BancPac 2017 Development Roadmap Unlocking Your Business Potential with Automation

May 24, 2017Joselyn Strohm, Product Manager

Save the Date

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May 14th – 17th 2018

May 6th – 9th 2019

2016 Enhancements Delivered

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Enhancements

Client Driven Regulatory

Integration BancPac Initiatives

By Application

Customer Deposits/DO Loans

GL Global

Be a BETA!

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Accessibility

Documentation

Software

FeedbackSupport

Potential Updates

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2017 Roadmap

Client Driven Enhancements - Customer

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• Customer Authentication Questions

• Alternate Address Bold if one is present

• Additional parameters for internet access of closed accounts

• Improvements to Address Change Process

– Option to only select related customer for address changes as the default.

Client Driven Enhancements - Deposits

• Additional IRA Beneficiary Information and

Reporting from Plan level

• Automatically calculate RMD transfer amount

• IRA Plan Maintenance in File Maintenance

• Define each beneficiary percentages on CD’s

• Customer Level Dormancy

• Option to Sort by Account Usage on Report

543 – NSF Monthly Paid/Return

• Safe Deposit Box Payment Update

• Monthly Hold Report

• Rolling 6 month average balance

• APY on CD screen

• Present an edit if an MTE will overdraw acct

• Additional transfer options

• Last 4 Digits of Card in History

• Check Card Rewards

– Incent your customers for using signature based

transactions instead of PIN based.

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Check Card Rewards

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Check Card Rewards

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Check Card Rewards

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Check Card Rewards

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Client Driven Enhancements – Deposit Origination

• Expanded Title Line for documents

• Customer Level Business Resolution

• Temporary Signature Card

• W-8BEN support

• Option to Use Alt Address on Account

Documents

• Option to Sort by Account Usage on Report

543 – NSF Monthly Paid/Return

• Custom Document Support

• Option to use the word “AND” on joint

accounts

• Improvements to Accounts in Process

• Case by Case Hold

• Change of Address Form Support

• External Transfer Form Support

• Default the services needed during account

opening by product such as Qualifile.

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Client Driven Enhancements - Loans

• Totals by Loan Officer Report 771, 772, & 775.

• Late Payment Warning on Bills

• Field Updates

– Date restructured field added

– Escrow Inquiry Fields

– Original Note Commitment Amount field

– Expand Percentage field for Purchased loans

• Stop Draw Processing

• Ability to do transactions on the same day a LOC is renewed

• Option to Suppress ARM Notice

• Delay printing past due notices

• Shadow Accounting Improvements

– Nonaccrual and Shadow processing for late fees

– Continue to Bill on Shadow Principal Balance

– Presentation Improvements

• SBA Improvements

• Collateral Improvements

– Ability to tie the same collateral record to multiple loans with different lien positions.

– UCC Expiration Date Field

• Ability to remove primary customer from credit bureau reporting

• Date of Credit Score field

• Fee Payable at Payoff

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Client Driven - Global

• Replacement Cards

• Last four digits of the card number in transaction history.

• Display EFT real time limits

• Instant Debit Card Alerts – Transaction Threshold

• Option to View User Profiles

• Track User Security Settings that Differ from User Type Defaults

• Additional Sort Options for Transfer Reports

• Studio Improvements

• Display GL account title on Report 97

• Print Envelope

• Option to Override MTE for alerts

• Account Alert Report

• Option to automatically delete alert codes

• GL Rolling 24 Month Balances.

• 24/7 Processing

• Protect Internet Users

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Integration

• Decision Solutions

– Address Analysis

Ensures customer address is valid or accurate based on

USPS records.

Additional validity checks for name to address

verification, suspect and known fraud addresses, address

velocity, etc.

– BizChex

– Red Flags Checklist

• FCM Integration

• Entrust DataCard CardWizard Integration

• PayNet – Credit with a Hold

• Acuant AssureID

• Acuant Mobile

• BancPac SmartSign™

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BancPac SmartSign™

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• Digital signature capture tool

• Multiple signing options

– In Person

– Email

• Identity verification for remote signatures

– Last four of TIN

– Last four of phone number

• Secure transmission

• Available on Studio

About eOriginal: Intellectual Property

CEO Stephen Bisbee involved in eSign Law

CEO influenced UCC Law

Multiple patents on electronic Asset Management Including

Paper-In® and Paper-Out®

Introduced eAsset Management to Rating Agencies and

achieved parity rating

Strong Relationships with top legal firms that counsel on

eAsset Law

Leading in the

industry

Stephen received lifetime achievement award from ESRA

Stephen is a Board Member of ESRA

&

Let’s see how the signing and Vaulting

works…

Core Account Processing

Critical Customer Data

Visibility

Accessibility

Manageability

Leading eSigning and eVaulting Provider

ESIGN, UETA & UCC Compliant

Rated and Accepted by ALL Major Rating

Agencies

Designed Specifically to allow you to

transfer your assets

Collateralize, Pledge, Securitize

You Know

BancPac…

Account Inquiry

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Prepare Documents

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New Signature Options

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Signature Capture for Email

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Signature Capture for In-Person

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Acknowledgement

Executed Documents

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Regulatory

• Physical Address field

• FinCEN Beneficial Owner

• IRS reporting changes

• New transaction code for late rollover and

distribution code for charitable gift annuity.

• 1099MISC for Check Card Rewards

• 1099R for QCD Transactions

• Call Report – Update Rpt 468 with 250k

threshold

• Call Report 041 Consolidated Reporting

• Additional Verbiage for Excessive Overdraft

on Overdraft Notice

• Freddie Mac Updates

• HMDA Unique Loan Indentifier (ULI)

• CFPB Post Petition Bankruptcy Statements

• Same Day ACH – Phase 2

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Thursday at 9:45 a.m. – Captiva 2

Regulatory Review:

BancPac Initiatives

• Account Text Alerts

• EFT Exceptions History

• CSi Release Integration

• DO Workflow Improvements

– Additional Edit Messages

– Required Fields

– Default Values

– Additional Document Support

– Grouping Accounts in the same Workflow

• Sheltered Harbor Extracts

• Management Reporting Suite

• Financial Reporting Suite

• BancPac 360 Improvements

– Ability to schedule and email reports

– Ability to join files

– Infrastructure improvements

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Thursday 8:30 a.m. – Captiva 2

BancPac Reporting

Candidate Projects

• Integration

– OLB Positive Pay real time integration

– OLB ACH Positive Pay integration

– Alerts portal through OLB

– Cardless Cash

• Loans

– Update collateral fields to new loan process

– Additional FASB fee functionality

• Security

– Restrict Posting on User’s employee accounts

– File Maintenance Improvements

– Update User Info without Deleting User

– Mask account numbers on statements and notices

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Thank YouJoselyn Strohm Joselyn.Strohm@fisglobal.com