The system allows to keep a record of all personal information of members or associates.
The system allows to keep a record of all personal information of members or associates, savers, third party, beneficiaries, spouse, children, family. Moreover, store the information about customers, suppliers, legal representative, officers, shareholders, directors, founders, account signatories, tutors, and others related to the Member Application or Account Opening Form. Through the system you can register personal data such as, full name, identification (ID card, passport, Company Identifiers), gender, marital status, address, nationality, country of residence, phone, workplace, status, date of admission, date of resignation, date of re-entry, type of member, transactional profile, financial profile, work and residence area, relationships with PEPs, signs of FATCA and all data required for the compliance of the Know Your Customer Policy, including the forms of due diligence.
The system keeps a detailed control of all member’s contributions.
The system keeps a detailed control of all member’s contributions. It maintains the account balances and the amount accumulated in the current period updated in order to generate an online statement on members request. At the end of the year, it can calculate the surplus that corresponds to each member considering the number of dividend accumulated. The system has the functionality to calculate the contributions delinquency and keeps a separate record of contribution payments by cash or payroll and contributions generated by capitalization when a loan is processed. The system can generate a disbursement plan if necessary for the return of contributions in cases of resignation or expulsion of members.
The system manages all savings accounts of members in the Credit Union.
The system manages all savings accounts of members in the Credit Union. Allows the opening of new individual savings accounts and joint account. Provides the functionality to manage different types of savings: checking, Christmas, school, term deposits, retirement funds and others. For the payment of interest and / or incentives offered in different types of savings there are several methods such as: lower daily balance, lower monthly balance, average daily balance, monthly average balance, and monthly balance. It has the controls to freeze amounts of savings deposits by check and / or amounts that guarantee loans. All savings accounts can have an individual transaction profile as well as the detail of the signatories and beneficiaries. For Term Deposits Account the system has the flexibility to negotiate the interest rate if necessary and to record how the distribution of interest will be done, either by generating a check or a deposit to a savings account. The system generates a report and to see the due dates of the daily and monthly time deposits offered. Also, it generates an application for opening a savings account with all information required to know your customer policy compliance and due diligence.
All credits and loans that manage the members of the Credit Union are recorded individually in a stub that allows us to take a control by account number for each one of the different claims that has an member
All credits and loans that manage the members of the Credit Union are recorded individually in a stub that allows us to take a control by account number for each one of the different claims that has an member, which makes it easy to generate a detailed statement with all transactions that are registered for each account number of loan. The auxiliary loans keeps control of the balance or balance and the dates of payments of principal and interest as well as a detail of the interest receivable, manipulation of the receivable, insurance receivable, surcharges receivable, etc. The loans can be classified into different types such as: currents, consumption, special urgency verified, speedy processing, mortgage guarantee, cars, agricultural, commercial, mortgage, etc. are generated monthly reports of loans by status and types and takes a control of the interest receivable according to IFRS. Are recorded policies or regulation of credit in the system so that it can be validated automatically when analysts or loan officers made contributions of new loans, refinances or negotiations in the event of payment arrangements or retention of members. Daily there is a process that calculates the overdue letters of all loans according to the date of granted to achieve an effective management of the delinquency and effective follow-up of recovery.
This module allows you to keep control of all accounts payable relating to the members and customers of the Credit Union.
This module allows you to keep control of all accounts payable relating to the members and customers of the Credit Union. The types of accounts payable may be: returns by cancellation of loans, returns by direct discounts received, payment of scholarships or any benefit or any item that is required to carry a control of the balance or balance and payments made by the member and customer for the generation of the account statements.
The receivable accounts module enables us to carry an auxiliary by type or item that requires a detailed control of the amounts owed by the members and customers of the Credit Union.
The receivable accounts module enables us to carry an auxiliary by type or item that requires a detailed control of the amounts owed by the members and customers of the Credit Union. The types of accounts receivable may be: Returned Checks of members, legal charges, charges of the notary, etc. and any charge that warrants an assistant to keep a record of the balance or outstanding balance as well as generating a state of account of payments or transactions made by the member and customer.
The module of insurance allows the system to keep track of all insurance policies taken out by the members of the Credit Union.
The module of insurance allows the system to keep track of all insurance policies taken out by the members of the Credit Union. Insurance policies, can be recorded by insurance company, type of insurance: life, hospitalization, automobile, fire, as well as insurance plans. Insurance can be external insurance companies or insurance plans financed by the Credit Union. Payments or monthly insurance premiums can be made by cash or discount. It allows to calculate the payments arrears and generate a statement of all transactions recorded in the system. All claims submitted by members on a particular policy may be registered in the system to track until it is resolved the case and provided an answer to the member.
>The control of direct discount is a module that receives all requests for orders of discounts that are processed by the departments of member enrollment.
The control of direct discount is a module that receives all requests for orders of discounts that are processed by the departments of member enrollment as there are discounts of contributions, customer care or opening of savings accounts for discounts of savings flows or Christmas, management of credit for all discounts of new loans, refinances or retention of members, department of collections in cases of recovery of discounts suspended, negotiation of arrangements of payments, discounts to co-maker, etc. This is a daily process that helps the collaborator of direct discount to take control of all discounts that are generated in all departments and allows you to generate reports Consolidated public institutions as Comptroller, social insurance fund and private companies with the details of the orders of discount that are sent in each batch for approval. When requests for direct discount return from the private institutions or companies proceeded to confirm which were approved or rejected. If they were adopted are passed to the table of schedules of direct discount with the respective payroll code and if they are rejected will be sent automatically to a viewer of discounts rejected for the contributor that processed the discount can correct it or give a follow up and notify the participant that the discount was not accepted.
The system allow us to keep track of all products that lend arrears and delinquencies. The system can manage delinquencies by company, branch, product category, member, etc.
The system allow us to keep track of all products that lend arrears and delinquencies. The system can manage delinquencies by company, branch, product category, member, etc. It takes a detailed inventory of all monitoring or collection efforts that are made by different managers to members for each of the products that are in arrears record. The program can issue letters of delinquency, collection notices sent by mail and generate reports of financial recovery by manager, collector, branch, company, category, etc. Using this tool can speed up and facilitate the collection and achieve a balance between granted loans and recovery of capital and interest arrears. It also consolidates all relationships between the customer and account manager for the collection of delinquent debtor products with a single call. The properties are defined automatically to select the account of the products that has to be collected according to risk priority. generate the statistic necessaries to measure the projection of the delinquencies, the capacity of the recuperation and productivity of the management fees. Automatic generation of a plan of capacity, allowing by branches or product know the volume of the account of delinquencies and the respective assignations of the collectors. Allows effective monitoring of the productivity of collectors. It allows to automatically track the promises of payment and determine the expiration of the commitments acquired by an member and / or client. This module allows generating statistics, charts and reports delinquency by category, product, product type, branch and company.
This module allows you to record all applications for benefits that are presented by the members of the Credit Union to make use of the social welfare fund.
This module allows you to record all applications for benefits that are presented by the members of the Credit Union to make use of the social welfare fund. It parameterizes policies or regulation under which you can grant the benefit to perform validations in automatically and decide if it accepts the request and that the same can be registered for your approval. The most common types of benefits are: support for purchase of lenses, medical examinations, medicines, funeral fund, etc. Once registered the request of profit and after passing through the approval process is made the request for disbursement to generate a check or a seat of note of transfer with a deposit to a savings account of the member and receive your benefit in the shortest possible time.
Cash register control platform lets you create and assign different cash register to the respective cashiers, facilitating the process of attention.
Cash register control platform lets you create and assign different cash register to the respective cashiers, facilitating the process of attention for members and / or customers in the parent company and / or different branches. All cash registers have a system of independent access keys that ensure safety and reliability in transactions and processes performed by each cashier. All cash registers can receive deposits and withdrawals from savings accounts, it is possible to print receipts for payments of any type of loans, receivables, insurance, contributions, etc., whether member payments and / or payments that affect ledger accounts; also allows printing of passbooks and any additional documents as promissory notes of fast processing. The module allows full interaction with accounting systems and auxiliaries members, as it possesses an integration that allows online updating transactions made by members in their respective auxiliaries. At the end of the day or when the cashier performs cash box and proceed to make the deposit and closing, a summary of transactions or transfers seats notes that are sent automatically to the accounting system is prepared.
This system will be in charge of carrying the Financial Accounting of the Credit Union, allowing record all transactions made.
This system will be in charge of carrying the Financial Accounting of the Credit Union, allowing record all transactions made. It has a module for creating the encoder or accounts catalog according to that used by the company. Its functions include the power to record transactions by company, branch and update by company and branch. It can also generate the financial statements by company and / or branch: Trial Balance, Balance Sheet, Statement of Financial Position, Income and Expenses, Annexes, etc. The system has the ability to receive transactions automatically generated in all the proposed modules, so that transactions are captured only once in the place of origin. avoiding duplication of information recording and minimizing possible mistakes made in data capture. It allows to control the budget of income and monthly expenses, monthly and annual comparison made versus budgeted a particular month or year.
The fixed assets module allows us to bring an auxiliary of different types of assets and control its book value.
The fixed assets module allows us to bring an auxiliary of different types of assets and control its book value, as well as the calculation of depreciation automatically and make the seat note accounting transfer every month to financial accounting. With this module the Credit Union may carry an efficient control and give effective follow all company assets by company and branch. It is designed to support you in the organization and location of its assets by area, department, section, group and asset type. It allows integration with the module checks for the record of the purchase of new assets is direct. The company offers various reports and queries that allow full control of their property.
The BMS system that we offer has an integrated system for managing workflow that lets you control all internal and external processes performed with BMS.
The BMS system that we offer has an integrated system for managing workflow that lets you control all internal and external processes performed with BMS, from the beginning to the end of each one. BMS Workflow is a management tool workflow designed to minimize the time spent in each of the processes performed by the system as they are; member registration, opening savings accounts, opening and trading of fixed terms, Credit Management, Collection Management, processes requests for checks, etc. Having statistical information generated by BMS Workflow allows the necessary adjustments to the internal procedures to improve the quality of service offered to members. Currently, all financial institutions require technological tools to help them optimize their resources and processes, become more profitable and efficient, and therefore offer a better quality of service to its members and / or clients in order to identify with the company and increase their loyalty. BMS workflow offers flexibility, adaptability, rapid implementation and a series of charts and graphs with statistics of time it takes to complete each one of the processes taking place in BMS.
BMS features an integrated security system which allows all users with their passwords properly encrypted so they can authenticate to the system safely.
BMS features an integrated security system which allows all users with their passwords properly encrypted so they can authenticate to the system safely. Once in the system authenticated users can access the various menu options that are available through a process of authorization roles that allow you to access only the screens and reports for which they are authorized. It also allows us to define special authorizations for transactions that are exceptions in the operation of the system and require the approval of a supervisor. It has administrative screens to create users, create new roles, assign roles to users, remove user roles, users and check off all accesses that have a particular user. The system keeps track of the date, time and workstation who create, modify, delete, and view information auxiliary members and who generates each of the transactions performed by banks, checks, transfer seats notes, lists of direct discounts, process execution system, etc. If it is necessary to access the system remotely by means of unsafe internet communications and can be installed digital certificates to encrypt all information that is transmitted by the media.
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