When one of these options are selected, only those transaction types will appear in the results dashboard. 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, you cannot also select specific origin codes to monitor. Shared Branch Transactions : The pattern will monitor only shared branch transactions. RDC Transactions : The pattern will monitor only RDC transactions. P2  More...

The following types of patterns can be created: Velocity : This evaluates if the member has an unusual amount of transactions that fall within the criteria configured. Idle : This evaluates if the member has an unusual flurry of activity (either based on # of transactions, transaction type, or transaction amount) following a period of inactivity. Out of the ordinary : This evaluates if the member has a percent or amount increase compared to a prior activity.

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...

The configuration ( Tool #101: Abnormal Activity Monitoring Config ) allows you to run a test of a pattern that you have configured. In this manner, you can see the results without running all the patterns in the monitoring side ( Tool #537: Monitor Abnormal Transaction Activity ). In this test mode, you have a limited number of buttons, but you can print the results. AuditLink is currently offering monthly webinars about the Abnormal Activity Tool. Watch for future communications.

It is recommended that you make the same rules for both individual and organizational accounts when you make velocity patterns, out of the ordinary patterns, and idle patterns.

These patterns are provided by AudlitLink. They recommend you follow proper governance change process when making changes to these patterns.

It is recommended that you monitor a smaller set of transactions when creating patterns.

It is not recommended that you include both an amount and a percent in out-of-the-ordinary patterns since they are AND qualifiers. It would be rare for a member to match both criteria at the same time.

The General Printer ID that is specified in Tool #326 CU Hardware Configuration does not control where screenshots are printed. The screen shot configuration needs to be changed on the virtual workstation device. Contact the network help desk for assistance. There should be 3 sessions per workstation (G0, G1, and G2). The screen shot printer can be modified here.

It is recommended that you use this qualifier to limit the number of false positives you receive in your results.

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

If the configuration has a rate of 0.000, Audio Banking will not read any message for that rate, even if one was originally recorded. For example, say you have requested a message to be recorded for item #9 on the configuration, but then you forget to go in and actually enter the rate into your configuration, or you accidentally delete the rate later. That recording will never be read to the member. Once you go in and enter a rate in position 9, then message #9 will be read along with that ra  More...

ISA (Foreign Conversion) Fees have two different calculations based on whether the transaction being processed is being done in US funds ('no conv' as displayed on BIN configuration screen) or will require a conversion from the 'foreign' country's currency to US funds (w/conv as displayed on BIN configuration screen) for processing. The way it is determined which fee should be calculated is within the 'transaction' message that your vendor sends to CU*BASE for process  More...

The answer depends on the payment period window, which runs from due date to due date (not calendar month). This is best illustrated by an example: A member has a loan with a monthly payment due date of July 25. A payment is made on June 30, advancing the due date to August 25. If another full payment is then made before July 25, the due date will not advance, because the loan is still within that same payment period window. If a full payment is made after July 25 (even if it's still in  More...

There are two primary reasons we charge this fee: Our belief that we should do our best to keep our fees down when credit unions do not earn. This is why, for example, It's Me 247 mobile web is offered free to our credit unions. It's also behind our constant pressure to reduce fees where CUs have no basis or belief they can charge for a defensive, relationship service. Charging for these services in this manner fund other areas where the direct expenses cannot easily be identified wi  More...

This flag governs the amount of payment required to advance the due date one frequency. If a CU sets this flag to Yes, only the scheduled payment is necessary to advance the due date. If a CU sets this flag to No, the scheduled payment and the amount of the fine will be necessary to advance the next due date one frequency.

If the member is delinquent (even by one day), the member is then in the next payment cycle (due date to due date). Therefore, if the member pays the regular payment amount, the loan will advance the date by one period, or by two periods if the amount of the delinquent payment is double the regular payment that is scheduled . For example, John Doe has a Overdraft Protection LOC account that is configured as single payment per period. At the end of September John is due for October 4. John does   More...

The following applies only to CUs that do NOT use the Text-To-Speech (TTS) engine for CU*Talk Audio Response. In order to read a rate message to a member in CU*Talk Audio Response, the system must find both a recorded message for that position and a rate greater than 0.000 on the corresponding position in your configuration (Tool #882 Update ARU Interest Rates ). For example, message #1 and rate #1 must both exist in order to read the rate message to the member. Remember that in order for mes  More...

Always use the Last Name (LNAME) field. This applies to all accounts. For example, Organizational, Trust, or MO accounts always use what is entered in the Last Name (LNAME) field. The Name ID field is not used.

Use of the Force Monthly Statement' option on the member's MASTER record will allow for member to receive a monthly statement instead of the quarterly/annual statement they may qualify for based on your overall statement configuration settings. Remember that this is intended to be used only in rare occasions where there are exceptions to your rules. If you find that your staff is setting this flag on frequently, you might need to (a) revisit your general configuration settings or (b)   More...

Tool #569 Online/Mobile/Text Banking VMS Config > Online Banking Password and Security Settings includes a setting labeled Expire stale passwords after xxx days of non-use . This means if a member does not log in within that period of time, they must answer all of their security questions in order to reactivate or change their password, before they can log in. The maximum allowed is 90 days, so a value 6 or 12 months is not currently allowed. Remember that this process expires the passwo  More...

A single co-borrower name will automatically appear (if applicable) in the Account Information section of the mortgage statement. The co-borrower name is pulled from the Additional Signers (ADSL) table using the record with the lowest sequence number. Note: Only one name and address displays in the name/address section at the top of the statement.

The non-business days configuration, which includes Federal holidays, is used only when calculating the release dates on check holds placed at the teller line or elsewhere. It is not related to 7-day processing. NOTE: Holds are released according to the release date on the individual Uncollected Funds record, regardless of whether daily processing is run on Sunday or not. If an Uncollected Funds record has a release date that falls on a Sunday, the hold is released on Sunday. This will work t  More...

The transaction description is pulling in from the account suffix description and then uses the origin code and origin type to determine if it was a payment (i.e. ACH or AFT). Those are combined to create the transaction description that appears in the member's history. For example, if your loan product is 360 MORTGAGE and a payment is made, the transaction description might be 360 MORTG PAYMENT. You can use Tool #105 Account Suffix Configuration, choose a suffix and update the trans  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...