BSA Program

BSA Program Detailed Overview

The program is designed to automate the process of identifying persons or accounts with activity meeting specific criteria in = an effort to identify high risk and potentially suspicious activity. This application takes the process= of manually reviewing transaction reports further by automating the process of loading the data into a custom database and producing reports of the accoun= ts or persons meeting specific criteria which are tailored by the credit union= .

Data loading

There are two main data elements that need to be loade= d to produce the reports. These ar= e the types of transactions to be analyzed for the time period to include cash, w= ires ACH and ATMS, and a database= of accounts and related TAX ID numbers. The report(s) with the daily transactions and account / TAX ID information vary by Core processor. &= nbsp; However the process is the same with each required activity report b= eing scanned and the transactions loaded into a temporary dataset then aggregate= d to reduce the number of items in the dataset to one record for each account nu= mber and transaction code for the date of the report.

Analysis and reporting

The client initiates the analysis and reporting phase = using a parameter screen to set the start and end date of the activity to analyze, specific threshold values for the total activity on a day and over the sele= cted time period. The program then= scans through the member data and produces a number of reports with the accounts listed that meet the reports criteria.&nbs= p; Once and account is put on a report it is not listed on any other reports to eliminate redundancy and reduce the report size.

All of the accounts identified as suspicious can be ou= tput as a pipe delimited file for loading into a spreadsheet. This file has an indicator for each= of the reporting criteria that the account matched.

After the account reports are produced the same proces= s is done and another set of reports is written based on the activity on all accounts related to a persons TAX ID number.

The list of suspicious accounts and persons can then be output as a TAB delimited file for easy access via Excel in a spreadsheet format. This file includes Ac= count number, Name, TAXID, the process account scan or member scan and the report= s that the account or person was reported on.

Normal Operation

Although the scheduling will vary the basic procedure = is the following.

1= ) Load an updated list of accounts and owner information.

The data in the report can= replace or be merged with the existing data.

2= ) Load the daily transaction report(s).

This can be one file per d= ay, all of the files for the last week, etc.

3= ) Verify the loaded data and run the analysis.

Loading the Transaction Data

Loading the transaction data is a very simple process = for the user. Choose Load Data from the menu, select the report to load and click OK.

The report options on this screen are automatically ta= ilored to the Core System.

Checking the = Clear All Loaded transactions = box can be checked to clear the files and start with a fresh empty transaction database.

The Account – SSN report opt= ion will load a Comma delimited file with account numbers and owner SSN numbers. This is used to setu= p an initial account and member database but is not required by the program. This option deletes the existing a= ccount and member data files replacing the current database contents.

The Joint Report option will load a report of the accounts, owner and joint owner information.

The AUDLST option loads the daily transactions.

The first step in loading the transactions is to proce= sses the file searching for the transactions that need to be loaded into the database.

After the report has been processed the loaded transac= tions are aggregated by account number. This process combines all transactions with the same TRANCODE for the day on an account into one item with the total of the transactions and the largest am= ount of a transaction.

Once that step completes the transactions are again aggregated but this time by member and joint owner SSN.
Loading Account and Member / Joint Owner Data

This is a simple process once the file with the inform= ation has been created and loaded to a shared folder for access.

Choose Load Data from the menu then c= lick Joint Report, select the file to load and click OK. This process simply scans through = the report updating existing records with the data in the file and adding new records if needed.

Viewing loaded data

Once the data has been loaded there are a number of vi= ewer screens available to verify the data in the database. Choose View Data on the me= nu to see the list of available record viewers.&= nbsp; The following table briefly describes each of the viewers

Menu Name	Description
Accounts	Basic account information currently account number formatted and stored numerically
Account Transactions	Aggregated transactions for each account
Member Transactions	Aggregated transactions for each member or joint own= er
Reported Accounts	Temporary data created by the analysis program detai= ling the suspect accounts and/or owners in the analysis report.
View Members	Basic information on each member or joint owner

All of the viewers have a common EXCEL like look to them. Most of them can be sor= ted on any of the columns displayed by clicking on the title at the top of the column. Click once to sort by= that column then click again to reverse the sort order.

Some of the viewers have other data specific functions= to limit the lists to a date or save the data for EXCEL importing. The save function is described lat= er under Analysis and Reports in this documentation.

Analysis and Reports

The program will automatically review the transactions= over a user defined time span and report the suspect accounts or individuals in a series of ten reports. Five r= eports are account and five are individual specific. Each set of reports is run from a = separate parameter screen.

The screen is the same for each set of reports except = for the title bar to identify the reports being created and the aggregate file that= the report is generated from.

The Start date and End date default to= the oldest and newest loaded transactions in the aggregate file. The date range can be set as desired. The reports that are written to the reports folder will have the Month and Day of the End date included in the report name to help identify the reports conte= nts.

The Day Threshold defaults to 10,0= 00 and is used to determine the transactions reported on the report labeled Acc= ounts with DR or CR Transactions > Day Threshold on a day. The value is also written in the r= eport file name in the reports folder.

The Period Threshold defaults to 3= ,000 per day in the defined report period and is used to determine the transacti= ons reported on the report labeled Accounts with DR or CR Transactions > = Period Threshold during period. The value is also written in the report file name in the reports fol= der.

Un-checking the View reports box creates the r= eports and the Reported Accounts list without displaying the reports in the viewer= .

Reports

The analysis process creates the following reports with YYMMDD the End Date of the reported period.

YYMMDD_ACCT_TRAN_GT_10K.TXT

YYMMDD _ACCT_TOTT_GT_10K.TXT

YYMMDD _ACCT_TRFR_GT_03K.TXT

YYMMDD _ACCT_DRCR_GT_ Day Threshold.TXT

YYMMDD _ACCT_PERD_GT_ Period Threshold.TXT

The member analysis generates the same reports substit= uting MBR for ACCT in the file name. The report files are not automatically deleted by the program but if multiple report periods with the same ending date are run only the last one will be preserved unless you manually rename the existing ones.

Viewing Reported Accounts

Once a report has been created the accounts in the rep= ort will be available for viewing using the Reported Accounts viewer. This data is not saved so once the program is closed you must re-run the report to view the accounts again. By clicking the SAVE button data is saved as a TAB delimited file in the reports folder with a name of YYMMDD_R= EPORTEDACCOUNTS.PRN. Excel will recognize the PRN exten= sion as a TAB delimited file and load each field into a separate column.

The fields in the data are the Type of record A= ccount or Member, Account Number, TAX ID number, the individuals= Name, followed by 10 columns with a X in it if the rec= ord was on that report.