Fraud Prevention Solutions. Regions ACH Alert COMPLETE USER GUIDE 4/10/17

Transcription

1 Fraud Prevention Solutions Regions ACH Alert COMPLETE USER GUIDE 4/10/17

2 TABLE OF CONTENTS DASHBOARD... 2 General... 2 Viewing the Dashboard... 2 Viewing the Dashboard after EOD with Additional File Load... 9 USER PRIVILEGES... 9 Assigning User Privileges Adding Accounts Edit User Privileges PREFERENCES General Preferences NOTIFICATION RULES Setup Notification Method and Condition Restoring Notification Contact and Condition to Default Client User Account Added After Initial Setup ALERT NOTIFICATIONS ALERT Notifications Per Transaction TRANSACTION HISTORY Transaction Status Change Status Change Status with Written Statement of Unauthorized Debit Add to Approved List from Setup Edit a Company on the Approved List Delete a Company from the Approved List for all Accounts REPORTS Notification Rules Report Approved List ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 1

3 DASHBOARD GENERAL The Dashboard is a quick reference summary of the current day s file information. The End of Day Cut-Off Time is represented in the light blue bar Direct links will navigate the User to specific transactions o Total ACH Debits o Total ACH Debits Set to Pay o Total ACH Debits Set to Return o Total ACH Debits that are Approved List Exceptions The Dashboard is a quick reference summary of the current day s file information. The Dashboard allows you to access the individual product modules. VIEWING THE DASHBOARD End of Day Information The current Day, Time and Time Zone are listed ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 2

4 Direct links to Specific Transactions Total ACH Debits User Privilege Required: Transaction History All ACH Debits will be displayed Set to Pay User Privilege Required: Transaction History ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 3

5 System ACH debits set to pay based on Default selection setup by Regions. User ACH debits the Client User has selected to pay. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 4

6 Approved List ACH debits that fall with the parameters of the Approved List to be paid. FI ACH Debits that the FI User has selected to pay. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 5

7 Set to Return User Privilege Required: Transaction History System ACH debits set to return based on Default selection setup by Regions. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 6

8 User ACH debits the Client User has selected to return. FI ACH Debits that the FI User has selected to return. Approved List Exceptions ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 7

9 Items not paid via Approved List Pay will display ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 8

10 Viewing the Dashboard after EOD with Additional File Load Parameters to view the additional dashboard after End of Day End of Day for the current day has run A second file is loaded with the next business day transaction Prior to Midnight on the current day USER PRIVILEGES Click Manage Users to open the Users page. User Privilege Required: Admin (Manage other non-admin users) Option Create New User Search To Edit User User Type Description Click Create New User The Name is the First Name and Last Name entered on the Create New User page. To search by name, enter the first character or first few characters of the Name in the Search box Click the user s name to go to the User s User Information page. A Client User with the Manage Users privilege can view and edit Normal and Inactive Users. The Financial Institution can view and edit Admin Users. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 9

11 Assigning User Privileges Click Manage Users to open the Users page. User Privilege Required: Admin (Manage other non-admin users) Click Create New User to open the Create New User page. Click in the First Name box. Type the User s first name. User s First Name will appear in the box and in the Green Box above the User Information. Click in the Last Name box. Type the User s last name. User s Last Name will appear in the box and in the Green Box above the User Information. Click in the box. Type the User s . Click in the Contact Phone Number box. Type the User s contact phone number. Cell Phone Number is optional. Click in the Cell Phone Number box. Type the User s cell phone number. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 10

12 Click Create User to expand the page. The PRO-TECH section appears, which includes the Accounts and User Privileges. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 11

13 Adding Accounts Select the accounts the User will have access to from the Available Accounts and use the arrows in the middle to move the accounts to Selected Accounts. Double click the account under Available Accounts to move the account to Selected Accounts. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 12

14 Selecting User Privileges Selecting all none By selecting all, the user will be assigned all user privileges By selecting none, the user will not be assigned any user privileges. Previously assigned user privileges will be removed when none is selected. Clicking in the box beside each user privilege will add or remove the checkmark from the box. Adding a checkmark will give the user that privilege, removing the checkmark will remove the privilege from the user. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 13

15 Defining User Privileges User Privilege Description Setup Act on Approved List User has the privilege to view transactions and to add companies to the Approved List. Approved List User has the privilege to view Approved List report. Change Transaction Status User has the privilege to view transactions and to change the status of transactions. User must also have User Privilege Transaction History. View Transaction Decision Transaction Notification Rules User has the privilege to configure the notification conditions for accounts. Notification Rules Report Transaction History User has the privilege to view Notification Rules for accounts. User has the privilege to view transactions. Click Save User Success Message: User Saved ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 14

16 Edit User Privileges Click Manage Users to open the Users page. User Privilege Required: Admin (Manage other non-admin users) Click the User Name to Edit ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 15

17 Click in the First Name box. Edit the User s first name. User s First Name will appear in the box and in the Green Box above the User Information. Click in the Last Name box. Edit the User s last name. User s Last Name will appear in the box and in the Green Box above the User Information. Click in the box. Edit the User s . Click in the Contact Phone Number box. Edit the User s contact phone number. Cell Phone Number is optional. Click in the Cell Phone Number box. Edit the User s cell phone number. To Edit Add Accounts Select the accounts the User will have access to from the Available Accounts and use the arrows in the middle to move the accounts to Selected Accounts. Double click the account under Available Accounts to move the account to Selected Accounts. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 16

18 Selecting User Privileges Selecting all none By selecting all, the user will be assigned all user privileges By selecting none, the user will not be assigned any user privileges. Previously assigned user privileges will be removed when none is selected. Clicking in the box beside each user privilege will add or remove the checkmark from the box. Adding a checkmark will give the user that privilege, removing the checkmark will remove the privilege from the user. User Privilege Description Act on Approved User has the privilege to view transactions List and to add companies to the Approved List. Approved List User has the privilege to view Approved List report. Change Transaction User has the privilege to view transactions Status and to change the status of transactions. User must also have User Privilege: Transaction History. Notification Rules User has the privilege to configure the notification conditions for accounts. Notification Rules User has the privilege to view Notification Report Rules for accounts. Transaction History User has the privilege to view transactions. Setup Required to Perform View Transa Decision ction Transaction ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 17

19 Select Save User Success Message: User Saved PREFERENCES General Preferences Click on the User s Name to open the Preferences page. Default Pages gives the user the ability to choose the default landing page. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 18

20 ACH Alert allows the user to select the default landing page within the applicatoin. Reports/Approved List Reports/Notification Rules Report Setup/Approved List Setup/Notification Rules Transaction History NOTIFICATION RULES Setup Notification Method and Condition NOTE: The default notification method is via with the being sent to the default client user. The notification condition is to Notify for all Debits. The default client user can be changed once multiple users are setup in the system. Click Setup and then Notification Rules to open the Notification Rules page. User Privilege Required: Notification Rules ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 19

21 The Select Account(s) is a listing of all Account Numbers the User has access to. Account numbers with an * have the default notification rules with the notification method being , the is going to the default client user and the notification condition is to Notify for all ACH Debits. Select Accounts and use the arrows in the middle to move the Account Number(s) to the Account(s) Selected section. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 20

22 Click Next to go to the Contacts page. Contact Phone Text NOTE: Text messaging is an option your Financial Institution may or may not have chosen. This section will only appear if the FI elected to offer Text Message alerts. To add a Cell Phone number, click in the Cell Phone 1 box. Type the 10-digit cell phone number. Please repeat to add up to 5 additional cell phone numbers. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 21

23 To add an Address, click in the 1 box. Type the address. Please repeat to add up to 5 additional addresses. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 22

24 Click Next to go to the Conditions page. Review explanation of the Notification Conditions for when you will receive an ALERT. Condition Notify for all ACH Debits. Notify only when an ACH Debit is over Explanation You will receive an ALERT for every ACH Debit to your account. Enter the dollar amount You will receive an ALERT for all ACH Debits greater than the dollar amount. Notify only when an ACH Debit meets one or more of the following criteria Notify only when an ACH debit is received from a Company not on the Approved List or does not meet the parameters on the Approved List You will not receive an ALERT for an ACH Debit equal to or less than the dollar amount. You will receive an ALERT for the criteria you select. Select one, two or all three criteria: Payment made by check Payment made over the Internet Payment made over the phone You will receive an ALERT for ACH Debits from a Company not on the Approved List that do not meet the parameters of a Company on the Approved List You will not receive an ALERT for ACH Debits that meet the parameters of a Company on the Approved List. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 23

25 Select the notification that the User wants to apply to this account number or group of account numbers. Click Next to go to the Confirm page. Review the Account(s), Contact(s) and Condition. To make a change, click Back. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 24

26 Click Save Success Message: Notification Rules have been configured successfully NOTE: If the default Notification Rules have been changed, the Account will no longer have * Restoring Notification Contact and Condition to Default Client User Click Setup and then Notification Rules to open the Notification Rules page. User Privilege Required: Notification Rules The Select Account(s) is a listing of all Account Numbers the User has access to. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 25

27 Account numbers with an * have the default notification rules with the notification method being , the is going to the default client user and the notification condition is to Notify for all ACH Debits. Select Accounts and use the arrows in the middle to move the Account Number(s) to the Account(s) Selected section. Click Next to go to the Contacts page. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 26

28 Use Default Contact and Condition Select the box Checkmark appears in box Click Next to go to the Confirm page. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 27

29 Review the Account(s), Contact(s) and Condition. To make a change, click Back. Click Save Success Message: Notification Rules have been configured successfully NOTE: If the default Notification Rules have been changed, the Account will no longer have * Account Added After Initial Setup NOTE: In the Notification Rules, an account added after initial setup will be included in the Account List and display for the Client Users that have access to that account. The Account Number will have an * indicating the default notification rules with the notification going to the Default Client User and the notification condition to Notify for all ACH Debits. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 28

30 ALERT NOTIFICATIONS ALERT Notifications Per Transaction Message Sample ALERT ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 29

31 TRANSACTION HISTORY NOTE: Transactions that will be paid will have green shading as a background. Transactions that will be returned will have yellow shading as a background. View Transaction History Click Transaction History to open the Transaction History page. User Access Right: Transaction History ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 30

32 Transaction Status Accounts set to Pay All Starting Status Changed To Description Pay System Transaction loads with status Pay System if Company ID does not meet Approved List parameters. Approved List Pay Transaction loads with status Approved List Pay if Company ID does meet Approved List parameters. Pay - System Return - Client User may change transaction status User to return the transaction which will change the status to Return - User. This action must be performed within the Return Deadline Rules. Approved List Pay Return - User Client User may change transaction status Approved List Pay to return the transactions which will change the status to Return - User. This action must be performed within the Return Deadline Rules. Return User Pay User Client User may change transaction status Return User to pay the transaction which will change the status to Pay User. This action must be performed before the end of day. Transactions with status Return User after end of day cannot be changed to pay. Pay User Return User Client User may change transaction status Pay User to return the transaction which will change the status to Return User. This action must be performed within the Return Deadline Rules. Change Allowed Until Return Deadline Rule Expires Return Deadline Rule Expires End of Day End of Day Return Deadline Rule Expires End of Day ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 31

33 Accounts set to Return All Starting Status Changed To Description Return System Transaction loads with status Return System if Company ID does not meet Approved List parameters. Change Allowed Until Return Deadline Rule Expires Approved List Pay Transaction loads with status Approved List Pay if Company ID does meet Approved List parameters. Return System Pay User Client User may change transaction status Return System to pay the transaction which will change the status to Pay User. Approved List Pay Return User Client User may change transaction status Approved List Pay to return the transaction which will change the status to Return User. Return Deadline Rule Expires End of Day Return Deadline Rule Expires Return User Pay User Client User may change transaction status Return User to pay the transaction which will change the status to Pay User. End of Day Pay User Return User Client User may change transaction status Pay User to return the transaction which will change the status to Return User. Return Deadline Rule Expires The transaction details are displayed for files loaded on the date shown in the upper right-hand corner. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 32

34 Clicking on the > will expand the detailed information for each transaction listed. Click Filters to customize the search options. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 33

35 Option Min Amount Max Amount Transaction Status Account Companies Results Enter a minimum dollar amount to search for transactions with at least this dollar amount or more. Enter a maximum dollar amount to search for transactions with this amount or less. Pay System: File Load Status of Transaction from Account set to Pay All Pay User: Client User Change Status from Return System or Return User Approved List Pay: File Load Status of Transaction from Account set to Return All or from Account set to Pay All and the Transaction met the parameters of the Company on Approved List Pay FI: FI User Change Status from Return System or Return User Return System: File Load Status of Transaction from Account set to Return All Return User: Client User Change Status from Pay System or Pay User or Approved List Pay Return FI: FI User Change Status from Pay System or Pay User or Approved List Pay Enter a specific account number Enter a specific company name Date Range can be selected to search for a specific Date or Date Range. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 34

36 Condition Tomorrow Today Yesterday Last 7 Days This Month Last Month Custom Range Explanation allows the user to see transactions for the next business day allows the user to see transactions for the current day allows the user to see transactions for the previous day allows the user to see the transactions from the last 7 days allows the user to see the transactions for the current month allows the user to see the transactions from the previous month allows the user to enter a date range to search the system will store transactions up to 90 days Change Status Click Transaction History to open the Transaction History page. User Access Right: Transaction History and Change Transaction Status Click the box in the under the manage column for the transaction to change the status: Status Change Status ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 35

37 Pay System Pay User Approved List Pay Return System Return User Pay FI Return FI Return User Return User Return User Pay User Pay User Return User Pay - User The user can also Add to Approved List by clicking the Pay box to pay a transaction. Click Add to Approved List to open the Add Company to Approved List window. Field Description Can Be Modified Company ID Populated with data in the transaction Company Name Populated with data in the transaction Max Amount Populated with amount of transaction Frequency Left blank Start Date Populated with date of transaction End Date Left blank Click Save Go back to the Transaction History page. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 36

38 Change Status with Written Statement of Unauthorized Debit If the Transaction is changed to Return User and requires a Written Statement, the Written Statement of Unauthorized Debit window will open. The Written Statement must be completed to Return the Transaction Select the reason for the return. Select Next ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 37

39 Click the I consent to electronically signing this form acknowledgement box. e-signature box will change to Sign Click the Electronic Signature box and type your name. Click Sign. Success Message: Debit will be returned. Click Download PDF for a copy of the Written Statement ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 38

40 Add to Approved List from Transaction History Click Transaction History to open the Transaction History page. User Access Right: Transaction History and Change Transaction Status Click the > beside the transaction. Click Add to Approved List to open the Add Company to Approved List window. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 39

41 Field Description Can Be Modified Company ID Populated with data in the transaction Company Name Populated with data in the transaction Max Amount Populated with amount of transaction Frequency Left blank Start Date Populated with date of transaction End Date Left blank Click Save Go back to the Transaction History page. Add to Approved List from Setup Click Setup and then Approved List to open the Approved List page. User Privilege Required: Approved List View Approved List Field Definitions for details to complete the Approved List entry. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 40

42 Edit a Company on the Approved List Click Setup and then Approved List to open the Approved List page. User Privilege Required: Add to the Approved List Locate the Company. Click Edit in the Edit Column to open the Approved Company page. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 41

43 To search by Company ID, enter the first character or first few characters of the Company ID in the Company ID box To search by Company Name, enter the first character or first few characters of the Company Name in the Company Name box. ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 42

44 Edit the fields and Accounts as needed Click Save Go to Approved List page Success Message: Approved Company Saved Successfully ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 43

45 Delete a Company from the Approved List for all Accounts Click Setup and then Approved List to open the Approved List page. User Privilege Required: Add to Approved List Locate the Company. Check the box in the Delete Column. You may select more than one Company to delete. To search by Company ID, enter the first character or first few characters of the Company ID in the Company ID box ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 44

46 To search by Company Name, enter the first character or first few characters of the Company Name in the Company Name box Click Delete Selected Success Message: Approved Companies Deleted Successfully ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 45

47 REPORTS Notification Rules Report Click Reports and then Notification Rules Report to open the Notification Rules Report page. User Privilege Required: Notification Rules Report Field Account Number Account Setting Notification Condition Debit Amount Check Cellphone Internet Phone Description The full Account Number Pay All Return All All Debits Debit Only with the Debit Amount Company Not in Approved List If Notification Condition is Debit Only with the Debit Amount, the amount entered will be displayed. If Notification Condition is ACH Debits with Check/Internet/Phone is selected If Check is selected, Y will be present If Notification Condition is ACH Debits with Check/Internet/Phone is selected If Internet is selected, Y will be present If Notification Condition is ACH Debits with Check/Internet/Phone is selected If Phone is selected, Y will be present address(es) that will receive ALERTs Cellphone numbers(s) that will receive ALERTs ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 46

48 Approved List Click Reports and then Approved List Report to open the Approved List Report page. User Privilege Required: Approved List The Account dropdown menu will allow the user to search approved list entries by account number. Select the account number from the dropdown menu Click Search ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 47

49 All approved list entries will appear for the account number selected. Click Cancel Return to the Client Base main page ACH ALERT COMPLETE CLIENT USER GUIDE PAGE 48

50 This guide is for general informational and reference purposes only and is entirely subject and subordinate to the terms of the respective written agreements for the products and services described above. This guide does not constitute a contract or representation or warranty of any kind, express or implied, nor does it in any way supplement, replace, modify, or amend the terms and provisions of the written agreements that govern the products and services. You should review actual product and service agreements carefully to understand the terms that govern the products and services and the rights, responsibilities, and liabilities of parties thereunder Regions Bank. Member FDIC.