CIF
User’s Guide
FCM Suite document
CIF User Guide
0.2 Version (January 2016)
Internet
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Table of Contents
Chapter1.About This Publication ............................................................................................... 5
Related information ................................................................................................................ 5
Document pertinence ............................................................................................................. 5
Audience ................................................................................................................................ 5
Special Conventions .............................................................................................................. 5
Summary of Changes ............................................................................................................ 6
Introduction to CIF.................................................................................................................. 6
Chapter2. Message (hit) flow ..................................................................................................... 7
Chapter3.Getting Started with CIF ............................................................................................ 9
Chapter4.Evaluation of CIF alerts ........................................................................................... 11
View Preferences ................................................................................................................. 11
Simple Filter...................................................................................................................... 12
Advanced Filter................................................................................................................. 12
Order ................................................................................................................................ 15
Columns ........................................................................................................................... 16
Messages ............................................................................................................................. 17
Viewing a Message .......................................................................................................... 17
Opening a record .............................................................................................................. 18
Message Evaluation ......................................................................................................... 19
Alert Evaluation ................................................................................................................ 21
Evaluation-related Documents ......................................................................................... 22
Message Evaluation ............................................................................................................. 24
Glossary ................................................................................................................................... 25
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Information in this document is subject to change without notice.
No part of this document may be reproduced or transmitted in any form or by any means, for any purpose, without the express written
permission of TEMENOS HEADQUARTERS SA.
COPYRIGHT 2007 - 2010 TEMENOS HEADQUARTERS SA. All rights reserved.
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Chapter1.About This Publication
This publication helps the CIF users to evaluate and process potentially risky financial CIF
records. The objective of this document is to provide the necessary background information,
the User Interface description, and detailed descriptions of how to operate the main CIF
functions.
The purpose of this guide is to help CIF users to evaluate suspicious customers.
Note: The concept of a message is linked to the CIF record under this application. Therefore,
in order to avoid any confusion, we use the term “Message” and “CIF record” interchangeably.
Related information
For information about Temenos products, see: Temenos Company Web site
(http://www.temenos.com)
For information about related products, see:
Profiling User’s Guide;
Rule Manager User’s Guide;
Reports User’s Guide;
Security User’s Guide;
KC+ User’s Guide;
Watch List Manager User’s Guide;
Web Inquiry User’s Guide;
Rule Editor User’s Guide;
Application Run Manual.
Document pertinence
This document applies to the FCM Suite projects.
Audience
This guide is intended for engineers responsible for day-to-day optimization of the application.
Special Conventions
Conventions used in this guide:
Convention Meaning
Bold - Object of an action: menu names, field names, options, button names
- Commands typed at a prompt
- User input
Italic - Names of books, chapters and sections as references
- Emphasis
Monospace - Directories and subdirectories
- File names and extensions
- Process names
- Code sample, including keywords and variables within text and as separate paragraphs,
and user-defined program elements within text
<Variable> - Substitute input value
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Summary of Changes
This publication contains additions and changes to information previously presented in CIF
User's Guide.
General changes -
New information -
Changed information -
Deleted information -
Introduction to CIF
The FCM Suite system is designed to scan messages made across international borders. The
system is verifying if the payer, payee, and the payment narrative are subject to one or more
of the following criteria:
- Watch lists of individuals or entities to which sanctions apply;
- Payments made to and in countries listed on the Financial Action Task Force on
Money Laundering’s Non-Compliant Countries or Territories list;
- Payments made to individuals or entities listed on the Office of Foreign Assets (OFAC)
register;
- Any locally applied lists of individuals or entities.
Note: The client must have a valid license. Additional lists can be configured depending on
the customer requirements.
The Scanning Engine detects the messages that contain possible hits against watch and
money flow lists then send for review to CIF operators.
CIF handles the review process, where authorised users can confirm or reject the suspicious
hits against customer information data.
Within the Message Evaluation, the actual message, and the source records of the
corresponding watch lists that provoked the hit are provided to the user.
The message evaluation tool within CIF provides a web based graphical interface to view:
- all the messages that require evaluation;
- in detail the hits that were found in a message;
- the Interdict Data relating to each hit found.
The user has the possibility to:
- evaluate the suspicious hit(s) found by the system;
- provide comments on the investigation and evaluation of the risk;
- view the evaluation and comments of other evaluators depending on personal rights;
- automatically redirect messages according to the institution’s specific rules.
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Chapter2. Message (hit) flow
The following figure shows an overview of how are messages handled by the Scanning
Engine, and delivered to the Alert Manager.
Based on compliance criteria as defined by the bank, messages are sent by the Message
Brokering (MB) services to the Scanning Engine.
Scanning Engine screens the messages for possible hits and replies instantly:
- if no hit value is found, an OK notification is sent to the MB;
- If a hit value is detected, a Hit notification is sent to the MB, and the message is
copied to the Alert Manager database.
An authorized Alert Manager operator examines the reason, and assigns a true or false flag
to the hit.
The Alert Manager rule based process decides:
- if the message should be released to the MB;
Or
- if the message should be evaluated by another operator, to confirm the decisions of
the previous Alert Manager operator.
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After is evaluated by all the authorized operators the message is:
- released to the MB for regular message processing;
Or
- cancelled and taken out of the message process.
A Final Notification with the status of the message is automatically sent to the MB:
- Approved: all hits are considered invalid, and the normal workflow is continuing;
- Cancelled: hits that are considered valid, case in which is taken out of the normal
workflow.
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Chapter3.Getting Started with CIF
This section describes how to initialize and perform simple tasks using Evaluation of CIF
alerts.
To start the Evaluation of CIF alerts:
1. Access the following URL, using a web browser:
http://hostname:port/vrisk/app/
Where:
- hostname: the host or the IP address of the server containing the FCM Suite
applications;
- port: the TCP port number listening to HTTP requests.
Note: You need to contact the system administrator for the values that apply to
your organisation.
2. Log in the application by typing your user name and password.
3. Click OK to start the application.
4. In FCM Suite module home page, click Alert Manager.
The Alert Manager page is displayed:
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Chapter4.Evaluation of CIF alerts
In Alert Manager page, select Evaluation of CIF alerts by clicking icon. The Evaluation
of CIF alerts page is displayed:
The page is divided in 2 main sections:
- View Preferences;
- Records.
View Preferences
This section describes how to perform a filtering function for messages, using more extensive
criteria. The user can sort the list in ascending and descending order using specific fields.
E.g.:
There are four tabs for filtering:
- Simple Filter;
- Advanced Filter;
- Order;
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- Columns.
Simple Filter
Simple Filter is used to display a subset of a message. There are four buttons associated with
this tab:
- Apply Simple Filter: applies the current simple filter criteria;
- Use Default Simple Filter: uses the saved default simple filter;
- Clear Simple Filter: clears all the fields in the simple filter;
- Save as Default Simple Filter: saves the current criteria as the default simple filter.
By default, no filter is applied when the initial message list is displayed. In order to work on a
subset of messages, the user can use a filter.
To display only the messages related to a particular person:
1. From View Preferences click Simple Filter. The Simple Filter tab is displayed:
2. In Name, enter the name.
3. Click Apply Simple Filter.
The message list table only displays the messages related to the given name.
Advanced Filter
Advanced Filter is used to perform a complex filter, defining a custom filter of messages
displayed in the list.
There are 2 buttons associated with this tab:
- Apply Advanced Filter: applies the current advanced filter criteria;
- Clear Advanced Filter: clears all the fields in the advanced filter.
To create a custom advanced filter, in order to display only records related to Jones Tom, or
to a person having a first name different of Marc and Mugabe:
1. From View Preferences section, select Advanced Filter.
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2. In Field, click the Size arrow to display the drop-down-box then select Name.
3. Select the operator = and add Jones as value. :
4. Click Add to validate the selection clause. The Name selection is added in the table:
5. In Field, select the First Name selection clause:
a. Select the operator = and the value as Tom.
b. Click Add to validate the selection clause.
The First Name selection is added in the table:
6. To enter the OR statement:
a. In Field, select First Name.
b. Select the <> operator and Marc as value.
c. Click Add in New Alternative, to validate the selection clause.
A new table is created for the alternative (OR) filter selection clause:
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7. Select the First Name with LIKE operator and MUGABE value.
8. Click Add, to validate the selection clause. The selection clause is validated:
9. Click Apply Advanced Filter to execute the filter.
Advanced Filter management for CIF Messages
To save the filter selection:
1. Complete the filter selection and click Save Current Filter. The Advanced
Filters management for CIF Messages page is displayed:
2. In Name field enter a name for the filter.
3. In Description field enter the description details and click Save.
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The filter is saved.
Note: To apply an existing filter, go to Select Saved Filter, and select a saved filter.
Order
Order filter allows the user to sort by a certain field, in ascending or descending order. The
user can change the default order, in order to focus on a different evaluation.
There are 4 buttons associated with this tab:
- Apply Order: applies the current list of fields to display;
- Use Default Order: uses the default list of fields to display;
- Clear Order: deletes the list of fields;
- Save as Default Order: saves the current list as the default list of fields to display.
To define a custom ordering, in order to display the records by descending name and
ascending city:
1. From View Preferences section, click Order.
2. Enter the name order clause:
1. In Field, select Name. .
2. In Order, select Descending value.
3. Click Add to validate the order clause. The table shows the amount order clause:
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4. In Field, select City.
5. In Order, select Ascending.
6. Click Add to validate the selection clause. The table shows the message type order
clause in the table:
7. Click Apply Order to execute the ordering.
Columns
Columns tab allows the user to specify the fields that are displayed in the message list.
There are 4 buttons associated with this tab:
- Apply Columns: applies the current list of fields to display;
- Use Default Columns: uses the default table of fields to display;
- Reset Columns: resets the columns of fields;
- Save as Default Columns: saves the current list as default table of fields to display.
To change the columns displayed in the message list:
1. From View Preferences section click Columns.
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2. Select the columns that you want included in the message list, by activating the
corresponding check-box.
Using the arrows you can change the display order of selected columns.
3. Click Apply Columns, to execute the ordering, the message list table being
structured accordingly.
Messages
This section displays the filter details. The user can view and open the messages, only if has
rights. The Messages section is not refreshed automatically.
The user can click:
- View: to view the record, but the record is not locked so other users can view, open,
and evaluate the record;
- Open: to open the record in evaluation mode.
Opening a record means that the user can evaluate the record, but other users can
only view the record and do not have access to evaluate as well.
Note: In certain cases, it may be necessary to force open the message. Only a user with the
appropriate authorization can force open the message; the original user is not able to
complete the evaluation. An error message is displayed to the original user, issuing a warning
when tries to commit.
A warning is given whenever a user tries to close a message, or return to the list of messages
without committing the changes made.
Viewing a Message
To view a message details:
1. Go to Records section:
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Note: Even if a user is viewing a message, other users can open and evaluate the
message. The Record Evaluation page displays all information related to the
message. No action can be made on this message as it is opened in view mode.
2. In Action, and click View. The Records View page is displayed:
All information related to the message and the related hits are displayed. In View
mode you cannot modify the evaluation.
3. Click Back to List, to exit the view.
Opening a record
You cannot open all the messages. Some messages can be already opened by other users,
or your profile might not allow you to access messages in particular stages of the evaluation
process. When a message is available for evaluation process, it has an Open button in
Action column.
To open a message:
1. Go to message grid page. In Action, click Open. The Record Evaluation window is
displayed:
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2. Evaluate the message, then perform one of the following actions:
- Commit: to commit the evaluation within the system and release the message;
- Close: to close the message without saving the evaluation.
Note: The user can open only one message at a time. To open different messages, it is
required to close the previous one first.
Message Evaluation
The Message Evaluation allows the user to analyse the found hits on a specific message, and
to confirm or reject it.
To access or force open the Message Evaluation page, click Open. The Message
Evaluation page is displayed:
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This page is divided in 4 sections:
- Record Details;
- Payload;
- Alert evaluation;
- Message evaluation.
Record Details
This section displays information about the current message:
Payload
This section displays the original message as received from CIF Loader. All hits are bolded.
The current hit that is evaluated in the Alert Navigation box is highlighted in red:
The Payload window has a maximum default size (~ 20 lines). The size can be configured on
a per-installation basis.
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Alert Evaluation
The Alert Evaluation section is divided in two subsections:
- the Alert Navigation;
- the hit details pane.
Alert Navigation
Alert Navigation subsection displays the list of the hits founded by the Scanning Engine in the
message. The user can switch the hits.
Note: Hits that are skipped by the Scanning Engine are not displayed.
The selected hit is marked with red, and the details are displayed in the hit details pane. First
column displays the hit text with the icon on the left.
The icon represents the current evaluation status of the hit. If the user has rights, then the
evaluation history is displayed for each hit done by previous users.
Hit details
The details of the selected hit are displayed next to the Alert Navigation subsection.
Each hit must be evaluated to true or false with an evaluation comment. Click Apply/Next to
save the evaluation.
Note: List of possible evaluation results and their visibility to current user is configured in
Rule Manager Application.
The hits that can be auto-evaluated by the system depend on the custom system
configuration. An auto-evaluated hit can be changed manually but the reverse is not true.
Each hit group section includes:
- History;
Note: This section is available only if the user has rights.
- Rules subsections for a specific hit pattern.
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Rules
This section displays the details of each entry that are associated to the hit pattern.
E.g.:
You must use this information to evaluate if the entry corresponds to a true or a false hit. The
entry against hit that is found in the record is highlighted.
Note: Scanned text is transformed by scanning methods when running. There are situations
when no entry is highlighted in the rules section.
History
This section summarises the previous evaluations and lists in a table format. The history
details are displayed when the user is viewing a record.
Note: To view the historical evaluation information you need to have a specific authorisation
in your user profile. If there is no authorisation, e.g. for 1 st Level Evaluators, then this section
is not displayed.
Evaluation-related Documents
To allow the users to attach documents the action rule x is configured. If a user has the rights
to attach documents then the following panel is visible:
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The user can only remove the attachments that are uploaded.
The files are attached to the message until it is force-opened by another user. The
attachments are removed when the message is opened by another user.
Attachments remain in the DB when the message goes to output, and can be linked to the
stats tables.
Another user can view the attachments only as long as that user can view the state of
message evaluation history, to which the attachments are linked.
The following apply:
- the maximum number of attachments that can be uploaded by a user for a single
message state is 50;
- the maximum attachment size is 5 Megabyte (5242880 byte);
- attachments are not compressed (are saved in the database);
- no restriction is available.
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Message Evaluation
The Message Evaluation allows the user to analyse the found alerts on a specific message.
This section is mandatory. The reason code drop-down list displays a list of pre-defined codes
from which you may choose. Each institution may define the reason codes in line with their
requirements. It is good practice to add comments to provide further information justifying the
evaluation. The reason code is mandatory and if there is only one in the table, it is
automatically selected. The comment field is limited to 1024 characters.
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Glossary
Alert
An alarm or other signal of risk.
Black List
These include lists of sanctioned entities: individuals, companies, countries etc.
FCM
Financial Crime Mitigation
Hit(s)
The identification of suspicious conditions: client, transaction etc.
Hold for Investigation
A message is reserved in order to save the current evaluation. The users that do not have
rights are not able to access the message.
Interdict or Interdict Entry
The interdict entry is an entry that is available in an interdict list. An alert is generated when
an interdict entry is detected in a transaction or customer record.
Method-Score
Hit score calculated by the Scanning Engine.
OFAC
The Office of Foreign Assets Control of the United States
Pattern
A literal indication of the hit.
SAR
Suspicious Activity Report
STR
Suspicious Transaction Report.
SWIFT
Society for Worldwide Inter-bank Financial Telecommunication
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