CASH AND TELLER

OUTLINE

• FINACLE OVERVIEW/ARCHITECTURE
• OVERVIEW ON FUNCTIONS OF A TELLER
• INTRODUCTION TO FINACLE ( SSOADMIN, CRM, SVS & FINCORE)
• CASH DEPOSITS (MENU SIMDEP)
• CASH WITHDRAWAL (MENU SIMWDR)
• TRANSFER TRANSACTIONS (HTM)
• SAME DAY REVERSAL BY TELLER (HCRT)
• REFERRALS (HRINBX)

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 FINACLE OVERVIEW/ARCHITECTURE

General Overview

• Finacle 10 is a fully web-enabled, fully ONS based and scalable core banking application that
provides a unified view across retail, corporate, treasury and trade finance.

• It covers both front office and back office functionalities.

• It allows easy integration of delivery channels and interface with other web-enabled systems.

• It is flexible, easy to customize, multi-currency, multi-lingual and offers extensive support for
financial and regulatory reporting

• It has extensive security, audit and control features

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 TERMINOLOGY

USER GROUPS
User Groups in Finacle are denoted by the term ‘Application names’.
All users logging into the application will have a user id and a password. Based on the kind
of banking operations performed by these users they will be grouped into User Groups.
It is this User Group that decides the super set of all the operations that a user can perform.

Examples of User groups are: General Users, Tellers, Business Operations Manager,
Customer relations Officer etc

WORK CLASS
Each user is associated with a work class. This work class is also associated with each of
the menu option available in the application.
Different persons in the same user group can be assigned with different responsibilities with
reference to the application by assigning different work class.

USER TENOR
The accessibility of the user depends on the user’s status. The status of the user can be of two
types:
CAPTIVE
The user with a captive status can access the data belonging to his service outlet alone but can
inquire on the accounts belonging to other SOL.

FREE
The free user can access the data belonging to all service outlets..
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 SECURITY, CONTROL AND AUDIT

• Dual control (Maker Checker) for all transactions:

On every transaction and every account, you do an Entry (just the data entry), Posting (a/c
balance gets affected) and verification.

• Controlled error handling through exceptions:

Error Handling : eg., if you are exceeding debit limit in a particular account, you can generate
an error through exception. It will be logged in audit log with time and date stamp and
persons name.

• Audit for both financial and non- financial transactions:

There is an audit table which stores both financial and non-financial transactions. There is a
menu option in the product in which u can define criteria of query on the audit log.
E.g. of a non-financial transaction. Creation of customer profile.

• Financial transactions : date, entry time, passing and verification details

• Non-financial transactions: before and after image details

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EXCEPTION HANDLING

• Exception handling
– definable and controllable error handling system

Types of exception:

Normal routine: User allowed to proceed with a warning. E.g: Interest calculation not up to date

Exception: User is allowed based on the level E.g: A/c frozen

Error : Not allowed for all the users. E.g: Account balance not sufficient

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 TELLERS AND THEIR QUALITIES
Tellers are the bank’s major point of contact with customers and the general public. Therefore great care must be
taken in the choice of personnel for this position.

Constant attention must be paid by management to the quality of service provided and the appearance
presented at the tellers’ counters. ………Tellers display the image of the bank

Tellers must be polite and efficient. They must be service-oriented while also maintaining checks and balances.

Quality of service is also perceived by customers at the “moment of truth”, when customers have encounter with
tellers in the banking halls.

QUALITIES
▪ Honesty
▪ Dedication to duties
▪ Punctuality
▪ Friendly posture
- Smiling even under pressure
- Good Interface skills
• Accuracy
• Good basic product knowledge.
• Knowledge of responsible officers (with signing/ approval authority).
• Value customer time.
• Understand that customer is the king ,boss and employer.

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 Introduction to FINACLE

• Every user needs to be assigned a USER ID to access Finacle

• Finacle has different modules depending on access granted. (CRM –Customer relationship mgt; FINCORE; SVS –
Signature verification system, Change credentials)

• Upon accessing Finacle URL, this page is displayed

• Input User ID and password ( the strength of the password and length is very important-password should be a
combination of alphabets, numbers and special character and minimum of 8 digits)

• Input your token as a second authentication factor.

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Introduction to FINACLE

• The screen below is displayed

• Your last login date is displayed ( this is a control to confirm that our user id has not been accessed
illegally)
• Password expiration date is also displayed
• On SOLUTION ICON, select the module you wish to access FINCORE

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Introduction to FINACLE

• The screen below will be displayed

• Click ok

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Introduction to FINACLE

• The list of menu’s assigned to you will be displayed on the left hand corner
• To log off, click on the icon on the extreme right hand ( above CCY Converter)
• User ID, Sol id, Date, Menu shortcut can be found on the top right corner

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 CASH DEPOSIT
Type in SIMDEP and click ‘Go’ to proceed to the cash deposit screen below.

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CASH DEPOSIT Cont...

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CASH DEPOSIT Cont...

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CASH DEPOSIT Cont...

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 CASH DEPOSIT Cont...

Types of Transaction Status:

1. Entered : when added
2. Deleted: when deleted
3. Posted: when posted

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 CASH WITHDRAWAL

Type in SIMWDR and click ‘Go’ to proceed.

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CASH WITHDRAWAL

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 TRANSFER TRANSACTIONS (HTM)

• The teller can move money from one account to another by using
the above menu. This could be done via cheques, withdrawal
slips, letter or any other instrument dully authorized by the account
holder.
Types of Transaction Type/Subtype:
(i.) T/BI – Transfer/Bank Induced
(ii.) T/CI – Transfer/Customer Induced
• Type HTM click ‘Go’ to proceed.

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TRANSFER TRANSACTIONS (HTM) Contd…

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TRANSFER TRANSACTIONS (HTM) Contd…

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TRANSFER TRANSACTIONS (HTM) Contd…

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TRANSFER TRANSACTIONS (HXFER or HTM) Cont…

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 REVERSAL BY TELLER (HCRT)
• Reversal of teller transaction can be done using menu option
HCRT. However, the reversal must be carried out by the same
teller/user that consummated the first (erroneous) transaction.
• This menu option can also be used to mark a transaction
wrongly reversed using HTM as reversed to avoid COT charges.

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REVERSAL BY TELLER (HCRT) Cont….

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 REVERSAL BY TELLER (HCRT) Cont….

• i) Where you just need to rectify the account numbers for both legs
of the transaction, select each leg and input the correct account
numbers, then submit.

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REVERSAL BY TELLER (HCRT) Cont….

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 REFERRALS

• Referring of process deviations to another user for approval of the

deviation is called referral
• Referrals can be amount based or exceptions based referrals
• The authorizer can
– Authorize the transaction
– Decline the transaction
– Hold the transaction for further verification
– Forward the transaction to another authorizer
– Cancel the referred transaction
• Referral can be forwarded to another person as defined in the
authorization matrix or escalated if not attended to after a
predefined period of time
• Referral inbox: Certain users have referral inbox in which he can see
the referrals made by him or sent to him for approval

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 REFERRALS

• Amount based referrals are referrals sent to another user if a

debit or credit posting limit of a user is exceeded.
• Below is an example of an amount based referral
• If a withdrawal of N500,000 by a teller is to be referred to the
cash officer for approval

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REFERRALS

• At the click of Post, a referral pop-up page comes up

• Pick the user id of the person you are forwarding it to
• Click and pick the referral remarks code
• Put the remark if any and click on accept and forward

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REFERRALS

• At submission of the referral, below page comes up to show you

the referral id

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REFERRALS

• The supervisor gets alert the a referral has bee forwarded as seen
from the page below and he will type HRINBX at menu box and
click Go

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REFERRALS

• The supervisor type menu HRINBX and click Go

• The screen shot below is displayed
• Click on the referral id

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REFERRALS

• The screen shot below is displayed

• After putting the referral remarks code and other remarks if any,
Click on Approve, Decline, Hold, Forward or Cancel

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REFERRALS

• The screen shot below is displayed on the teller’s profile to show

when the referral is approved
• The teller again type menu HRINBX to conclude the transaction

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REFERRALS

• The screen shot below shows the inbox of referred to me and

referred made by me
• Click on the status of the referral and not the referral id

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REFERRALS

• It takes you to the transaction for you to submit

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REFERRALS

• After clicking on submit, the trans id is shown and the transaction

is posted

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REFERRALS

• Exception based referrals are referrals sent to another user if

an exception can’t be overridden by the initiator
• Below is an example of an exception based referral
• If an account is frozen for incomplete documentation and
forwarded to BOM for approval to make withdrawal
• The referral should be referred to the user that has the power
to override such an exception if not error message will come
up if any user is picked like we have the screen shot below.
• If you referred an exception for account frozen to a cash
officer, the error below will come up, so it had to be referred
to a BOM that has overriding power for such an exception

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REFERRALS

• The error reads that the user id role doesn’t belong to the
defined roles of the matrix id

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REFERRALS

• You will pick the user id of a BOM and submit to get the
referral id below

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REFERRALS

• The BOM gets an alert that a referral has been forwarded to

her and he types menu HRINBX to take action
• Click on the referral id

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REFERRALS

• The screen shot below comes up

• Put the referral remarks code and any other remarks if any
and click Approve, Decline, Hold, Forward or Cancel as the
case may be

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REFERRALS

• At the click of approve, below screen shot comes up

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REFERRALS

• The processor gets an alert that the referral is approved and

he types menu HRINBX to conclude the transaction
• Click on the status of the referral and not the referral id

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REFERRALS

• When you click on the status of the referral, it takes you the
transaction page for you to submit

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REFERRALS

• When you click on submit, trans id comes up as transaction is

completed

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Thank You

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