto loan.
Search for the customer “Emma Garcia” using the search option and open the customer 360 view. Review the
Single Customer View to see what products are currently held. Open an auto from the “Product Catalog”
** Please note currently there is an issue to access the product catalog from the CUSREP user. As an
alternate, login as AUTHOR/123456. Switch the Company from “Model Bank” to “US Model Bank” to access
the “Product Catalog”
Select the hamburger menu in the top left and select User Menu > Product Catalog

From the catalog select Auto Loan from the Consumer Loans product group

39 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select New Arrangement for the Auto Loan product to open for Emma Garcia

Enter the customer and currency and validate

Scroll down to see the different product features which can be viewed or amended. Select the arrow next to
Commitment

Provide a commitment amount and term

Select the arrow for Schedule and define the disbursement percentage and start date

40 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select the arrow for Settlement and define the disbursement account and percentage under Pay Out rules

Scroll back to the top to commit the record to open the loan and accept overrides

Once complete, log out of the AUTHOR user. Log back into the CUSREP user and search for Emma Garcia
and launch her Single Customer View

Select the option for Loan Overview from the Options menu

41 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Review the loan overview screen to view the loan disbursed and active

Select Schedule under Additional Details to view the amortization schedule on the loan

42 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select Bills from the dropdown menu to view any upcoming/outstanding bills

43 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Mortgage
The following steps can be used for any mortgage loan product available in the product catalog
Scenario 1: Emma Garcia an existing customer and has requested for Mortgage.
Search for the customer “Emma Garcia” using the search option and open the customer 360 view. Review the
Single Customer View to see what products are currently held. Open mortgage from the “Product Catalog”
** Please note currently there is an issue to access the product catalog from the CUSREP user. As an
alternate, login as AUTHOR/123456. Switch the Company from “Model Bank” to “US Model Bank” to access
the “Product Catalog”
Select the hamburger menu in the top left and select User Menu > Product Catalog

From the catalog select ARM Mortgage from the Mortgages & Home Equity product group

Select New Arrangement for the ARM Mortgage product to open for Emma Garcia

44 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Enter the customer and currency and validate

Scroll down to see the different product features which can be viewed or amended. Select the arrow next to
Commitment
Provide a commitment amount

Select the arrow for Schedule and define the disbursement percentage and start date

45 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select the arrow for Settlement and define the disbursement account and percentage under Pay Out rules

Scroll back to the top to commit the record to open the loan and accept overrides

Once complete, log out of the AUTHOR user. Log back into the CUSREP user and search for Emma Garcia
and launch her Single Customer View

Select the option for Loan Overview from the Options menu

Review the loan overview screen to view the loan disbursed and active

46 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select Schedule under Additional Details to view the amortization schedule on the loan

Select the Bills option from the dropdown menu to view any upcoming/outstanding Bills

47 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Commercial Loan
The following steps can be used for any commercial loan product available in the product catalog
Scenario 1: HGR Corporation an existing Commercial customer and has requested for a Secured Term
Loan.

48 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Search for the customer “HGR Corporation” using the search option and open the customer 360 view. Review
the Single Customer View to see what products currently held. Open a Secured Term loan from the “Product
Catalog”
** Please note currently there is an issue to access the product catalog from the CUSREP user. As an
alternate, login as AUTHOR/123456. Switch the Company from “Model Bank” to “US Model Bank” to access
the “Product Catalog”
Select the hamburger menu in the top left and select User Menu > Product Catalog
From the catalog select Secured Business Term loan from the Commercial Loan product group

Select New Arrangement for the Secured Business Term Loan product to open for HGR Corporation

Enter the customer and currency and validate

Scroll down to see the different product features which can be viewed or amended. Select the arrow next to
Commitment
Provide a commitment amount

49 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select the arrow for Schedule and define the disbursement percentage and start date

Select the arrow for Settlement and define the disbursement account and percentage under Pay Out rules

Scroll back to the top to commit the record to open the loan and accept overrides

Once complete, log out of the AUTHOR user. Log back into the CUSREP user and search for HGR
Corporation and launch their Single Customer View

50 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select the option for Loan Overview from the Options menu

Review the loan overview screen to view the loan disbursed and active

Select Schedule under Additional Details to view the amortization schedule on the loan

51 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Select the Bills option on the dropdown menu to view upcoming/outstanding bills

52 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

53 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Cash Management
Virtual Account Management
Scenario 1: Simple Virtual Account Structure
WR-Yorker Brokers is an existing customer and has requested for virtual account service.
Please note currently there is no Cash Management Role based user for the US1 Company. As an alternate,
login as BNUSER1/123456. Switch the Company from “Model Bank” to “US Model Bank” to access the
“Balance Netting” Landing page.

Search for the customer using full/partial search and click the Single Customer View

From the SCV now launch a new Graphical Structure

54 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

**Please note: The graphical view of VAM as an issue in Transact Explorer. Step 3 above and the remaining
steps and screenshots below are taken from the UXP browser.
Fill in the details required to create a new Master Account for the VAM structure.

The Graphical Builder will launch and allow you to complete the VAM structure.

Add the Summary and Transaction accounts to the VAM structure to represent the business use case or
hierarchy structure as needed.

Fill in the Account Name, Currency, and Country information for each account to be added.

55 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Continue adding Transaction and Summary accounts from the Graphical View, Validate the structure when
ready.

Follow the on-screen prompts to Validate, Commit, and Go Preliminary.

**Please Note: US1/AA.POOL.ORCHESTRATION.SERVICES must be running to move the account to a
Preliminary Status.

56 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

The Structure should now show as a ‘Preliminary’ Status.

57 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Once the Structure is ‘live’ you will be able to fund the Virtual Transaction accounts and transfer funds within
the VAM structure from the Card view.

58 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

US Payments
US Payments Configuration
Base payment parameterizations are included to process US payment rails, such as ACH and FedWire.
For payment demonstrations, 18 parameter tables need to be set up in addition to the standard pre-
configuration. Data scripts for these 18 tables has been delivered as scripts to facilitate BSG to accelerate the
payment demonstrations.
 CUSTOMER
 ACCOUNT
 PP.COMPANY.PROPERTIES
 PP.IBAN.STRUCTURE
 PP.SEND.DATE
 PP.DEBIT.VALUE.DATE
 PP.HOLIDAY.LOGIC
 PP.BOUNDARY.DATE
 FEDWIRE.PARAMETER
 PP.CLEARING
 PP.CLEARING.FREQUENCY
 ACH.CORPORATE.INFO
 PP.CONTRACT
 PP.REGION
 PP.CLEARING.SETTING
 BATCH
 ACH.CLEARING.PARAMETER
 PP.PROGRAMS.PER.WEIGHTS

Services to be running to process payments

The following services must be started and running before proceeding with any demo scenarios mentioned in
this document:

Service Name Description Profile Status

BNK/OLTP OFS Service TSS STAR

T

TSM TSM Record for running TSM STAR

upgrade as service T

US1/ACH.CAPTURE.UPDATE. ACH Batch origination ONE AUTO

service
WAREHOUSE

US1/ACH.GENERATE.ENTRIES ACH Transaction ONE AUTO

posting service

US1/ACH.PROCESS.CORP.FILES ACH Corporate file ACH.PROFILE AUTO

service

US1/ACH.SETTLEMENT.ENTRIES ACH Settlement posting ACH.PROFILE AUTO

service

US1/ACH.UPLOAD.WAREHOUSE ACH Inward file upload ONE AUTO

service

59 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

US1/ACH.VALIDATE.FILE ACH NACHA file ACH.VALIDATE.FILE AUTO

validation service

US1/BATCHMESSAGEMAPPINGS Mapping batch BATCHMESSAGEMAPPINGS AUTO

ERVICE messages ERVICE

US1/CLEARING.SETTLEMENT.SE TSA for CLG.SETT AUTO

RVICE CLEARING.SETTLEMEN
T
.SERVICE

US1/FEDWIRE.INWARD Fedwire Inward Service ONE AUTO

US1/OFS.MESSAGE.SERVICE Service to process OFS OFS.MESSAGE.SERVICE AUTO

requests

Service Name Description Profile Status

US1/PAYMENT.STPFLOW.HEAVY Payment STPFlow PAYMENT.STPFLOW.HEAVY AUTO

Heavy

US1/PAYMENT.STPFLOW.LIGHT Payment STPFlow Light PAYMENT.STPFLOW.LIGHT AUTO

US1/PAYMENT.STPFLOW. Payment STPFlow PAYMENT.STPFLOW. AUTO

Medium
MEDIUM MEDIUM

US1/USREGS.ACH.SETTLEMENT USREGS.ACH.SETTLE USREGS.ACH.SETTLEMENT AUTO

MENT

Creating US Payments User

Currently there is no specific user of Payment Operations landing page, however US Features include a
dedicated US Payments Role Based Home Page. For the ease of demo, create a user and assign the
Payment Role Based Home Page to the Browser Preference. Steps and navigation as follow.
Login with INPUTT/123456 and navigate to “List of Users” menu.

60 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Next, set the user preferences for this newly created user and set the main screen as
PAYMENT.HOME.PAGE

** Please note ACH and Fedwire dashboards are created as BSG UX wrapper and typically applied for demos
for illustration purposes, the same is not yet productized.

FedWire

Scenario 1: Outgoing Fedwire Payment

These are payments being initiated within the TPH Bank and going to a beneficiary in another bank. To initiate
a new payment, navigate to Fedwire payment Initiation menu -> Customer Transfer Plus -> 1000. This opens
the required. payment initiation screen.

We are initiating a USD 1500 wire transfer from Danny Brown’s consumer checking account to a beneficiary
named Nick Johns.

61 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Once the transaction is committed, it needs to be authorized by another user. Authorization can be done using
the following menu option:

Once authorized, the payment is processed by TPH and available in the “Pending and Processed Payments”
tab on the home page with status 687.
The system generates an outward message in Fedwire format, which is available in UD/USMB/FEDOUT
folder on the server.

62 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

The transaction is posted on the customer account as follows:

** Please note BSG wrappers are created to streamline the payment capture screens to autocomplete the
ordering customer id and address fields as soon as the debit account is specified for illustration purposes.

Incoming Fedwire Payment

These are payments initiated outside of the TPH Bank to a beneficiary within TPH Bank. To demo an
incoming payment scenario, an incoming Fedwire format message needs to be placed in the Fed Input folder
(UD/USMB/FEDIN)
Structure of this file is as follows:

Tag 1520 is the unique reference for the payment

Tag 2000 is the dollar value of the payment (last two digits are always after decimal digits)

63 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

Tag 4200 has the beneficiary account number, name, and address
In this example, Danny Brown, a customer within TPH bank is receiving a $8000.50 wire from James Smith.
Once the payment is processed by TPH, it is in the “Pending and Processed Payments” tab on the home
page with status 999.

The transaction is posted on the customer account as follows:

64 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

ACH

Scenario 1: Single ACH Credit Transaction as ODFI

Payments are initiated using the Payment Order – Domestic option from the menu.

Once the payment has been processed, it is available in the “Pending and Processed Payments” tab on the
home page with status 990. It also creates a settlement transaction for next day in status 19 (Wareho use)

The transaction is posted on the customer account as follows:

65 Business Solutions Groups

Internal Demo Guide- US Model Bank (USMB)

*
**More Demo Journey and sample data sets are planned to be released in the next releases to offer BSG
a good collection to reference data to accelerate client specific demo needs.

66 Business Solutions Groups