1202 - unlock the power of ibs with innovative new...

Unlock the Power of IBS with Innovative New Products and Features

April 2017IBS Product Management Team

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IBS Self-Service Onboarding (SSOT)Jenny Badreddine ♦ IBS Product Line Manager

IBS Self-Service Onboarding (SSOT)

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• A new utility within IBS Insight

• Mass Exchange on steroids

– Specific focus on onboarding

– Multiple services at once

– Group services together

• Create multiple customers and deposit/loan accounts at once

• Fund accounts and do simple maintenance

• Useful for small portfolio acquisitions or niche products


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• Verify whether the customer on the account to upload is an existing customer

• Add a new customer if needed

• Generate account numbers if needed

• Add new account(s)

• Add customers to account relationships

• Pass the customer number to other applications as needed

• Group correct functions together

Key Features


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• Significantly improves the time needed to onboard multiple accounts

• Familiar spreadsheet technology - no lengthy learning curve to use the tool is

required

• Ease of use - no incremental hardware or software purchase is needed

• Flexibility - staff can perform the onboarding at one time, or in a phased approach

Benefits

IBS Financial Transaction Management (FTM)Marcia Corner ♦ IBS Product Line Manager

IBS Financial Transaction Management (FTM)

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Customize standard formatted

screens (aka templates) to enter one

or multiple dollar transactions that

make up a business activity

Leverage existing and defined IBS

Deposit, IBS Loan and general ledger

transactions

Entitle users to unique templates

based on their roles

Deposits

Lending

General

Ledger

IBS Financial

Transaction

Management


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• Use one method of entry to post dollar transactions across multiple systems

• Predefine fields on each template

– Eliminate “cheat sheets” of transaction codes and general ledger account numbers

– Reduce keystrokes

• Manage workflows when approvals are necessary on specific transactions

• Enforce a balanced set of entries per each transaction grouping

Key Features


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• Greater data accuracy – reduce transaction errors

• Faster balancing – save time reconciling complex transactions

• Controlling access – entitle templates for individual users and business activities

• Ease of use – clearly formatted screen guides user for only authorized, entitled

transactions

• Increased productivity – save time entering transactions within multiple

applications

• Paperless banking – reduce the use of ‘tickets’

Benefits

IBS DashboardsAmy Klapper ♦ IBS Product Line Manager

IBS Dashboards

• Visualization tool of key banking

metrics

• Intuitive view of bank’s

performance

• Grouped in categories and

subcategories

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Key Features

IBS Dashboards

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• Consistent data points from Deposits, Loans, CIS, and General Ledger are analyzed and

displayed

– Loans past due

– Deposit accounts, closed

– Deposit accounts, opened with average new account balances

– Top overdrawn accounts

– General ledger loan to deposit ratios

• Channel view of data (ACH, ATM, CeB, BeB, Mobile Banking, Teller)

– Transactions by channel

– eStatement tracking and monitoring for adoption rates or campaigns

• Drill down capabilities via reports for a deeper dive of information

Benefits

IBS Dashboards

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• Quick, at a glance, visualization of bank performance

• Easy to use – pre-defined library of key metrics common for a bank

• Reduces time – fast and efficient query functions

• Flexible – can filter data on what is important to you

• Direct access to data – if need to drill down further, access is right at your fingertips

• Easy to use tool for the day-to-day manager or executive management

IBS Loans Account Line of Credit (ALC)Carl Bahneman ♦ IBS Product Line Manager

IBS Loans Account Line of Credit (ALC)

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• ALC is a multi-purpose line of credit

– Leverages the architecture of the Total Line of Credit (TLC) product

Multiple fixed rate notes underneath an account

Card and/or check access

– Adds functionality common to “credit card” products

• Consumer focused and Reg Z compliant

• Gives you another tool to help you compete in your market

• Provides a total customer view of the various loans in this relationship

• Ability to pay the loan to maximize efficiency and mitigate risk

Key Features


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• New automated repayment conversion

– The Repay Auto Conversion profile contains specific terms regarding the repayment term, payment

method, interest rate as well as frequency of rate and/or payment changes for the auto conversion

process.

• New statement (R6087) created to support the account level billing of the ALC

• Enhanced account billing option

– The Account Payment Profile segment will dictate how account payments will be posted to an ALC

account if the payment amount is either less than or in excess of the billed amount. The account

payment profile facilitates the application of the new horizontal payment processing.

• Support for grace period calculation

– If the revolver on the ALC structure is grace eligible, a dollar amount is identified that needs to be paid

on or before the due date to have interest billed not required to be paid.

Benefits


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• No additional cost

• Expand your competitive product offerings

• Meets federal compliance guidelines

• One detailed bill for all loans under the “line”

• Provides greater automation and flexibility

– Conversion from draw to repayment

– Account payment processing/payment options

• Increase usage of “lines” through new functionality

• Saves your organization time by not requiring further underwriting for fixing the rate on all or a portion of the

borrowings

• Reduces paperwork and overhead required for future borrowings

IBS Mobile Banker Origination (MBO)Fanny Miner ♦ IBS Product Manager

IBS Mobile Banker Origination

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Key Features


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• Fully integrated product catalog offers capability to open products from any branch location of

choice

• Commercial and Retail accounts supported

• Ability to customize account opening workflow (rules, fields, drop-downs, etc.) to fit your

business requirements/needs

• E-Sign, Email & Archive forms

• Ability to send account opening to desktop Origination for exception handling

Benefits


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• Highly scalable - broaden and penetrate new markets regardless of geographical location

• Differentiate your bank in the marketplace – bid farewell to queueing

• Improve the account-opening process by simplifying data entry, managing documentation and

disclosures via paperless e-signature processes while maintaining focus in an ever-changing

regulatory environment

• Accurate and consistent , private and secure information

IBS SmartSignRobb Pinegar ♦ IBS Product Line Manager

IBS SmartSign

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• Remote eSignature capture – extending customer signature options and customer

flexibility

• The ability to capture eSignatures from one or multiple parties whether in person or

remote!

Key Features

IBS SmartSign

• Captures and manages eSignatures outside the bank

• Disclosure and Consent

– IBS SmartSign records customer disclosure delivery and consent to conduct electronic transactions, conforming to the

requirements of the Uniform Electronic Transaction Act (UETA), and the Federal Electronic Signatures in Global and

National Commerce Act (ESIGN).

• Customized Communications

– Banks can customize signing request emails to customers with their logo, text and additional information

• Supports eSignature capture through following methods:

– Computer

– Signature pad (Topaz)

– Smart phone

– Tablet

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Benefits

IBS SmartSign

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• Reduce time for new account opening

• Increase security around multiple signature requirements

• Decrease operational expense and errors

• Enable paperless banking workflows

• Archive signatures automatically which improves audit responsiveness and efficiency

• Improve the customer’s origination and servicing experience

• Mitigate risk through workflow management to ensure all necessary signatures are

accounted for

IBS Sales Management DashboardsMarc Wall ♦ IBS Product Line Manager

IBS Sales Management Dashboards

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• Available to IBS Sales

Management clients as

additional “add-on”

• Targeted at managers and

executives

• Helps visually track key

sales, performance,

pipeline, and activity

metrics and trends

• Supported by detailed

underlying reports for

further analysis

Key Features


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• Daily visualizations of information related to sales requests, products, calls, and prospects

• Drill down into underlying WebIntelligence reports for more detail (interactive viewers)

• Define and save filters, change chart types to meet user needs

• Comprehensive dashboards and charts covering:

– Pipeline – open requests, won requests, overdue requests, probability to close, prospect to customer

– Won / lost – won sales, lost sales, top 10 products won

– Referrals – top 10 employee referrals made, top 10 employee referrals won, average time referral to close

– Campaigns – open requests by campaign, won requests by campaign, opened vs. lost by campaign

– Activity – volume by activity type,

– Call Requests - calls made current month / prior month, calls with expired recall dates, calls by type, calls by campaign

Benefits


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• Provide broad access to sales information that is easy to understand and consume

• Gather insights and uncover underlying trends

• Effectively manage and track pipeline and opportunities

• Track and monitor sales performance across organization

• Recognize and reward employees for sales and referrals

• Pinpoint and address sales related issues or problems

• Improve sales productivity and efficiency

Thank YouIBS Product Management

1202 - unlock the power of ibs with innovative new...

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