These patterns are prepopulated for every credit union library as a jumping off point. You do not need to configure each pattern. Patterns should be built for specific use cases or to put additional controls on areas of need. Keep in mind patterns are not configured to your credit unions data based on the prepopulated pattern data.

The following types of transaction patterns can be created: Velocity: Looks for a ramp up in member activity based on a velocity threshold. Idle: Evaluates members that have had activity where no activity has previously been identified for a configurable number of days. Out of the ordinary: This evaluates if the member has a percent or amount increase compared to prior activity.

Audit Link has many ways to learn about Abnormal Activity Monitoring Tools. Follow the links below.

As of the 24.10 Release, you can configure the system to calculate the average daily transaction amount based on either the number of days in the period or the number of transactions in the period. For example , let’s say we set a 30-day period, and a member submits RDC checks for $300, $400, and $500 every month, adding up to a total of $1200 worth of RDC transactions per period. Using the # of days calculation option, the system would divide the $1200 total by 30 days (the configured p  More...

To configure abnormal activity monitoring patterns or groups via Tool #101 Abnormal Activity Monitoring Config , you will first need to determine your credit union's thresholds for normal and abnormal activity. You may start from scratch or base patterns on previous cases of fraud. Basing Patterns on Past Fraud You can reverse engineer patterns based on fraud you’ve experienced in the past. Configure the pattern to monitor the same type of transaction and base the threshold numbers aro  More...

Always configure your stop-no-go patterns using thresholds that signify abnormal activity for your membership base. Research typical member activity within different membership groups to base your thresholds on. When configuring a velocity threshold for a stop-no-go pattern, AuditLink recommends configuring the threshold for a high number of transactions of a lower amount. Be sure your pattern criteria are reasonable prior to activating the monitoring pattern. When you select to activate your AC  More...

Tool # 518 Members Reg. E Opted In/Out/Undecided is a canned Query that will split your membership by those opted In, then opted out, and finally those undecided. Any maintenance performed on the new Opt In/Opt Out flags that are within the membership and sub accounts write out to file MASTRL in FILExx, which can be queried to monitor for activity. We suggest monitoring this daily. Select Records of MTANROPT (Reg E Opt In/Out Flag) equal to ‘I’, and MTANROPTDT (Reg E Opt In/Out E  More...

When one of these options are selected, only those transaction types will be monitored by the pattern you are configuring. You may select only one of these checkboxes (e.g., you may not select to include only shared branch transactions and only RDC transactions). When one of these options is selected, also cannot select a specific due diligence code. This is because P2P, RDC, and shared branching do not have individual origin codes. We are looking for specific text chains within the transaction   More...

When you use the filter buttons on the File Maintenance Inquiry dashboard (Tool #159: Audit File Maintenance Inquiry (CUFMNT)), indicators note which programs, fields/columns, and files/tables AuditLink has flagged as “critical” for auditing teams to monitor on a daily basis. You can quickly sort by that indicator and select only those items for a quick scan of maintenance that directly affects member accounts. Below is a listing of these critical items. Columns/Fields Field Why   More...

The fields are related to Process Codes, in that they are derived from the code attached to the message received from the card processor (vendor, or switch). The Type you see in the initial Type column of the Activity screen relates directly to the Transaction Description when you view additional transaction details. Transaction types may not apply to all vendors. Examples of these labels are as follows: DEP (Deposit Transactions) ATM/DEP A deposit made at an ATM. ATM/DEP - including a $ sym  More...

The Process Code or PROC CODE on this screen refers to which accounts CBX is going to look at to see if we can authorize the transaction or which account we are going to process against when the vendor is sending a completion. It is a 6 digit field and is broken down into 3 sections to determine how CBX should process the transaction. First is an explanation of how this 6 digit code is broken down and what each segment refers to: OO FF TT in this example the first two digits would be the   More...

No, you do not have to automatically activate OLB or ARU for new memberships. Actually, you can default all new memberships to deactivate online banking and/or audio response access until the member specifically requests it. This is highly recommended as it helps to protect members who join the credit union but never get around to using your online tools right away. These accounts may be your most vulnerable since the member hasn't set up a private password or security questions. By deact  More...

We call this process “Roving Teller.” First give the teller access to the appropriate vaults in their employee profile (see below). Then when the teller activates his or her drawer via Tool #1 Teller Line Posting , the appropriate vault for the branch where the teller is working will be selected automatically. ( Tool #1600 Xpress Teller will do the same thing, but activation is done behind the scenes automatically.) NOTE: If the teller activates their drawer through Tool #33 Tel  More...

Yes! As a companion to your dormancy monitoring, you can now monitor stale or expired online banking passwords using the new report generated via Tool #161 Audit Disabled/Inactive PIN/PWs Rpt . This report lets you specify a range of “last login dates” (for example, to include members who last logged in more than 90 days ago) and see a list showing the member’s name and phone number and the number of days since they were last logged in. If your credit union does not take adv  More...

Online banking is activated via Tool #14 Member Personal Banker and select the Online banking/ARU (activate, change PIN/password; view password history) option. Audio Banking is activated via Tool #1072 Update Audio Banking Access (ARUPIN)

There are two steps: Choose Which Activity is Tracked Modify your NSF Configuration ( Tool #558 NSF/OD Transfer Configuration , then #1) to indicate which origin codes will be counted in the fee totals. For example, you might need to report only fees that relate to share draft postings but not include ACH or bill payment activity, based on your interpretation of the reg. as it applies to your situation. Change Statement Print Configuration Contact a Client Service Representative and request th  More...

For online credit unions, contact a Client Service Representative or complete the It's Me 247 Configuration Change Request Form (see the link below; requires Microsoft Word) to activate this flag. For self processors, this is done using OPER Tool #5356 Online Banking Configuration and OPER Tool #5511 Audio Response Configuration . IMPORTANT: If you have already activated PIB and your members have a PIB profile, remember that the ability to view ACH records is controlled by the member&#  More...

Message Types are utilized by CU*BASE to determine what action is to be taken for this transaction. The original message type is the incoming message received by CU*BASE from your vendor. Depending on the Message Type received by CU*BASE, the system could perform any of the following type of transactions (this is not an all inclusive listing): Balance Inquiry Request for Authorization of Transaction Advice of Authorization (Vendor/VISA/MC approved) Transfer of Funds Request Reversal of Transac  More...

The Teller Activity Report (Tool #848) uses multiple files. The main files are: TEAUDT1 - contains current-day teller transactions TEAUTR - contains prior-day teller transactions In short, these are all of the transactions that have audit keys attached to them: cash withdrawals, deposits, miscellaneous receipts, checks, and in-house drafts.

Three reports can be used to monitor your AFTs. The Member Automatic Account Transaction Record (TAT1) report includes a detailed listing of automatic transfers that posted. The Member Automatic Account Transfer Notification Report (TAT2) show automatic transfers that did not post. The Member Automatic Account Notification Register (TAT3) lists transfers to 360 accounts that were “out of the ordinary” such as members who are making principal-only payments or additional payments. L  More...

Online credit unions must contact a Client Service Representative to change the setting of this flag. Self processors can change it in CU Master Parameters (OPER > 10 > 1). This flag is at the credit union level, meaning it will affect all users.

Beginning with the 16.10 release you can schedule recurring AFTs with accounts that are not on CU*BASE. This includes accounts that are set up with the CU*BASE Account to Account (A2A) feature and the CU*BASE “Off Trial Balance” (OTB) feature. AFTs with these accounts are reported in separate reports. Use the TATA2A1 and TATA2A2 reports to monitor AFT transactions to and from A2A accounts. Use the TATOTB1 and TATOTB2 reports to monitor AFT transactions to OTB accounts. Learn more  More...

When a member goes through the Pay My Bills option in online banking and accepts the CU*Answers Terms and Conditions Agreement, they are actively enrolled on the CU*BASE core processing system. The member is prompted to continue with the enrollment and iPay also delivers and Terms and Conditions Agreement that needs to be accepted, which creates the member as a subscriber in iPay. If the member does not accept the iPay Terms and Conditions agreement, iPay does not create a subscriber for this me  More...

To activate eAlerts for your members, check the flag on the second screen of Tool #569 Online/Mobile/Text Banking VMS Config. e-alerts ealert ealerts

Tools for Tracking Teller Drawer Balances Within the Trends section of Analytics Booth , there is a Powerline for Teller Cash Total. This Powerline is designed to provide credit unions with a daily total of all teller cash as of EOD. Credit union executives and data analysts can review this data to determine if the amount of cash on hand at EOD is increasing or decreasing. The Teller Drawer Control/Inquiry (Tool #33) will allow you to access each teller drawer individually to verify cash/den  More...