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...

In Windows 10, 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: Use Alt+Tab or   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...

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...

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.

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

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

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

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.

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

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...

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...

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...

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...

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...

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...

We recommend you use the Due Diligence Codes feature. These are configurable codes (Tool #247 Configure Due Diligence Codes) you can place onto any membership, and when you use features such as the Abnormal Activity Monitoring tool, you can segment members based on what due diligence code you have assigned. Learn more from the links below.

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...

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...

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...

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...

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 cov  More...

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...

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...