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  • 1. What columns/fields, files/tables, and programs are included in the File Maintenance Inquiry "Critical Monitoring?" Public
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    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...
  • 2. Can I monitor online banking passwords that have expired due to non-use? Public
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    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 a  More...
  • 3. I have to print notices for members that have Opted In as part of Reg. E. How can I monitor our member’s activation through It’s Me 247 to know who to send notices to? Public
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    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  More...
  • 4. What reports can I use to monitor my Automated Funds Transfers (AFTs)? Public
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    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...
  • 5. I have dual monitors, and for some reason my CU*BASE GOLD screen has disappeared off the edge so you can't see it from either monitor. What do I do to get it back? Public
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    In Windows 10, 8, 7, and Vista, hold down the “Shift” key while right-clicking the item in the taskbar, then select “Move Use your mouse or the arrow keys on your keyboard to move the window back onto the screen (If you have multiple windows of that same application open, such as several Word documents, in Windows 10 right-click the item in the taskbar and choose Cascade all windows. ) If you've lost sight of the GOLD Emulator window, the steps are a little different  More...
  • 6. What is a GUAPPLE unit? Public
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    GUAPPLE is short for GOLD Update Appliance. The GUAPPLE is a stand-alone network appliance that takes the place of the GOLD-Master update server PC. It is designed to seamlessly handle all of your GOLD software update retrieval tasks. No effort is required to retrieve software updates when using a GUAPPLE device. It will acquire GOLD update files automatically as well as custom loan screen updates, doing away with manually downloading and extracting software update files. One GUAPPLE unit  More...
  • 7. On our loan credit insurance and/or debt protection posting reports, we see exception descriptions that are abbreviated. What are their meanings and did the premiums/fees post or were they rejected? Public
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    These message indicators appear on the CU*BASE loan insurance premium posting report (TCUNAS2 / TCUNAS3) and the Debt Protection Fee posting/exception reports (TCUNAD2 / TCUNAD3). By looking at the reports, you can tell if a premium / DP fee posted or not based on the exception. LOAN INSURANCE MESSAGES ADD SIGN - There is joint coverage on this loan. There is either no 'additional signer' record, or the birth date for the additional signer is missing or invalid. JT TO SG - There is joint  More...
  • 8. How do I use CU*BASE tools to keep track of the beneficial owners on my business accounts and other memberships? Public
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    Using CU*BASE to Comply with New Rules for Tracking Beneficial Ownership FinCEN has issued new rules under the Bank Secrecy Act that require financial institutions to identify and verify the identity of the beneficial owners of all legal entity members (corporations, etc.). Under the final rule, credit unions are required to have written procedures to identify and verify beneficial owners of legal entity members who open new accounts on or after May 11, 2018. In addition to identifying and coll  More...
  • 9. What information does Audit Link’s Negative Situation Monitoring product provide? Public
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    Performed on a daily basis, Audit Link uses the CU*BASE Dashboard for Negative Balance Analysis to retrieve negative balance data. A daily report summary is provided to your team illustrating negative balance accounts separated as 15-day buckets to assist in quickly identifying possible fraudulent activity and areas that may require immediate action. Also included with the daily report summary are graphical representations and delinquency ratios to assist in identifying key trends affecting your  More...
  • 10. Can I monitor which specific accounts my employees are accessing via Inquiry and Phone Operator? Can I see what menu options they are trying to access? Public
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    Yes, CU*BASE has Employee Security features that let you monitor access to CU*BASE programs by any employee ID, whether CU*Answers or credit union employee. Every time a CU*BASE program is accessed, the system records who accessed the command and when. For CU*Answers employees, the file records the individual ID for the staff member (not the alias) so you will be able to tell who from CU*Answers was doing the work. This file (file name SECAUD) was designed to let you see what commands an emplo  More...
  • 11. What reports can I use to monitor my Automated Funds Transfers (AFTs) with accounts that are not on CU*BASE? Public
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    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...
  • 12. Why does CU*BASE show delinquency in two different ways? In some places it is months/days and others it is actual number of days. Public
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    There are two methods used to track delinquent loans for reporting purposes in CU*BASE: Method One (for Collections tracking) We have always tracked delinquency in two separate fields for “Months” and ‘Days” in the member files. When a loan is 30 days delinquent, it shows as “0 Months, 30 Days” delinquent. When a loan is 31 days delinquent, it is “1 Month, 0 Days” delinquent. A month is always considered 30 days regardless of the actual number o  More...
  • 13. What monitoring tasks does SRS Audit Link provide? Public
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    Daily: Review all BSA transactions Monitor Dormant activity File maintenance review Review of teller reversals involving cash Weekly: Review of wire transfer log Insider/Employee audit Bi-Weekly: OFAC on entire membership BSA/SAR review Monthly: Stale dated checks Other Review of CTRs and SARs *Any of these may be contracted separately as an individual, ad hoc service
  • 14. What is the strategy behind how Online Banking releases are scheduled? Public
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    One of the hardest things to do with a 7x24 product like Online Banking and PIB is to decide when to implement software changes. Unlike CU*BASE changes that easily can be coordinated with normal credit union operating hours, Online Banking changes must work around member usage patterns and support concerns. If a member needs to check a balance or transfer money at 3:00 in the morning, he can’t just pick up the phone and ask a credit union MSR to handle the transaction for him. Because of t  More...
  • 15. Why do my totals on the Loan Delinquency Analysis Report (Tool #461) no longer match the Collection Delinquency Report (Tool #637)? Public
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    The two reports are using different criteria to determine loan delinquency: Loan Delinquency Analysis With the 13.0 release in the spring of 2013, the Loan Delinquency Analysis Report (Tool #461) was changed to report loan delinquency in days instead of months per updated NCUA requirements (see below*). The current processing date is compared to the next payment date to determine the actual number of days delinquent. This is most commonly used report for obtaining delinquency information for  More...
  • 16. How do I charge off a base share (000) account so that I can take a loss on an overdrawn account? I understand that I cannot use Tool #201 (Charge Off Savings/Checking) to charge off the base share account. Public
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    In order to take a loss on an overdrawn base share (000) account (closing the entire membership), do the following: First make an adjustment to zero out the balance for the amount of the loss and assign it to the general ledger account associated with this type of loss, per your credit union policies and procedures. Then close the membership. Per your credit union policies and procedures, you may also add this member to the blocked persons database using Tool #892 Update Fraud Alert/Blocked   More...
  • 17. What’s the best way to monitor teller drawer cash balances? Public
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    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...
  • 18. What else should I be doing to keep my email lists clean? Public
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    These days, electronic communication is becoming more and more vital to your relationship with your members. Start by making sure the ‘From’ email address on your notifications is a valid address (Tool # 233 Configure CU FROM Email Addresses). This is where bounced-back emails are delivered, one for loan status change emails (configured as part of your Underwriting Codes and generated by items in your lending queue) and all other general emails that CU*BASE sends from your credit uni  More...
  • 19. What’s the best way to monitor cash in my supplemental vaults (like TCD/TCRs, ATM, etc.)? Public
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    Tools for Tracking ATM/ITM/TCD/TCR/Supplemental Vault Balances Although CU*BASE will store the balance of each ATM, ITM, TCD, TCR, or Supplemental Vault as an individual GL account, this is often not a balance that reflects the most up to date information based on member activity. This is because there are daily operations (posting of ATM transactions, member activity, etc.) that do not update the GL balance until EOD. Therefore we would suggest that each ATM/ITM/TCD/TCR/Supplemental Vault b  More...
  • 20. What is included in the monthly GUAPPLE management service? Public
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    As part of the monthly GUAPPLE management service, CU*Answers Network Services performs the tasks listed below. All units are monitored 24x7 by a custom management application hosted at CU*Answers. In addition to the daily monitoring, quarterly audits are performed against the units to ensure everything is up to spec. Important: Fully managing the GUAPPLE(s) can only be done if all of the network requirements for the GUAPPLE are met. Please refer to this article . Security updates - all GUAPP  More...
  • 21. What are some things I can do to improve the delivery rates of messages I send to members? Public
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    T o ensure all your email messages are delivered to members, be sure to include ALL the following: Clearly identify the credit union name, address, phone number, and member service email address in the body of the email. Clearly identify the purpose of the email in the subject line. (See SAMPLE MESSAGES below.) Make a web-friendly Signature Line message. (SEE SAMPLE SIGNATURE LINE MESSAGE below. ) Clearly state why the member is receiving the email. Ensure your message uses proper grammar, spel  More...
  • 22. Do I need to have an unsubscribe link in the communications I send to members? What is the benefit over having them call my credit union or reply to the email? Public
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    When sending emails to members from CU*BASE, or any emails to members for that matter, it is important to add an unsubscribe link. Having the member reply to the email or call a number decreases the delivery rates of your message and makes it more readily marked as spam. Simply have the link say, Unsubscribe and link it to an external opt-out website (that you will need to monitor). Don’t include extraneous text such as “...and fill out our form to unsubscribe” as some ISPs  More...
  • 23. How does the new membership denial of service fraud block list work? Is the employee blocked from opening a new membership for the member? What happens when a match is made to an entry on the new membership denial of service fraud block list? Public
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    You can add an entry to the new membership fraud block list as an individual or organization. This fraud block list is different than other service denial lists in that it allows you to enter a name on the list without a Social Security Number. See more about the rules for adding a name to the new membership list in the other topic linked to this Answer Book item. This fraud block list is designed as a supplement to the “Deny Membership” check box available on the non-member recor  More...
  • 24. Why does it matter if I enter an invalid email address? Doesn't the email just get returned? Public
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    Actually, because CU*Answers sends email on behalf of all of its clients, bad email addresses hurt all of us! Every month CU*Answers sends nearly 100,000 e-statement notifications. We send a couple hundred thousand It's Me 247 online banking notices. We send Member Reach newsletters on behalf of 80 credit unions. We send a lot of email. (And it’s email that your members want to receive!) Unfortunately, if enough emails are returned as invalid addresses, large Internet Service Provider  More...
  • 25. Why are there loans with zero balances but with accrued interest due showing up on my Loan Information report? Public
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    The most likely reason is that someone posted an account adjustment to pay off the loan and get it off the books, but neglected to clear out the interest due amount at the same time. NOTE: Remember that CU*BASE delinquency monitoring ignores loans where the balance is $0 or below, regardless of whether there is interest due or not, but the system will not close a loan with interest due, even if the principal has been paid to $0. If posting a manual account adjustment, make sure to post an adjust  More...