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Preparing for MISER 2013 Releases

Preparing for MISER 2013 Releases. Lenn Freeman, MISER Product Manager Jackie Roberts, MISER Product Manager. Release 2013.1 and Release 2013.2. Improve Client Service Operational Efficiency Revenue Generation Improve User Experience Internal Policy Control Regulatory.

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Preparing for MISER 2013 Releases

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  1. Preparing for MISER 2013 Releases Lenn Freeman, MISER Product Manager Jackie Roberts, MISER Product Manager

  2. Release 2013.1 and Release 2013.2 • Improve Client Service • Operational Efficiency • Revenue Generation • Improve User Experience • Internal Policy Control • Regulatory

  3. IMPROVE CLIENT SERVICE

  4. IMPROVE CLIENT SERVICE • MISERStudio Virtual Sales Desk • New Client Add • New Account Opening • Email Account Acknowledgement • Electronic Signature Capture Benefits: Secure Real-time Access to MISER Serve client on the go at their location Modular offering Role-based solutions

  5. IMPROVE CLIENT SERVICE eBanking • New Inquiry - View of Posted and Pending ACH items • Inquiry transaction options: • Date Range for Posted, Received or Release Dates • Posting Type – Posted, Pending, List of Items • Inquiry will display: • Application and Account Number • Posting Date • Release Date • Received Date • Reject Reason (if rejected) • ACH Transaction Code • Transaction Amount • Name • Company ID • Not available for MISER ACH Solutions or MKE ACH Customers Benefit: Reduces calls to call center by expanding self-service CER

  6. IMPROVE CLIENT SERVICE eBanking CER • Suppress Restricted Line of Credit Balances on eChannel • Will no longer provide line of credit balance if account is restricted • NL-LOCK-FLAG 1-6 • NL-MAT-ADV-CTRL = 0 • NL-DT-MAT < Current Date or • NL-STOP-DRAW-DT < Current Date • Transactions changed in eBanking (VBTP) • CFCUS/CFCS2 - Customer/Member Profile Inquiry • MSCRQ (Check Request) – Check Request • NLAR2 – Line of Credit General Inquiry • NLHIS – Line of Credit History • NLARA – Line of Credit History • 1-Step Transfer – X2$ One step transfer Benefit: Reduced customer/member confusion when accessing account balances through eChannels

  7. IMPROVE CLIENT SERVICE ATM and Debit Processing • Merchant Name Display • Provide clear and understandable information on all POS transactions • Storage of merchant name when received from switch or location of transaction if merchant name is not provided in transaction • Information stored in the first 25 characters of the description • Available for Checking, Savings and Line of Credit • MISER history displays will be modified to present merchant name • Exclusions: • No modification to transactions prior to installation of Release 2013.1 • Transactions posted for offline ATM institutions • Postings through batch files Benefit: More complete information provided resulting in less confusion and calls

  8. IMPROVE CLIENT SERVICE ATM and Debit Processing • Expand integration with EFT Milwaukee • This project continues our efforts to provide best in class integration to FIS products • Expanded services to include: • VRU card activation • PIN change at ATM • Cash deposit indicators and storage • Foreign Notification • Expanded message formats

  9. IMPROVE CLIENT SERVICE EFT UPDATE – EXPAND BASE2000 CREDIT CARD INTEGRATION • Continued improvements to the BASE2000/MISER integration provides more consistent end-client experience reducing call center and client services • Expansion of name and address sent to BASE2000 (30 characters) • Prevention of cash advances through internet channel if card is not active • Apply PCI compliance to Credit Card Numbers • Apply MISER transaction level security • Prohibit addresses more than 30 characters in length for BASE2000 institutions • Card activation via branch channel • Support of the June 2013 NCUA delinquency reporting change (12-CU-12) Benefits: Better management of addressing resulting in fewer returned cards Improved security for card holders through PCI and transaction level security Improved delinquency management by presenting delinquency in days vs. months

  10. IMPROVE CLIENT SERVICE Communication Management • Combination Structure Housing both eAlerts and eDelivery Accountholder Decisions • Customer/Member subscription information stored on MISER for easy research and client service • Standard alerts with automatic enrollment • Real-time alert processing for balance changes, check alerts and more • 27 predefined alerts available • Alerts managed by FIS Enterprise Alert System • eDelivery managed by FOS or others • E-mail limit • AP-MAX-E-MAIL • Limit on number of usable e-mails allowed for alerts and delivery CER

  11. IMPROVE CLIENT SERVICE eAlerts – Real –Time Processing • 27 Alerts available • Parameters related to Alerts • AP-AFFIL-ALERTS • AP-AUTO-ALERTS • Necessary to determine whether alerts not requiring a subscription are automatically generated • AP-ALERT-PGN • Populated with MISER Institution ID (e.g. FL99) • MISER uses this field in conjunction with the institution number to create a unique identification on EAS • AP-ALERT-PGN & AP-ASSN-NBR (i.e. FL99001 FL99002) Benefit: Ability to provide real-time balance and check clearing alerts; additional alert options

  12. ALERT MESSAGE SAMPLE – PHONE NUMBER CHANGE

  13. ALERT MESSAGE SAMPLE – HIGH BALANCE ALERT

  14. INSTITUTION LEVEL CONTROL FILE

  15. CONTROL FILE SAMPLE TABLE(SOME FIELDS NOT LISTED)

  16. CONTROL FILE SAMPLE TABLE(SOME FIELDS NOT LISTED) • Client is enrolled in alerts because there is an e-mail address • Changes to e-mail address will send automatically: mandatory alert • Client subscribes to the following alerts: • Daily Available Balance request to e-mail 1 at 5:00 am and cell phone at 9:00 am. • Low Balance alert to cell phone • Statements to be e-delivered to email 1 • Paid and Returned Exceptions (All channels) to e-mail 1 and cell phone.

  17. CONTROL / SUBSCRIPTION SAMPLE TABLE(SOME FIELDS NOT LISTED) ID: 100 CFM Account APPL Account EM1: Y EM2: N SMS: Y ID: 101 CFM Account APPL Account EM1: N EM2: N SMS: Y No subscription record for ID 020: Mandatory alert ID: 200 CFM Account APPL Account EM1: N EM2: Y SMS: N ID: 001 CFM Account APPL Account EM1: Y EM2: N SMS: Y

  18. ACCOUNT LEVEL FIELDS • Fields defined by application • Client may opt out, or be forced out of enrollment • Enrollment and subscription fields for Client level • Include Alerts and Delivery • Records enrollment and cancellation dates • Subscription fields for monetary applications • Include Alerts and Delivery • Subscription for Plans • Include delivery only • Subscription for Cards • Includes alerts only • External Relationships • Fields exist, but not currently implemented

  19. Client and spouse want to get a daily balance alert to all three emails and two cell phones. • Checking Account 555 • Client JTO • Spouse JTO • Loan Account 444 • Client JTA • Spouse JTA • Savings 333 • Client SOL • Certificate 222 • Spouse SOL • Client 0001 • Email Record (CFMEM) first.last@web.com • F.Last@work.com • Cell (321) 123-4567 • Spouse 0002 • Email Record (CFMEM) firstmiddle@net.com • Cell (321) 123-4589

  20. DAILY BALANCE ALERT CONFIGURATION Client CFM: 1 Appl 10 Number 555 Spouse CFM: 2 CFM-CELL-PHONE 321) 123-4567 CFM-CELL-PHONE 321) 123-4589 SMS SMS EM1 CFMEM Sequence 01 (EM1) firstmiddle@net.com CFMEM Sequence 01 (EM1) first.last@web.com EM1 EM2 CFMEM Sequence 02 (EM2) F.Last@work.com Daily Balance ID: 100 EXT ID: 8000 CFM 00000002 AP/Acct 10 00000555 Daily Balance ID: 100 EXT ID: 8000 CFM 00000001 AP/Acct 10 00000555

  21. Email Address Configuration CFMEM-EMAIL-ADDR (1) first.last@web.com CFM-SEQ (7) 01 (Email sequence 1) CFMEM-ASSN-NBR 001 CFMEM-APPL-CODE 30 (CFM) CFMEM-ACCT-NBR 0000000001 CFMEM-DT-LAST-FM 01/01/2012 CFMEM-MISC-CODE (2) User Defined Field CFMEM-MISC-DATE (3) User Defined Field CFMEM-FAILURE-CNT Number of times this e-mail had invalid address return If this field is greater or equal to control, then subscriptions tied to this e-mail address will be printed instead. CFMEM-FAIL-DATE Date of receipt of the most recent invalid address return Client CFM: 1 Appl 10 Number 555 Spouse CFM: 2 De-implemented: Status Use-Code Msg-Format CFM-CELL-PHONE 321) 123-4567 CFM-CELL-PHONE 321) 123-4589 SMS SMS EM1 CFMEM Sequence 01 (EM1) firstmiddle@net.com CFMEM Sequence 01 (EM1) first.last@web.com EM1 EM2 CFMEM Sequence 03 (EM2) F.Last@work.com Daily Balance ID: 001 EXT ID: 8000 CFM 00000002 AP/Acct 10 00000555 Daily Balance ID: 001 EXT ID: 8000 CFM 00000001 AP/Acct 10 00000555

  22. DAILY BALANCE ALERT SUBSCRIPTION SAMPLE CSM-ASSN-NBR 001 CSM-APPL-CODE 10 CSM-ACCT-NBR 555 CSM-COMM-ID 001 CSM-EXTERNAL-ID 8000 (System updated – no updates by user) CSM-CIF 1 CSM-LAST-FM 01/01/2012 CSM-SUBSCR-DT 01/01/2012 CSM-CANCEL-DT 00/00/0000 CSM-EM1 Y(es) CSM-EM2 Y(es) CSM-CELL Y(es) CSM-PRINT 0 (no) CSM-AMOUNT Dollars/cents for minimum, high and low thresholds CSM-DAYS Number of days in advance: used with payments due/maturity Client CFM: 1 Appl 10 Number 555 Spouse CFM: 2 CFM-CELL-PHONE 321) 123-4567 CFM-CELL-PHONE 321) 123-4589 SMS SMS EM1 CFMEM Sequence 01 (EM1) firstmiddle@net.com CFMEM Sequence 01 (EM1) first.last@web.com EM1 EM2 CFMEM Sequence 03 (EM2) F.Last@work.com Daily Balance ID: 001 EXT ID: 8000 CFM 00000002 AP/Acct 10 00000555 Daily Balance ID: 001 EXT ID: 8000 CFM 00000001 AP/Acct 10 00000555

  23. COMMUNICATION MANAGEMENT - eDELIVERY • Parameters related to e-Delivery • AP-AFFIL-ALERTS • AP-DELIVERY-FAIL • Number of delivery attempts to a specified address allowed. Once exceeded, subscriptions revert to print. • Parameters • PSV-DELIVERY-DFLT • PCD-DELIVERY-DFLT • PND-DELIVERY-DFLT • PNL-DELIVERY-DFLT • PLN-DELIVERY-DFLT • Allow for Green Account automatic e-delivery for all documents • 0 – Paper Delivery • 1 – Electronic Delivery

  24. COMMUNICATION MANAGEMENT - eDELIVERY CUSTOMER/MEMBER FACING DOCUMENTS IN 2013.1 – 39 PROGRAMS/DOCUMENTS

  25. COMMUNICATION MANAGEMENT - eDELIVERY CUSTOMER/MEMBER FACING DOCUMENTS IN 2013.1 – 39 PROGRAMS/DOCUMENTS

  26. COMMUNICATION MANAGEMENT - eDELIVERY Customer/Member Facing Documents in 2013.1 – 39 Programs/Documents

  27. Communication Management - eDelivery CUSTOMER/MEMBER FACING DOCUMENTS IN 2013.2 – 10 PROGRAMS/DOCUMENTS

  28. IMPROVE CLIENT SERVICE ADDITIONAL FEATURES • Ability to see 24 x 7 pending transactions via teller platform • Available to ATMMISERNet institutions only • Additional feature to Pending Transaction Feature provided in 2012 • New transaction allows client support (teller) to: • View detail Electronic Banking transaction activity during nightly processing • Savings, Checking, Line of Credit and Loan application history will be available Benefit: Provides means to research cardholder questions if ATMMISERNet is not online

  29. IMPROVE CLIENT SERVICE HSM SUPPORT – MISER BA AND MISER DESKTOP • Charlotte Service Bureau (Late 2013) • Support ATM/Debit Card PIN changes via DeskTop • Support card swipe and PIN verification for client record inquiries • Licensed service • In-House Customers • Support ATM/Debit Card PIN changes via DeskTop • Support card swipe and PIN verification for client record inquiries • Requires HSM Device at institution site Benefit: Provides ability for customer/member to change PIN

  30. IMPROVE OPERATIONAL EFFICIENCY

  31. IMPROVE OPERATIONAL EFFICIENCY BUSINESS INTELLIGENCE • Mailing Label Capability • Creates two new sample reports listing client name(s) and current mailing address which can be used in the creation of mailing labels.  • One report will select all open, non-corporation accounts with a balance greater than or equal to a user specified balance • One report that will select all open accounts with a balance greater than or equal to a user specified balance which may include the joint clients’ name. • Access to ATM Datasets via MISER Business Intelligence • New report that will select all ATM/Debit cards that have a checking account tied to the card, based on the user specified card status, user specified card and list all checking accounts linked to the card. • New report that will select ATM transactions based on a posting date range. CER CER

  32. IMPROVE OPERATIONAL EFFICIENCY MISER DESKTOP – MISER BA • Perform Search if the ‘Add’ button is selected without a search within MISER BA • Avoid duplicate records by keeping the integrity of the RCIF system Benefit: Maintains the integrity of a single RCIF record per client • Add FRB Calculator to new transactions within MISER BA • The FRB Calculator will now be available on the Exchange Check and Money Order Sold transactions. CER

  33. IMPROVE OPERATIONAL EFFICIENCY MISER DESKTOP – MISER BA • Workflow Authoring Toolkit • MISER Branch Automation now supports workflow with: • Transaction linking • Data Conditions

  34. IMPROVE OPERATIONAL EFFICIENCY FIS CONNECTIONS INTEGRATION – PHASE 1 • Alternative to MISER SAM for Branch Automation • Provides increased flexibility and features using FIS Connections • Available as part of the 2012.2 release • Pilot to begin after MUG • Released with new user-interface for MISER Branch Automation in Release 2013.1 • Features Include: • Making Referrals • Acting on Recommendations • New Customer/Members Recommendations • New customers/members are sent to Connections in real-time • Allows any new customer/member campaigns to be returned Benefits: Increased ability to provide referrals and recommendations, improved reporting and management

  35. CONNECTIONS – RECOMMENDATIONS

  36. PRODUCT RECOMMENDATION

  37. PROSPECT AFTER REFERRAL

  38. COMPLETED REFERRAL

  39. PROSPECT – AFTER REFERRAL

  40. ACCESSING REPORTING

  41. EMPLOYEE PERFORMANCE REPORT

  42. MISER DESKTOP INTEGRATION EXAMPLES

  43. MISER DESKTOP RECOMMENDATIONS

  44. MISER DESKTOP PROFITABILITY

  45. IMPROVE OPERATIONAL EFFICIENCY EFT UPDATE • Improved Corporate Debit Card Management (EFT) • Provides consistency between personal and corporate debit card embossing • Corporate names will now be on Embossed Name 1 • Employee names will now be on Embossed Name 2 • Élan To-Host Maintenance • Hot carding performed on the Élan card platform will be sent to MISER • Updated device driver to accept “To-Host” maintenance transaction • Eliminates redundant entry of hot carding • Ability To Purge Unused Card Class • Eliminate teller/platform confusion and errors by removing unused card classes • Requires no cards be attached to the card class

  46. IMPROVE OPERATIONAL EFFICIENCY MISER LENDING - Multiple Participations Teaser Rate Support • Supporting participated commercial loans an initial yield reflecting the “teaser” rate through fixed yield • Reduces overhead to manage off-MISER • Single source for MP participation reporting and remittance • Initial fixed yield supporting teaser rate • Variable rate periods supported • Set Up Transactions Include Yield Set Up

  47. IMPROVE OPERATIONAL EFFICIENCY MISER LENDING – MULTIPLE PARTICIPATIONS TEASER RATE SUPPORT

  48. IMPROVE OPERATIONAL EFFICIENCY MISER LENDING – DELINQUENCY SPECIAL PROCESSING FOR LINES OF CREDIT • Provides ability to manage all delinquent loan types in a single manner • Duplicates loan DSP feature • Maintenance and flags defined by specific set of parameters by delinquency type • Allow for same PDLQ- set to function for both loans and NL • Added parameter (PDLQ-NLFLG-CTL{1-40}) – setting of NL lock and other flags • Some PDLQ- parameters will only be applicable for specific application • Added new NL- fields from tracking delinquency category • NL-DELQ-CAT • NL-DELQ-CAT-DT • NL-DELQ-CAT-CTR • NL-DELQ-CAT-TYPE Benefit: Reduces training and special instructions based on type of lending product

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