Financial Inclusion/Accelerator

Customer User Guide

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without notice.
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purpose, without the express written permission
of TEMENOS HEADQUARTERS SA.
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all rights reserved.
Customer

Table of Contents

Document History ............................................................................................................................................................................... 5

Introduction .......................................................................................................................................................................................... 6
Assumptions ........................................................................................................................................................................................ 6
References............................................................................................................................................................................................ 6
Pre-requisites....................................................................................................................................................................................... 6
Prospect Customer ............................................................................................................................................................................. 7
Overview ............................................................................................................................................................................................... 7
Access ............................................................................................................................................................................................... 7
Procedure......................................................................................................................................................................................... 7
Prospect Control ................................................................................................................................................................................. 8
Enquiries ............................................................................................................................................................................................... 8
Access ............................................................................................................................................................................................... 8
New Customer ................................................................................................................................................................................. ..10
Overview ............................................................................................................................................................................................. 10
Individual Customer......................................................................................................................................................................... 10
Overview ........................................................................................................................................................................................ 10
Access ............................................................................................................................................................................................. 10
Functions ........................................................................................................................................................................................ 10
Procedure....................................................................................................................................................................................... 10
Fields for entry .............................................................................................................................................................................. 10
PERSONAL version....................................................................................................................................................................... 11
ADDRESS version ......................................................................................................................................................................... 14
CONTACT version ........................................................................................................................................................................ 15
ID DOC version ............................................................................................................................................................................. 16
RELATION version ........................................................................................................................................................................ 17
FURTHER DETAILS version......................................................................................................................................................... 19
EDUCATION version .................................................................................................................................................................... 20
EMPLOYMENT Version ............................................................................................................................................................... 21
KYC Version ................................................................................................................................................................................... 22
NOMINATION version ................................................................................................................................................................. 23
BUSINESS version......................................................................................................................................................................... 25
OTHER DETAILS version ............................................................................................................................................................. 26
Non-Individual Customer ............................................................................................................................................................... 29
Access ............................................................................................................................................................................................. 29
Functions ........................................................................................................................................................................................ 29
Procedure....................................................................................................................................................................................... 29

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Fields for entry .............................................................................................................................................................................. 29

NON-INDIVIDUAL version.......................................................................................................................................................... 29
ADDRESS version ......................................................................................................................................................................... 32
CONTACT version ........................................................................................................................................................................ 33
ID Doc version .............................................................................................................................................................................. 35
BUSINESS version......................................................................................................................................................................... 36
SIGNATORIES version.................................................................................................................................................................. 38
RELATION Version ....................................................................................................................................................................... 39
FURTHER DETAILS version......................................................................................................................................................... 40
KYC version.................................................................................................................................................................................... 41
OTHER DETAILS version ............................................................................................................................................................. 42
Customer Authorisation.................................................................................................................................................................. 44
Overview ........................................................................................................................................................................................ 44
Access ............................................................................................................................................................................................. 44
First screen..................................................................................................................................................................................... 44
Procedure....................................................................................................................................................................................... 44
Profile Picture Upload ..................................................................................................................................................................... 45
Access ............................................................................................................................................................................................. 45
Procedure....................................................................................................................................................................................... 45
IMAGE CAPTURE version............................................................................................................................................................ 45
Upload the Image ........................................................................................................................................................................ 46
Guarantors ..........................................................................................................................................................................................49
Overview ............................................................................................................................................................................................. 49
Access ............................................................................................................................................................................................. 49
Procedure....................................................................................................................................................................................... 49
Fields for entry .............................................................................................................................................................................. 49
GUARANTOR Version .................................................................................................................................................................. 50
Maintain Customer ...........................................................................................................................................................................52
Overview ............................................................................................................................................................................................. 52
Amend Customer - Change details for an existing customer. .......................................................................................... 52
Terminate / Reactivate Membership ...................................................................................................................................... 53
Customer Classification Changes ................................................................................................................................................. 53
Overview ........................................................................................................................................................................................ 53
Fields for entry .............................................................................................................................................................................. 54
Customer Classification Parameters ....................................................................................................................................... 54
Access ............................................................................................................................................................................................. 55
Account Officer Changes ................................................................................................................................................................56
Overview ............................................................................................................................................................................................. 56
Access ............................................................................................................................................................................................. 56

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Functions ........................................................................................................................................................................................ 56
Procedure....................................................................................................................................................................................... 56
Fields for entry .............................................................................................................................................................................. 56
CHANGE ACCOUNT OFFICER Version .................................................................................................................................... 56
Account Officer Change Authorization ....................................................................................................................................... 58
Overview ........................................................................................................................................................................................ 58
Access ............................................................................................................................................................................................. 58
First screen..................................................................................................................................................................................... 58
Procedure....................................................................................................................................................................................... 58
View Account Officer Changes ..................................................................................................................................................... 58
Overview ........................................................................................................................................................................................ 58
Access ............................................................................................................................................................................................. 58
Screen ............................................................................................................................................................................................. 58
Customer Enquiries ..........................................................................................................................................................................60
Customer Listing ............................................................................................................................................................................... 60
Overview ........................................................................................................................................................................................ 60
Access ............................................................................................................................................................................................. 60
Procedure....................................................................................................................................................................................... 60
Screen ............................................................................................................................................................................................. 60
Related Customers ........................................................................................................................................................................... 61
Access ............................................................................................................................................................................................. 61
History of Changes ........................................................................................................................................................................... 62
Access ............................................................................................................................................................................................. 62
Procedure....................................................................................................................................................................................... 62
Customer Portfolio View................................................................................................................................................................. 62
Overview ........................................................................................................................................................................................ 62
Access ............................................................................................................................................................................................. 62
Officer Listing .................................................................................................................................................................................... 65
Overview ........................................................................................................................................................................................ 65
Access ............................................................................................................................................................................................. 65
Notes ....................................................................................................................................................................................................66

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Document History

Author Version Date

Esther Muniu 2.0 15th November 2024

Comments:

Version 2.0: Updated after Customer Back to Core project.

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Introduction
This guide aims to provide information regarding the configuration of the Customer Application and related
operations in Financial Inclusion / Accelerator (FI/ACL). The operations involved during the lifecycle of the customer’s
relationship with the financial institution are also described. The guide is divided into five main segments, each
describing the functionality, parameter set up procedures and deal processing. These main segments are:
1. Prospect Customer
2. Customer (Individual and Non-Individual)
3. Guarantors
4. Customer Maintenance
5. Customer Enquiries

Assumptions
It is assumed that the reader of this guide is proficient in the Temenos Core Banking system, worked with the Browser
channel application and understands the structure and navigation of the FI/ACL Role Based Home Pages. For
configuring the functionality, it is assumed that the reader has prior implementation experience and understands the
technical concepts of the Temenos Core Banking system.

References
Role Based Home Pages user guide.

Pre-requisites
To get the most out of this manual, it is essential that you are familiar with the standard procedures regarding navigating
your way around the system. This includes items such as program access via menus, data entry and editing, mandatory and
multi‐level fields, committing details, and so forth.
You can access the following menus and sub‐menus:

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Prospect Customer
Overview
A prospect customer is a potential customer to your institution, who may later decide to become a customer of the
bank. The prospect details are recorded in the CUSTOMER application.
In FI/ACL, Prospect customers may be created through the following two ways:
1. Digital Customer Onboarding App - One of FI/ACL’s channels offering which enables financial institutions
facilitate a self-onboarding journey for their customers. It features pre-integrated ID verification and
authentication from a Temenos Exchange Partner. Please contact your Account Manager for more details
and / access to the Digital Customer Onboarding App.

2. Manually by creating a customer record and setting the Customer Type field to “Prospect” as described
below.

Access
Customer Menu >> Individual Customer / Non-Individual Customer
Customer Service Agent RBHP >> New Individual Customer /Non- Individual Customer

Procedure
To capture details for a new Individual Customer, do the following:
1. Click on Customer Menu>>Individual Customer or Non- Individual Customer. The first screen will display.
2. Click on the Next Deal icon. The system allocates the next sequential number.
3. Enter all the fields as described below.
4. When everything has been completed click on the Commit icon.

For PROSPECT Customers, the customer type field should be set to “Prospect”. All other fields for entry are described
in the customer section.

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Prospect Control
The customer type field will, by default, change from ‘Prospect’ to ‘Active’ the moment that an arrangement,
collateral, limit, account, etc. is authorised for the customer. To control which applications are to change the status
a development in the CR.OPPORTUNITY.PARAMETER called UNBLOCK.CR.ITEM is provided by Transact (Core). Refer
to the Core Documentation for further information.

Enquiries
The Enquiries were updated to provide details of both Prospect Customers.

Access
AIO SCV>Customers>Shortcuts>Prospect Customers

It is also possible to search for a Prospect customer by using the selection in the Enquiry:

Records Awaiting Authorisation are still reported in AIO SCV > Customers > Shortcuts > Pending Customers

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Once Authorised, the record is reported in AIO SCV > Customers > Shortcuts > Prospect Customers

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New Customer
Overview
A Customer is an individual (or non‐individual) who has been accepted by your institution as such and who make
use of one or more of the facilities you offer, for example as savings accounts, loans and so forth.

Individual Customer
Overview
The term individual is used for a customer who is a person who wishes to deal with your institution in his or her own
right.

Access
Customer Menu>>Individual Customer
Customer Service Agent RBHP>>New Individual Customer

Functions
This menu option allows you to either:

 Capture details for a new Individual Customer

 Change details for an existing Individual Customer
 Delete an unauthorised Individual Customer
 Authorise an Individual Customer

Procedure
To capture details for a new Individual Customer, do the following:
1. Click on Customer Menu>>Individual Customer. The first screen will display.
2. Click on the Next Deal icon. The system allocates the next sequential number.
3. Enter all the fields as described below.
4. When everything has been completed click on the Commit icon.

Fields for entry

Mandatory fields are identified by an asterisk to the left of the input area and needs to be filled with relevant
data.

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PERSONAL version

Field Description

ID The system allocates the next available Customer number and displays the value in this field.

Title The title of the customer. This can be selected from the lookup list maintained in System Parameters >
Customer >> Customer Tables.

Mnemonic This value is calculated by the system to prevent duplication of customer records.
The mnemonic is composed of the first 3 characters of the Surname (Last Name), the first initial
(entered in the Initial field), the last two digits of the year of birth, the two digits of the month of
birth and a sequential number.
For instance, if Ms Colleen Riley was born on the 23rd of September 1989, the mnemonic will be
calculated as:
RILC89092301
If someone else, with the same first three characters in the Surname, Initial and Year and Month
of Birth becomes a Customer, the Mnemonic will be RILC890902. The user will receive a message
to check.

The Mnemonic is calculated by the system and duplicates are not allowed.

Given Name The First Name/s of the customer

Family Name The Last Name of the customer

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Gender The gender of the Customer is selected from the lookup list by clicking on the radio icon. The
choices are Female, Male or Other (for Non-Individual Customer).

Age (years) This value is calculated by the system, and you cannot change it. This represents the current age
of the customer and will always be recalculated (during the COB) for display.
Date of Birth Enter the date of birth of the customer.
Dates are either entered in the format DDMMMYYYY, such as 12JAN1997,
1JUN1992 (only the first 3 characters of the month name are to be used), or YYYYMMDD, such as
19970112 (12th of January 1997) or selected from the pop‐up calendar.
Birth City Enter the city where the customer was born.

Birth Country Select the Country of birth from the lookup list. This is a system table which should not be changed
Birth Province Enter the Province (if applicable)

Nationality Select the Nationality of the Customer from the lookup list. This is a system table which cannot be
changed. The country code of your institution is displayed by default.

Residence Select the Country of Residence of the Customer from the lookup list. This is a system table which
cannot be changed. The country code of your institution is displayed by default.

Customer’s The system defaults the value in this field to the language of your institution. Accept it of select
Language the customer’s language from the lookup list. This list is maintained in System Parameters
Menu>>Customer>>Customer Tables>>Customer Language.
This will help your institution to give the best possible service to customers in their own language,
such as provide account statements in the language of the customers’ choosing.
The language of the customer (Swahili) need not be the same as the language of the institution
(English) or the user (French).

Resident Y/N State whether your customer is a Resident of the Country of your institution by clicking on the
appropriate radio icon. Options are: Yes, No or Pending.

Customer Indicates the type of customer, The values of PROSPECT, EXTERNAL.USER, ACTIVE or null (the
Type equivalent of ACTIVE) are allowed.
Select ACTIVE is the customer I ready to form a business relationship with the institution.
Select PROSPECT for a potential customer. If the potential customer does not form a business
relationship with the institution, such as opening an account, limit or contract then after a period
of time defined on the CUST.RETENTION field on COMPANY the customer record and all
associated data will be removed from the system.
If EXTERNAL.USER is selected, then the customer can only be used as a signatory in select
applications.

Customer Select a status code from the lookup list. The default value is ‘4’, pending approval of the customer
Status application. The codes are held in a system table and cannot be changed.

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Classification Select a classification code from the lookup list. This list is a system table and cannot be changed.

Customer Select the rating of the customer. This field is linked to EB.RATING table. The EB Rating table can
Rating be used to maintain ratings issued by different credit rating agencies.

Account Select the code that represents the Account Officer responsible for maintaining the relationship
Officer with this entity on behalf of your institution from the lookup list provided.
This list is maintained in System Parameters >> Customer >> Customer Tables >> Account Officer.

Second Officer Select the code that represents the second Account Officer responsible for maintaining the
relationship with this entity on behalf of your institution from the lookup list provided.

Sector Select a code representing the (economic) Sector in which the entity operates from the lookup
list provided. This list is maintained in System Parameters >> Customer >> Customer Tables >>
Sector Codes.

Industry Select a code representing the industry in which the entity operates from the lookup list provided.
This list is maintained in System Parameters >> Customer >> Customer Tables >> Industry Codes.

Target Select the Target code specifying how the Customer is considered by the institution and how he
fits in with the overall marketing strategy.

Blocked Select Y (Yes) if the Customer status is ‘blocked’ for any reason. Customers with blocked status set
to Yes will not be able to open any new accounts with your institution.

Posting This field identifies restrictions for posting entries imposed on a customer. An override will be
Restrict required to accept any entry which meets the conditions of a Posting Restriction. If this applies to
your customer, then select the relevant code.

Vulnerability Select the type of vulnerability (physical impairment) the customer has, if applicable.

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ADDRESS version

Field Description

Address Country Select the country of the address being captured. This field defines how the
remaining address fields will be presented for completion, as address formats
may differ in each country

Building Name Enter the name of the building

Building No. The number that identifies the position of a building on a street

Flat No. The number that identifies apartment and unit that have other dwellings
above or below, often with shared access and common areas

Floor Enter the building floor (Where applicable)

Street Enter the street name

Address Additional address field

Town/City Enter the city or town

Town Location Name Additional field to record other address attributes such as Suburb,
Municipality, Area, etc

Department Enter the department

Sub Department Enter the sub-department

Post Code Enter the postal code

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PO Box No Enter the Post Office box number

Country Subdivision Enter the country subdivision such as Province or State

District Name Enter the district name

Country Enter the country name

Update Previous This indicates whether to maintain the address history in the table
Address PREV.CUST.ADDRESS. If No specified (box ticked) then address details will not
be updated in the table. If nothing specified the details will be maintained

Address Validated By Reserved for Future user. Can be used to store the name/identifier of local
party/service used to confirm the address

Accommodation Type Select the customer’s accommodation situation from the table that is
maintained in System Parameters >>Maintaining Tables>>Types of
Accommodation.

Copy over old address? Not in use

CONTACT version

Field Description

Contact Location Select the type of contact details entered in the multi value set (PHONE, SMS,
and EMAIL)

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Phone Number Enter the customer’s telephone number if applicable.

Mobile Tel No Enter the customer’s mobile (cellular) telephone number for SMS if
applicable.

e-Mail Address Enter the customer’s e-mail address if applicable.

Communication Type Select the type of communication that the customer has opted in for E.g.,
ADVICE, ALERT, CAMPAIGN. The list of options is maintained in virtual table
EB.LOOKUP

Pref Channel Specify the preferred method of contact. E.g., BRANCH, EMAIL, INTERNET.

Confidential Y/N? There are occasions where for the sake of customer confidentiality that the
customer’s name is not used in advices or payment instructions generated by
the bank. Typically, a phrase such as 'One of our Customers' would be used
instead of the customer’s name.
This field controls the generation of the standard text in the ‘ Ordering
Customer’ fields of the SWIFT messages, allowing the text to be in the
language of the receiving bank.
Yes - will try to insert the standard text in the ordering customer field of the
SWIFT message provided the system has been set correctly. If unsuccessful
then the customer text will be used.

Internet Banking? This field can be configured to enable Internet Banking for the customer if
selected.

Mobile Banking? This field can be configured to enable Mobile Banking for the customer if
selected.

Mailing List Y/N ‘Yes’, will put the customer on the institution’s mailing list. This will result in
him/her receiving all mail items sent by the institution, such as marketing mail
shots, newsletters and so on.

Mailing List Statemen This is used for indicating that account statements will be mailed.

Mailing List Letters This is used for indicating the letters will be mailed.

Mailing List Labels This is used for indicating that the customer details will be included in bulk
label production.

ID DOC version

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Field Description

Legal ID Enter the number of the Identification Document presented by the Customer. for example,
passport number, identity card number, PIN number etc

Document Name Specify the type of Identification Document the Customer presented. You may select form the
lookup list which is maintained in System Parameters>>Customer >> Customer Tables>>Legal
Document Name.

Name on ID Enter the legal document holders name

Issue Authority Enter the legal issuing authority

Issue Date Enter the legal document date of issue

Expiry Date Enter the expiry date of the document if applicable.

Dates are either entered in the format DDMMMYYYY, such as 12JAN1977,
1JUN1972 (only the first 3 characters of the month name are to be used), or YYYYMMDD, such as
19670112 (12th of January 1967) or selected from the pop‐up calendar.

Issue Country Enter the legal issuing country

RELATION version

Field Description

Relation Code Specify whether there is a relationship with another existing customer. The
relationships are captured between ‘real’ customers. Input must be a valid
Relation code and the reverse relationship will be shown automatically on the
REVERS.REL.CODE below as defined in the RELATION table.

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Relationships can be maintained in Administrator Menu >> Maintaining Tables

>> Relationship.

Reverse Relation This field is generated automatically by the System according to the values
defined in the RELATION table. It identifies the Relationship code for the
Related Customer.

Relation Customer Select the Customer Code or the Mnemonic of the Related Customer

Relation Delv.Option Part of the ROLE sub-value set. Used on selected CUSTOMER records that are
setup to be 'container' type records which group together a set of clients, such
as a joint customer relationship.
Each of the clients has their own record which can be linked to the container.
This field is used to specify what delivery address is to be used for the linked
customer. Only the first delivery option is used in a sub valued role list.

Role If the customer record belongs to a 'container' type record which groups
together a set of customers, such as a joint customer relationship, select the
role that the customer plays with the customer of the record. Must exist on
EB.ROLE table.

More Role Info When ROLE requires more information (see EB.ROLE table), this field
becomes mandatory. Otherwise, it is optional.

Role Notes Additional notes that can be entered about this role

Customer Liability This field allows Customer exposure to be consolidated at the branch or
country level when analysing the risk by the LIMIT Application. It indicates the
Customer consolidation number for credit grouping purposes, within the
same branch/country.

Marital Status Select a code to denote the customer’s marital status from the lookup list
provided. This list is maintained in EB.LOOKUP record MARITAL.STATUS. This
field is important as in many communities the borrower’s contractual status
depends on the marital arrangement.

Spouse’s Name Enter the spouse’s name in this field.

Spouse’s Occupation If the customer’s spouse is not a customer of your institution, enter the
spouse’s occupation in this field.

Spouse’s Employer’s If the customer’s spouse is not a customer of your institution, enter the
Name spouse’s employer’s name in this field.

Employer’s Address If the customer’s spouse is not a customer of your institution, enter the
spouse’s employer’s address in these 5 fields.

Town Enter the spouse employer’s Town details.

County Enter the spouse employer’s County details.

State Enter the spouse employer’s State details.

Postal Code Enter the spouse employer’s Post Code details.

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FURTHER DETAILS version

Field Description

Customer Since This field holds the date on which individual/corporate becomes the customer of the
institution

Leave Date A no input field automatically updated by the system when Terminate Membership
activity is committed, indicating that a customer has terminated the relationship with the
institution.

Death Date This field holds the date of death of the customer

Notification of Death This is the date on which the institution gets the notification that the customer is
deceased

Probate Date This is the date on which the funds that belonged to the deceased customer is expected
to be handed over for distribution to the beneficiaries

Previous Name Enter the previous name of customer, where applicable

Change Date The date of the customer’s name change

Change Reason Capture the reason for customer's name change

Other Nationality If the customer has another nationality.

Spoken Language Lists all spoken languages the bank may use. If input, must exist on SPOKEN.LANGUAGE
table.

No of Dependents Enter the number of dependents to the customer. This customer profile information may
be required by the CRM system.

Age of Dependents Expand the multivalue field to enter the age of each dependent.

Interests Enter the interests of the customer

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Further Details Enter any relevant further details about the customer.

Pastimes Enter the Customer’s pastimes.

Residential Status Enter the residence status of the customer. This residence information may be used by
the CRM system

Since Status The date since the user has obtained the residence

Type Select the residence type as defined in EB.LOOKUP. This residence information may be
used by the CRM system

Residence Value Price of the residence. This residence information may be used by the CRM system

Mortgage Amt Mortgage amount on property. This residence information may be used by the CRM
system

EDUCATION version

Field Description

Education Level Select the appropriate Education Level from the lookup list provided. These
are maintained in System Parameters Menu>> Customer >> Customer
Tables>>Education Level.

Student Indicate whether the customer is a student by selecting ‘Yes’ or ‘No’. Should
the indicator be set to ‘Yes’, the following three associated multi-value fields
become mandatory.

Place of Study Enter the name of the institution where the customer is a student at.

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Duration of Course Indicate the duration of the course.

Field of Study Enter the details. These fields are used for marketing purposes.

Current Study Type Indicate whether full time or part time studies.

Current Study End Date Enter the current study end date.

Current Student Enter the student number

Number

Student Concession Fee concessions can be defined for student current accounts. For more details
Start Date on concessions, please refer to the Current Account Services user guide.

Student Concession End Fee concessions can be defined for student current accounts. For more details
date on concessions, please refer to the Current Account Services user guide.

EMPLOYMENT Version

Field Description

Income Level Select an Income Level from the lookup list provided. These ranges are maintained in
System Parameters Menu>> Customer >> Customer Tables >>Salary Range.

Main Income Source Specify the main source of income of the customer, for example, Full Time Employment
or Pension.

Secondary Income Enter a secondary source of income if applicable. This could be from a hobby, rental
income from property or some such source.

Employment Number Enter the Customer’s employment number. This is a number allocated by the
Customer’s employers. (In the event of your institution offering payroll processing, the

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employee number may be used as an additional means of validation before salaries are
posted to customers’ accounts.

Employment Status Select the Employment Status code from the lookup list provided. This list is a system
table and cannot be changed.

Occupation Describe the customer’s occupation, e.g., teacher, administrative clerk, farmer, etc.

Job Title Select the customer’s job title from the drop-down list. If input, must exist on JOB.TITLE
table

Employer’s Name If you selected code 9999, enter the Employer’s Name. Alternatively, the system will
populate the appropriate fields with information captured in System Parameters
Menu>> Customer >> Customer Tables >>Employer List.

Employers Address Enter the address of the customer's employer. This client information may be required
by the CRM system.

Employer’s Business Enter the business the customer's employer is involved in. This client information may
be required by the CRM system.

Employment Start Date Enter the employment start date of the customer. This client information may be
required by the CRM system.

Customer Currency Enter the currency of the customer. This field becomes mandatory if the following
employment income fields are input. This client profile data may be required by the
CRM system.

Customer Salary Enter the gross salary of customer.

Annual Bonus Enter the annual bonus received by customer.

Salary Date Frequency Enter the payment frequency of salary.

Net Monthly In Enter the income earned by customer each month.

Net Monthly Out Enter the expenses of customer each month.

KYC Version

Field Description

Contact Date Specifies the date that first contact was made with the Customer. This field is for information only.
It must be a valid date which is less than or equal to today.

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Introducer Identifies the name of the person who introduced the Customer to the bank.
This field is for information only and is restricted to 35 characters.

KYC Indicates the relationship this customer is being held in. The KYC Relationship application is part of
Relationship the Temenos Customer Relationship Module (CRM). More details can be found on this page:
https://docs.temenos.com/docs/Solutions/Infinity/Legacy/CR/Legacy/CRM/OperationalCRM/Wor
kingWith.htm#

KYC This field is for information only and contains YES or NULL. If set to YES, then the information related
Complete to the customer has been collected and verified

Last KYC Enter the date customer KYC information was last reviewed
Review Date

Auto Next Date system has calculated that the customer should next be reviewed
KYC Rev

Manual Next Indicate the next review date, if applicable.

KYC Rev

AML Check This field is used for the institution’s Anti Money Laundering checks. It can be set to YES, SENT or
NULL values. Depending on these values the AML.RESULT field will get updated.

AML Result If the value in AML.CHECK is NULL, then this field will be NULL. If the value in AML.CHECK is SENT,
then the value in this field will be RESULT.AWAITED. And if the value in AML.CHECK is YES, then the
value in this field will be either POSITIVE or NEGATIVE

Last AML This indicates the date when the last Anti Money Laundering result is performed
Result Date

Override Reason for changing the customer's risk class from the calculated risk class. Mandatory, if
Reason CALC.RISK.CLASS is not the same as MANUAL.RISK.CLASS

Politically Indicate Yes if the customer is a politically exposed person.

Exposed
Person

NOMINATION version
This functionality is typically used by Community Banks/Credit Unions to capture details of the person/s to receive
value from the savings account on the member’s passing. Institution rules will apply.

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Field Description

Nomination Form Customers may nominate whom savings balances held with the institution
may be paid to. To capture details of each nominee, the following associated
multi-value fields may be used.

Customer Number Should the beneficiary be a customer of your institution, enter the customer
number (or select from the lookup list) and the related fields below will be
populated.

Beneficiary Name Enter the full names of the beneficiary.

Address Enter the street number and name of the beneficiary’s physical address.

Town Enter the town of the beneficiary.

County Enter the county of the beneficiary.

State Enter the state of the beneficiary.

Postal Code Enter the post code of the beneficiary.

Phone Number Enter the phone number of the beneficiary. This field does not populate from
the customer record (if a customer of your institution) as the opportunity is
given to ensure that the contact details are correct. You want to be sure to
carry out the member’s final wishes and by being able to contact the
beneficiary/ies, you will have a better reason for success.

Relationship to Select the relationship code from the lookup list which is maintained in System
Customer Parameters >>Customer >> Customer Tables>>Relationship.

Amount or Percentage Enter the Amount or Percentage of the legacy to be left to this beneficiary.
of Legacy Valid input is CCY1000 or 25%

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BUSINESS version

This version is typically used when customers wish to apply for facilities (loans) to start a business.

Field Description

Name of Business Enter the Name of the Business.

Nature of Business Describe the Nature of the Business.

Business Type Select the Business Type from the lookup table, this is maintained in System
Parameters >> Customer >> Customer Tables>>Business Type.

Business Plan Indicate whether the Business Plan is held (Y) or not (N).

Role in Business Enter the role of this Customer in the Business.

Business Address Enter the physical address details of the Business.

Town Enter the town of the physical address.

County Enter the county of the physical address.

State Enter the state of the physical address.

Tax Clearance Held Y/N Indicate whether the Confirmation that Tax is in Order (issued by the local Tax
Office) document is held (Y) or not (N).

Tax Clearance Expiry Enter the expiry date of the Confirmation that Tax is in Order document. The
Date system will not accept dates earlier than the current system date.

No of Employees Enter the number of people employed by this business. This information may
be useful for monitoring business progress, affordability calculations and
marketing.

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Customer

OTHER DETAILS version

Field Description

Branch Name Enter the branch (Company id) of the customer if different from the currently signed in Company.
This field when left blank will be updated with the value of the COMPANY under which the user
is signed in.

Issue Cheque This field denotes whether the customer is eligible for cheque issue facility and if first cheque
book has been issued or not.
Input "No" if the customer is not eligible for the cheque issue facility.
The system automatically changes the value to "YES" once first cheque book is issued to an
account for the customer.
To make cheque facility available to the customer change "NO" to Null.

Bulk Payments Indicate whether the CUSTOMER is allowed to be part of BULK processes. Options are Debit,
Credit or Both. Please refer to the bulk transfers user guide:
https://docs.temenos.com/docs/Solutions/T24_Transact/Framework/FT/Funds_Transfer/Bulk_Tr
ansfers/Configuration.htm#

Savings Some institutions for example Credit Unions are subject to regulatory limits which prohibit their
Balance Limits members from holding deposits in excess of a certain amount (for example €100,000 in savings
across all accounts)
The system can be configured to help the institution to proactively manage member savings
limits, based on a set as a parameter. Please refer to the Maximum Savings Balance user guide for
more details on this functionality.

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Customer

In exceptional cases some members may have agreed balances in excess of the credit union’s
limit. The maximum saving balance for such members can be set on this field.

Savings Where the maximum saving balance has been set differently from the rest of the bank (as
Balance Expiry described above), an expiry date for this exception to the rule may be set.
Date

OD Limit This related to Current Account Services in FI/ACL. Whether or not system wide tolerance limit
Tolerance processing is enabled for the institution is defined in parameter table EB.PARAM record ALL-
TOLERANCE-LIMIT. Please refer to the Current Account Services user guide for more details on this
functionality
Set this field to OFF to disable OD Limit Tolerance processing for this customer.

OD LT Removal Where system wide tolerance limit processing is enabled for overdrafts, select the reason for
Reason disabling OD Limit Tolerance processing for this customer. The current options are:

The list of options can be maintained in EB.LOOKUP record EM.CUS.LI.TOL.REAS

Loans Written Indicate whether loans of this customer had previously been written off by selecting from the
Off lookup table. (For LD loans only)

AA Loans This field is automatically updated by the system the first time a loan is written of for this
Written Off customer. It is used for loan eligibility checking and other reporting purposes

Universal Loan The system displays the total number of loans taken by the customer so far (both group and
Cycle individual loans). The number is incremented by 1 with each loan disbursed to the customer.

Account If the Customer has an account at any other Bank(s), enter the account number.
Number with
Other Bank

Bank/Branch Enter the Bank and/or Branch name in this field.

Sort Code Enter the sort code, this is also used for Direct Debit purposes. This list is maintained in System
Parameters >> Customer >> Customer Tables >> Sort Codes.

Date Account Enter the date on which this account was opened.
Opened

Group
Membership
fields

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Customer

Multi Group This field is automatically updated by the system where the customer is a member of more than
Allowed one group. The parameter to enable joining multiple groups may be maintained in the group type
table (MCB.GROUP.TYPE).

Member of The system will display the Group ID of which this Customer is a member of, in this no-input field.
Group

Group Cycle The system will display the cycle of the Group in this no-input field. (Based on the number of group
loans taken)

Group Type The system will display the Group type in this no-input field.

Status The system will display the status of the Group in this no-input field.

The AUDIT Version displays audit details such as who was the inputter, who the authoriser, and so forth, which are
not available for entry or editing as they are automatically updated by the system.

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Customer

Non-Individual Customer
A non‐individual is an entity such as a Company, Partnership, Group, Club, and so forth.

Access
All in One RBHP >> Customer Menu >> Non-Individual Customer
Customer Service Agent RBHP >> New Non-Individual Customer

Functions
This menu option allows you either to:
 Capture details for a new Non-Individual Customer
 Change details for an existing Non-Individual Customer

Procedure
To capture details for a new Non-Individual Customer, do the following:
1. Click on Customer Menu>>Non-Individual Customer. The first screen will display.
2. Click on the Next Deal icon. The system allocates the next sequential number.
3. Enter all the fields as described below.
4. When everything has been completed click on the Commit icon.

Fields for entry

Mandatory fields are identified by an asterisk to the left of the input area and needs to be filled with relevant data.

NON-INDIVIDUAL version

Field Description

Non-Individual ID The system calculates the next available Non-Individual Customer number and displays
the value in this field.

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Customer

Mnemonic This is a number composed by the system containing the first 8 characters of the Entity
Name, followed by a two-digit sequence number. Should the Entity Name be comprised
of a series of words, the first letter of each word will be used, filled with the remaining
letters until 8 characters have been used. Mnemonics for entities with fewer than 8
characters in their name will be filled with dots (.)
For instance, a customer called RAINBOW SEASON LTD and another called RAINBOWS
UNLIMITED will have mnemonics RAINBOWS01 and RAINBOWS02 respectively.
You will never be able to change this mnemonic.

Name of Entity The full name of the entity or non-individual, for example organisation, group, club,
association, or company.

Abbreviated Name An abbreviated name of the entity or non-individual. The system populates this field with
the data in the ‘Name of Entity field above, and you may change it. It is a mandatory field.
An example is Fruit Juice Bottling Company Consolidated being known as Juice
Consolidated.

Date Registered Enter the date on which the entity was registered (if applicable). Dates are entered in the
format DDMMMYYYY, such as 01JUL2022, 01 JUL 2022 (only the first 3 characters of the
month name are to be used), or YYYYMMDD, such as 20220701 (1st of July 2022) or
selected from the pop‐up calendar.

Registered Years The value in this field is calculated by the system and you cannot change it. It will be
recalculated on the anniversary of the date registered (field above). This represents the
number of years since the entity was registered.

Nationality Select the nationality of the entity from the lookup list provided.
These codes are help in a System Table and cannot be changed.

Residence Select the country of residence of the entity from the lookup list provided.
These codes are held in a System Table and cannot be changed.

Customer’s Language The default is the language of your institution. Change it by selecting the language code
from the lookup list. This list is maintained in Administrator Menu >> Maintaining Tables
>> Customer Language.

Resident Y/N State whether the Customer is a resident of the country of your institution.
Options are:
Y = Yes
N = No
P = Pending

Customer Type Indicates the type of customer, The values of PROSPECT, EXTERNAL.USER, ACTIVE or null
(the equivalent of ACTIVE) are allowed.
Select ACTIVE if the customer is ready to form a business relationship with the institution.
Select PROSPECT for a potential customer. If the potential customer does not form a
business relationship with the institution, such as opening an account, limit, or contract
then after a period of time defined on the CUST.RETENTION field on COMPANY the
customer record and all associated data will be removed from the system.
If EXTERNAL.USER is selected, then the customer can only be used as a signatory in select
applications.

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Customer

Customer Status Select the status code from the lookup list provided. These codes are held on a System
Table and cannot be changed.

Entity Type Select the code that represents the Entity Type from the lookup list provided.
Options are:
1. Individual Full Member, this record is for a legal entity on its own.
2. Group Full Member, this record is for a legal entity such as a group where full
Customer Information Files are held for each associated customer. Typically, where
loans are granted to the Group, these are to the members of the group in their
personal capacity. Cross guarantees are held in the names of the individual
members.
3. Group Abbreviated Member, this record is for a legal entity such as a group where
no Customer Information Files are held for the members of the group.
Customer Rating This field identifies the rating of the customer. It is linked to EB.RATING table and must
have an existing code on EB.RATING table. The EB Rating table holds the ratings assigned
internally or issued by different agencies such as Moody’s, Fitch and S&P

Account Officer Select the code that represents the Account Officer responsible for maintaining the
relationship with this entity on behalf of your institution from the lookup list provided.
This list is maintained in System Parameters Menu>>Customer>> Customer Tables >>
Account Officer.

Second Officer Select the second officer responsible for the business relationship with the customer, if
applicable.

Sector Select a code representing the (economic) Sector in which the entity operates from the
lookup list provided. This list is maintained in System Parameters Menu>>Customer >>
Customer Tables>> Sector.

Industry Select a code representing the industry in which the entity operates from the lookup list
provided. This list is maintained in System Parameters Menu >> Customer >> Customer
Tables >> Industry.

Target Select the Target code specifying how the Customer is considered by the institution and
how he/she fits in with the overall marketing strategy.

Blocked Y/N Select Y (Yes) if the Customer status is ‘blocked’ for any reason. Customers with blocked
status set to Yes will not be able to open any new accounts with your institution.

Posting Restrict This field identifies restrictions for posting entries imposed on a Customer. An override
will be required to accept any entry which meets the conditions of a Posting Restriction.
If this applies to your customer, then select the relevant code. For example:

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The list is maintained in Product Parameters Menu>>Accounts >> Account Tables >>
Posting restrictions.

Registration Number Enter the entity’s registration number if applicable.

ADDRESS version

Field Description

Address Country Select the country of the address being captured. This field defines how the remaining
address fields will be presented for completion, as address formats may differ in each
country

Building Name Enter the name of the building

Building No. The number that identifies the position of a building on a street

Flat No. The number that identifies apartment and unit that have other dwellings above or below,
often with shared access and common areas

Floor Enter the building floor (Where applicable)

Street Enter the street name

Address Additional address field

Town/City Enter the city or town

Town Location Name Additional field to record other address attributes such as Suburb, Municipality, Area, etc

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Customer

Department Enter the department

Sub Department Enter the sub-department

Post Code Enter the postal code

PO Box No Enter the Post Office box number

Country Subdivision Enter the country subdivision such as Province or State

District Name Enter the district name

Country Enter the country name

Update Previous This indicates whether to maintain the address history in the table PREV.CUST.ADDRESS.
Address If No specified (box ticked) then address details will not be updated in the table. If
nothing specified, the details will be maintained

Address Validated By Reserved for Future user. Can be used to store the name/identifier of local party/service
used to confirm the address

Accommodation Type Select the customer’s accommodation situation from the table that is maintained in
System Parameters >>Maintaining Tables>>Types of Accommodation.

Copy over old address? Not in use

CONTACT version

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Customer

Field Description

Phone Number Enter the customer’s telephone number if applicable.

Mobile Number Enter the customer’s mobile (cellular) telephone number if applicable.

e-Mail Address Enter the customer’s e-mail address if applicable.

Contact Person Details

Name The name of the key contact person

Position The position of the key contact person

Phone Number The key contact person’s telephone number

Mobile Number The key contact person’s mobile (cellular) telephone number

Preferred Channel Specify the preferred method of contact. E.g., BRANCH, EMAIL, INTERNET.

Consent to Disclosure Indicate whether the customer has signed Consent to Disclosure in terms of the Data
Protection Act.

Date of Signature Enter or select from the calendar the date on which the Consent to Disclosure was
signed by the customer.

Confidential Y/N? There are occasions where for the sake of customer confidentiality that the customer’s
name is not used in advices or payment instructions generated by the bank. Typically,
a phrase such as 'One of our Customers' would be used instead of the customer’s name.
This field controls the generation of the standard text in the ‘ Ordering
Customer’ fields of the SWIFT messages, allowing the text to be in the language
of the receiving bank.
Yes - will try to insert the standard text in the ordering customer field of the SWIFT
message provided the system has been set correctly. If unsuccessful then the customer
text will be used.

Internet Banking? This field can be configured to enable Internet Banking for the customer if selected.

Mobile Banking? This field can be configured to enable Mobile Banking for the customer if selected.

Mailing List Y/N ‘Yes’, will put the customer on the institution’s mailing list. This will result in him/her
receiving all mail items sent by the institution, such as marketing mail shots, newsletters
and so on.

Mailing List Statements This is used for indicating that account statements will be mailed.

Mailing List Letters This is used for indicating the letters will be mailed.

Mailing List Labels This is used for indicating that the customer details will be included in bulk label
production.

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Customer

ID Doc version

Field Description

Legal ID Enter the number of the Identification Document presented by the Customer. for example,
Certificate of Incorporation, VAT ID etc

Document Name Specify the type of Identification Document the Customer presented. You may select form the
lookup list which is maintained in System Parameters>>Customer >> Customer Tables>>Legal
Document Name.

Name on ID Enter the name as per the legal ID presented.

Issue Authority Enter the legal issuing authority

Issue Date Enter the legal document date of issue

Expiry Date Enter the expiry date of the document if applicable.

Dates are either entered in the format DDMMMYYYY, such as 12JAN1977,
1JUN1972 (only the first 3 characters of the month name are to be used), or YYYYMMDD, such as
19670112 (12th of January 1967) or selected from the pop‐up calendar.

Issue Country Enter the legal issuing country

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BUSINESS version

Field Description

Name of Business Enter the name of the Business

Nature of Business Describe the nature of the Business

Business Type Select the Business Type from the lookup table. These are maintained in
Administrator Menu>>Maintaining Tables>>Business Type.

Business Plan Indicate whether the business plan is held (Y) or not (N)

Tax Clearance Held Indicate whether Confirmation that Tax is in order Document is held (Y) or not
(N)

Tax Clearance Expiry Enter the expiry date of the above document. The system will not accept date
Date prior to the current system date.

State whether any of the following documents relating to the Entity are held by your institution.
The options are:
Y = Yes

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Customer

N = No
P = Pending
 Memorandum of Association
 Articles of Association
 Certificate of Incorporation
 Founding Statement
 Certificate to Commence Business
 Trust Deed
 Partnership Agreement
 Constitution
 Certificate for Change of Name

Note: These are typical company registration documents and may not apply to your environment.

We recommend that you leave these fields blank in this instance.

Associated Entities Enter the names of any associated entities, this is used for marketing and
relationship purposes.

Business Start Date Enter the date on which the business started operation.
Dates are either entered in the format DDMMMYYYY, such as 12JAN1957,
1JUN1972 or YYYYMMDD, such as 19570112 (12th of January 1957) or select
from the pop-up calendar. Validation is carried out; the Business Start Date
cannot be earlier than the Business Registration Date.

Monthly Turnover Select the appropriate value from the lookup list which is maintained in
System Administrator Menu>> Customer >> Customer Tables>>Salary Range.

End of Year Month Define the financial year end month of the Business. Options available are
‘null’ up to 12.
Null means no financial ratios will be calculated.
1-12 indicate the respective month of the year, 1 being January.
This is used by the system as a parameter to facilitate the calculation of
financial ratios in the table EM.FR.CUSTOMER.DETAILS. Please refer to the
Financial Ratios user guide for more details on this functionality.

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SIGNATORIES version

Field Description

Signatory Enter the signatory code of the person authorised to act as a signatory for the Entity, alternatively,
Code/Name enter the name of the signatory.

Document Specify the type of Identification Document the signatory presented. You may select this from the
Type lookup list which is maintained in Administrator Menu>>Maintaining Tables>>ID Type.

Document Enter the Identification or Passport number of the document presented by the signatory.
No.

Expiry Date Enter the expiry date of the document if applicable.

Dates are either entered in the format DDMMMYYYY, such as 12JAN1957, 1JUN1972 (only the first 3
characters of the month name are to be used), or YYYYMMDD, such as 19570112 (12th of January 1957)
or selected from the pop‐up calendar.
Telephone Enter the telephone number of the signatory
No.

The fields above are a set of associated multi-value fields and may be repeated for as many signatories as may
be required. You may want to provide details of the signatories (number to sign, etc.) to transact on an account
in the ‘Signatory’ version in the Account menu.

Mandate Select the application versions for which the customer or account mandate requirements are
Application defined. The Mandate application allows the bank to define the list of application or version name
for which the mandate conditions must be checked. The bank can also define a rule that is
triggered when a transaction is created through the application or version in the mandate record
below.

Please refer to the Mandate Application guide here:

https://docs.temenos.com/docs/Solutions/T24_Transact/Product_Management/AA/Arrangement
_Architecture/Mandates/Configuration.htm#

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Customer

Mandate Specify the Mandate that need to be triggered. This should be a valid record in EB.MANDATE
Record containing information about minimum signatories required for authorization of transaction.
Please refer to the Mandate Application guide here:
https://docs.temenos.com/docs/Solutions/T24_Transact/Product_Management/AA/Arrangement
_Architecture/Mandates/Configuration.htm#

RELATION Version

Field Description

Relation Code Specify whether there is a relationship with another existing customer. The
relationships are captured between ‘real’ customers. Input must be a valid
Relation code and the reverse relationship will be shown automatically on the
REVERS.REL.CODE below as defined in the RELATION table.
Relationships can be maintained in Administrator Menu >> Maintaining Tables
>> Relationship.

Reverse Relation This field is generated automatically by the System according to the values
defined in the RELATION table. It identifies the Relationship code for the
Related Customer.

Relation Customer Select the Customer Code or the Mnemonic of the Related Customer

Relation Delv.Option Part of the ROLE sub-value set. Used on selected CUSTOMER records that are
setup to be 'container' type records which group together a set of clients, such
as a joint customer relationship.
Each of the clients has their own record which can be linked to the container.
This field is used to specify what delivery address is to be used for the linked
customer. Only the first delivery option is used in a sub valued role list.

Role If the customer record belongs to a 'container' type record which groups
together a set of customers, such as a joint customer relationship, select the
role that the customer plays with the customer of the record. Must exist on
EB.ROLE table.

More Role Info When ROLE requires more information (see EB.ROLE table), this field
becomes mandatory. Otherwise, it is optional.

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Customer

Role Notes Additional notes that can be entered about this role

Customer Liability This field allows Customer exposure to be consolidated at the branch or
country level when analysing the risk by the LIMIT Application. It indicates the
Customer consolidation number for credit grouping purposes, within the
same branch/country.

Other Fin Relation Select from the drop down list any connection to any other financial
relationship if the customer has one.

Other Fin Institution The name of the other financial relationship selected on the field above.

FURTHER DETAILS version

Field Description

Customer Since This field holds the date on which individual/corporate becomes the customer
of the institution

Further Details Record any other details that may be relevant.

Auditor’s Name Enter the name of the firm who acts as auditor for the entity.

Auditor’s Phone Enter the contact number of the auditing firm.

Number

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Customer

KYC version

Field Description

Contact Date Specifies the date that first contact was made with the Customer. This field is for information only.
It must be a valid date which is less than or equal to today.

Introducer Identifies the name of the person who introduced the Customer to the bank.
This field is for information only and is restricted to 35 characters.

KYC Indicates the relationship this customer is being held in. The KYC Relationship application is part of
Relationship the Temenos Customer Relationship Module (CRM). More details can be found here.
https://docs.temenos.com/docs/Solutions/Infinity/Legacy/CR/Legacy/CRM/OperationalCRM/Wor
kingWith.htm#

KYC This field is for information only and contains YES or NULL. If set to YES then the information related
Complete to the customer has been collected and verified

Last KYC Enter the date customer KYC information was last reviewed
Review Date

Auto Next Date system has calculated that the customer should next be reviewed
KYC Rev

Manual Next Indicate the next review date, if applicable.

KYC Rev

AML Check This field is used for the institution’s Anti Money Laundering checks. It can be set to YES, SENT or
NULL values. Depending on these values the AML.RESULT field will get updated.

AML Result If the value in AML.CHECK is NULL, then this field will be NULL. If the value in AML.CHECK is SENT,
then the value in this field will be RESULT.AWAITED. And if the value in AML.CHECK is YES, then the
value in this field will be either POSITIVE or NEGATIVE

Last AML This indicates the date when the last Anti Money Laundering result is performed
Result Date

Override Reason for changing the customer's risk class from the calculated risk class. Mandatory, if
Reason CALC.RISK.CLASS is not the same as MANUAL.RISK.CLASS

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Customer

OTHER DETAILS version

Field Description

Branch Name Enter the branch (Company id) of the customer if different from the currently signed in Company.
This field when left blank will be updated with the value of the COMPANY under which the user
is signed in.

Issue Cheque This field denotes whether the customer is eligible for cheque issue facility and if first cheque
book has been issued or not.
Input "No" if the customer is not eligible for the cheque issue facility.
The system automatically changes the value to "YES" once first cheque book is issued to an
account for the customer.
To make cheque facility available to the customer change "NO" to Null.

Bulk Payments Indicate whether the CUSTOMER is allowed to be part of BULK processes. Options are Debit,
Credit or Both. Please refer to the bulk transfers user guide:
https://docs.temenos.com/docs/Solutions/T24_Transact/Framework/FT/Funds_Transfer/Bulk_Tr
ansfers/Configuration.htm#

Savings Some institutions for example Credit Unions are subject to regulatory limits which prohibit their
Balance Limits members from holding deposits in excess of a certain amount (for example €100,000 in savings
across all accounts)
The system can be configured to help the institution to proactively manage member savings
limits, based on a set as a parameter. Please refer to the Maximum Savings Balance user guide for
more details on this functionality.

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Customer

In exceptional cases some members may have agreed balances in excess of the credit union’s
limit. The maximum saving balance for such members can be set on this field.

Savings Where the maximum saving balance has been set differently from the rest of the bank (as
Balance Expiry described above), an expiry date for this exception to the rule may be set.
Date

OD Limit This related to Current Account Services in FI/ACL. Whether or not system wide tolerance limit
Tolerance processing is enabled for the institution is defined in parameter table EB.PARAM record ALL-
TOLERANCE-LIMIT. Please refer to the Current Account Services user guide for more details on this
functionality
Set this field to OFF to disable OD Limit Tolerance processing for this customer.

OD LT Removal Where system wide tolerance limit processing is enabled for overdrafts, select the reason for
Reason disabling OD Limit Tolerance processing for this customer. The current options are:

The list of options can be maintained in EB.LOOKUP record EM.CUS.LI.TOL.REAS

Loans Written Indicate whether loans of this customer had previously been written off by selecting from the
Off lookup table. (For LD loans only)

AA Loans This field is automatically updated by the system the first time a loan is written of for this
Written Off customer. It is used for loan eligibility checking and other reporting purposes

Universal Loan The system displays the total number of loans taken by the customer so far (both group and
Cycle individual loans). The number is incremented by 1 with each loan disbursed to the customer.

Account If the Customer has an account at any other Bank(s), enter the account number.
Number with
Other Bank

Bank/Branch Enter the Bank and/or Branch name in this field.

Sort Code Enter the sort code, this is also used for Direct Debit purposes. This list is maintained in System
Parameters >> Customer >> Customer Tables >> Sort Codes.

Date Account Enter the date on which this account was opened.
Opened

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Customer

Customer Authorisation
Overview
All new Customer records as well as changes made to existing Customers must be authorised by a mandated official,
other than the one who originally captured the details. This is to ensure accuracy and to prevent fraudulent entries.

Access
Customer Menu>> Pending Customer
Customer Services Agent RBHP>>Shortcuts>>Pending Customers

First screen
The system displays a list of all unauthorised Customers.

Procedure
1. Select the record and click on the green checkmark icon.
2. Examine all fields when the record opens.
3. When you are sure that the details are correct click on the Authorise icon.

In a standard implementation, the changes made can be found in a new tab named “Changes” in which the old values
as well as new values are stored.
Note: Remember that you must open each of the versions when authorising a new Customer, as this is the only way
the system knows that you have checked each field.

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Customer

Profile Picture Upload

Access
Customer Menu >> Single Customer View >> Documents

Procedure
1. Navigate to the Uploaded Documents section of the page.
2. Click on the icon to start the process with following screen:
IMAGE CAPTURE version

Field Description

ID This application is used to define and store individual images. The ID is a standard
Transact contract key, i.e., the Application (IM) Julian Date (22217) followed by a
Unique Number (65799)

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Customer

Image Class Defines the type of image to be stored, it is typical to segregate images by criteria
such as Passports, Photos, Signatures and Documents. Image Types can be used to
assist in selection of records in Enquiries as well as the physical distribution of files.
Defines the type of Image to be stored,
To display the photo on the Singe Customer View, please select PROFILEPIC as the
Image Type
SIGNATURE will display on the Overview page with Signatory Details
OR
Any of the remaining items will only display in the List of Uploaded Documents

Image Type Enter the short description to be displayed in the title bar of the image form when
it is presented to the user. It should therefore be a meaningful, concise description
of the image. It could for example be the signature authorities or the details of
whose signature is being displayed.

Description Details of the image is recorded; this is for internal use. It can contain details of the
image or document format, such as the reason the image is held, or any free-format
text.

Txn Reference The contract reference for which the image is being loaded for. For example, as part
of Guarantor management, an image of the document as evidence of the pledge
over the item offered as collateral may be uploaded. The system stores the related
loan ID in this field.

Expiry Date Images / documents uploaded through channels may be verified manually by the
institution and an expiry date set for which the document is valid for. The customer
may not be required to provide the document again during the validity period. For
example, for new loan application.

After populating of all necessary data click on the icon to open the next screen.

Upload the Image

This application takes an Image File from a selected directory (if a valid Image Type), renames it, and places the new
file in the correct storage location.

Field Description

Image ID The record ID of the IM.DOCUMENT.IMAGE record which the file being uploaded
will be linked to.

Upload Image Click on the Camera icon to upload the image.

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Customer

You will be asked to select the image from the folder where the image is stored.

Once the Image is uploaded, the result will be seen in the SCV:

NOTE: It does not matter what size (resolution) the uploaded picture has, as the system always reduces the size to
75 points (dots).

However, the user can click on the icon on the right side of the picture to see the same picture in bigger size
(after 1st click as 120 points and after 2nd click in original size on popup window).

The valid ‘SIGNATURE’ image will be displayed on the popup window with the Signatory’s data as follows:

Users can replace current pictures (PROFILEPIC or SIGNATURE) with updated images.
The recently uploaded (or recently amended) picture of a particular type will be treated as ‘valid’ and will be displayed
on the SCV (previously uploaded pictures will be flagged as ‘old’).

On the list of all uploaded documents (last list on SCV / ) all images uploaded for the customer are
displayed:

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Guarantors
Overview
The guarantor application is used to create new external guarantors (i.e., not customers) that may guarantee loans
of the customers of your institution. For more on the Guarantor management functionality, please refer to the
Guarantor Management User Guide.
A basic validation is carried out by the system when this record is created to ensure that the guarantors do not already
exist in the Customer table. An appropriate message is provided to the user:

Access
General Menu>>Customers>> Guarantors or
All-in-One RBHP>>Customers>>Guarantor

Procedure
To create a new Guarantor record:
1. Select the item from the menu.
2. Click on the ‘new deal’ icon.
3. Capture the details in the fields provided.
4. Commit the record when done.
5. Remember to have the record authorized for it to become available for use.

Fields for entry

Mandatory fields are identified by a red asterisk to the left of the input area and needs to be filled with relevant
data.

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GUARANTOR Version

Field name Description

ID The system generates the record ID, prefixed with a ‘G’ indicating that this is a
Guarantor, followed by a sequential number.

First Name Enter the first name of the guarantor

Surname Enter the last name (surname) of the guarantor

Name The system populates this field with the first name and surname entered in the above
two fields

Initial Enter the initials of the guarantor

Date of Birth Use the calendar or enter the date of birth of the guarantor in the format DD-MMM-
YYYY.
The information captured in the fields up to this point is used to calculate a mnemonic
and this mnemonic (unique identifier) is checked against all customer records
(potential, full, and LIVE records as well as those in IHLD and INAU status

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ID Type Select the ID type from the user-maintainable look-up list

Identification Number Enter the number of the identification document offered by the guarantor

Expiry Date Enter the expiry date of the identification document if applicable

Home Address Enter the residential address of the guarantor in this multi value field

Business Address Enter the business address of the guarantor in this multi value field

Type of Business Select the type of business in which the guarantor is active from the user-maintainable
look-up list

Telephone Contact Capture the telephone number where the guarantor may be contacted

Occupation Capture the occupation of the guarantor. Information here may be used for credit
scoring and eligibility checking

Employer Enter the name of the employer

Employer’s Address Enter the address of the employer in this multi value field

Employer’s Tel. Contact Enter the telephone number of the employer

The AUDIT Version displays audit details such as who was the inputter, who the authoriser, and so forth, which are
not available for entry or editing as they are automatically updated by the system.

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Maintain Customer
Overview
Over the course of the customer’s relationship with the institution, a number of changes occur, and updates required
on the Customer’s Information File. The Amend Customer function is available for this purpose and may be used as
follows.

Amend Customer - Change details for an existing customer.

To change details for an existing Individual Customer, do the following:
1. Click on Customer Menu>>Search Customer or Customer Services Agent RBHP>>Customer.
2. Enter the Customer ID or click on the Drop‐down icon to display the list of Customers to choose from.

3. Click on the icon.

4. The Single Customer View Screen will display as follows.

5. Click on the Amend Customer Link

6. Then click on the Edit Customer icon and make the required changes.
7. Perform the necessary updates on the customer record and have the changes authorised.

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Terminate / Reactivate Membership

It is not possible to delete an authorised Customer record. Therefore, the Terminate Membership function is used by
some institutions (e.g., Credit Unions) to record a member’s termination the relationship with the institution.

Upon Committing the record, the field “Leave date” (MEM.LEAVE.DATE) is automatically updated as shown in
the screenshot below.

Additionally, the following fields are automatically updated in the Customer Information File.

 Customer Classification is updated to code 5 – Resigned.

 Customer Status is updated to code 32 – Closed.
 A Post No Entries posting restriction is applied on the account.
 The field BLOCKED on the Customer Information File is updated to NO. As a result, no new accounts
may be opened for this customer.

Should the member wish to resume the relationship later, the Reactivate Membership function is the used to
indicate this upon resumption.

Customer Classification Changes

Overview
All new Customer records are created with the default status of ‘4’ - Pending Customer. Once the Board has approved
the Customer application, the status of these Customers is to be changed to 1 - Full Customer.
The statement above excludes Juvenile Customers who are assigned the default status of ‘3’ - non‐voting Customer
until their sixteenth birthday when the status is systematically changed to ‘1’ ‐ Full Customer.

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On notification that a Customer is deceased, the status is to be set to 6. (For Community Banking implementation,
remember to change the Insurable and Dividend fields to ‘No’.)

To capture details of the new Customer status, do the following:

1. Click on Customer Information Menu>>Change Individual Customer Status or Change Non‐Individual Customer
Status. The first screen will display.
2. Enter the Customer record number in the ID bar or select the number from the drop‐down list.
3. Click on the Edit icon.
4. Enter the fields as described below.
5. When everything has been completed click on the Commit icon.

Fields for entry

Mandatory fields are identified by an asterisk to the left of the input area and needs to be filled with relevant
data.

Note: All fields except for the Classification and Date Deceased are no-input fields.

Customer Classification Parameters

It is possible to configure the default customer classification assigned on new customer opening. The default setting
was ‘4’ Provisional/Pending Member:

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Access
EB.PARAM>ALL-EM.CUSTOMER.PARAMS
Note: this table controls the functions in the FI/ACL application and only resources with authorisation/ mandate
should have access permissions. All changes need to be done on the UAT environment first and after successful
testing promoted to LIVE. Never apply changes to the EB.PARAM table directly on LIVE.

Options to select from are:

1 – Full Member
2 – Non-Member
3 – Non-Voting Member
4 – Provisional/Pending Member
5 – Resigned
6 – Deceased
7 - Blocked

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Account Officer Changes

Overview
The purpose of this application is to change account officers for a bulk group of customers. All Customer, Account,
Contacts and Arrangements are updated with the new Account Officer details on authorisation. Please refer to the
Account Officer Transfer user guide for detailed information.

Access
Home >>Officer >> Change Account Officer

Functions
This menu option allows you to change the Account Officer for:
 The entire portfolio of one Account Officer
 Selected Customers
 An entire Group

Procedure
To capture details for the Account Officer Transfer, do the following:
1. Click on Home >>Officer >> Change Account Officer. The first screen will display.
2. Click on the Next Deal icon. The system allocates the next sequential number.
3. Enter all the fields as described below.
4. When everything has been completed click on the Commit Icon.

Fields for entry

Mandatory fields are identified by an asterisk to the left of the input area and needs to be filled with relevant
data.

CHANGE ACCOUNT OFFICER Version

Field Description

Action Select whether you wish to transfer the entire portfolio of an Account Officer,
selected Customer/s, or an entire Group.

Groups/Customers Enter the IDs of the Customer and/or Group records to be updated with the new
Account Officer. This is a multi-value field.

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Current Officer The system displays the current Account Officer details in this no-input field.

New officer Select the ID of the new Account Officer from the lookup list, maintained in System
Parameters >> General >>Account Officers.

Reason change When performing an Account Officer change, select the reason for the change. The
list of reasons may be maintained in EB.LOOKUP record EM.DAO.REASON.CHANGE.

The AUDIT Version displays audit details such as who was the inputter, who the authoriser, and so forth, which are
not available for entry or editing as they are automatically updated by the system.

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Account Officer Change Authorization

Overview
The transfer of the Customer/Group records to a new Account Officer needs to be authorised for the change to come
into effect.

Access
Home >>Officer >> Pending Account Officer Changes

First screen
The system displays a list of all unauthorised records.

Procedure
1. Select the record and click on the green checkmark icon.
2. Examine all fields.
3. When you are sure that the details are correct click on the Authorise icon.

View Account Officer Changes

Overview
This list displays details of all Customers/Groups where the Account Officer had been changed.

Access
Home >> Officers >> History

Screen
A screen like the one displayed below is shown, allowing you to filter the records for on‐screen enquiry or report.

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When the enquiry displays, it will appear like the screen shown below.

View details by clicking on the icon:

View the Exception Report by clicking on the icon:

Any reason/s for the transfer failing will be reported under the Error Info section of the screen.
This screen displays the Enquiry Toolbox allowing you to perform the functions such as print and save in a variety of
formats.

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Customer Enquiries

Customer Listing
Overview
This menu option displays the name and address details of all Customers.

Access
Customer >> Customer Enquiries>>Customer Listing

Procedure
1. Select the menu option.
2. Enter the select criteria and click on the Find icon.

Screen
A screen like the one displayed below is shown, allowing you to filter the records for on‐screen enquiry or report.

3. View the resulting enquiry on‐screen and click on the to access the Single Customer View

When the enquiry displays, it will appear like the screen shown below.

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This screen displays the Enquiry Toolbox allowing you to perform the functions such as print and save in a variety of
formats.

Related Customers
Personal (family) and business (non-family) relationships are displayed on the Single Customer View:

Access
Customer Menu >> Search Customer >> Personal Details
Customer Services Agent RBHP >>Search Customer >> Personal Details

Note: The record ALL-EM.FAMILY.MEMB in the table EB.PARAM controls the type of relationships to be displayed in
this enquiry.
The information is grouped into Personal relationships followed by Business relationships.

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History of Changes
This enquiry displays the all the recorded changes made to the Customer Information File. This enquiry may be used
by the Internal Auditing Officers to monitor amendments to existing Customer records.

Access
Customer Menu>> Details >> History of Changes

Procedure
On clicking the History of Changes link, a screen like the one displayed below is shown, listing all the changes made
on the customer records, including the changes inputter and

Customer Portfolio View

Overview
This report provides details of all the accounts for a selected customer.

Access
Customer Menu >> Search Customer >> Customer Portfolio
Customer Services Agent RBHP >>Search Customer >> Customer Portfolio Summary

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When the enquiry displays, it will appear like the screen shown below.

This screen displays the Enquiry Toolbox allowing you to perform the functions such as print and save in a variety of
formats.
By selecting the option against a selected account, you are able to view the Loan Schedule, Account Details and/or
Account Statement as can be seen below:
The account statement allows you to further drill down into the options as can be seen in the image above.

Drill down on the transaction:

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The image below are the account details:

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Officer Listing
Overview
This menu option displays the details of account officers and the portfolio they hold in the institution.

Access
All in One RBHP >> Home >>Officer

When the enquiry displays, click on the Find icon against an Account Officer to display the records. It will appear like
the screen shown below.

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Notes
Use this page to record your own notes.

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