Bank-FSFM
The "Bank-FSFM" subsystem provides the bank's head office and branches with the functionality for collection and delivery to the Federal Service for Financial Monitoring (FSFM) of information on cash transactions subject to mandatory control in line with CBRF's Instruction No. 115-ÔÇ (Rus) "On impeding legalization (money-laundering) of criminal revenues and financing of terrorism".
Features
- Creates and maintains a database of messages in the bank's branches and head office
- Controls messages on the side of a branch and head office
- Exports messages (batch) into a file for FSFM
- Processes acks from FSFM
Key advantages
- Cutting down manual labour, providing handy tools for accounting of remote customers' payment documents in line with Instruction No. 115-ÔÇ (Rus);
- Auto-controlling accuracy of fields population, including posting of documents with inaccuracies or errors;
- Convenient self extension of the subsystem by the bank's specialists: rules for populating, checking, and introducing master data as well as visual components (program menus, screen and print forms of documents) are described on the built-in subject-oriented system language BS-Script, which enables solution modification without the developer's assistance;
- Friendly interface with full functionality - extensive capabilities to filter and search against main parameters, sort, edit messages, delete messages on the server;
- Capability for the bank's head office to collect information of cash transactions subject to mandatory control from all branches and submit them to FSFM, in the centralized mode.
Working in the system
Messages within Bank-FSFM are generated:
- Automatically (at the start of the procedure with formalized criteria for filtering documents from banking systems, with a date when a given operation must be performed, or through the scheduler procedure, started by the bank at any convenient time (e.g., at night), that filters documents as of a latest work date);
- Half-automatically (a query is generated from the complex to the banking system, with main system parameters, with subsequent loading of all relevant information: document number, amount, date (date of executing the document within ABS), debit and credit accounts (optional));
- Manually (a message created through populating an input screen);
- Import from DBF files that some ABS can prepare (at a mandatory check through implemented control, all (without exception) transactions are imported from the DBF file).
An authorized person (operator) of a branch (or head office) imports (or creates manually) "Information..." from the bank's (branch's) ABS. Upon import, s/he can view and edit documents, print documents and a register of documents. If the operator is not sure that a document needs to be sent to FSFM, s/he can put a tick in the "Additional control of HQ" document field. The operator shall digitally sign the prepared documents and send them to the headquarters (HQ).
The subsystem generates one message per financial document. Branches exchange encrypted documents with the head office (document are auto-encrypted).
The headquarters of the bank shall have two workplaces installed:
- Operator workplace for an operator to prepare documents to be transmitted to FSFM (similar to an operator workplace in branches);
- Authorized person workplace for the bank's authorized person for FSFM interoperation. The authorized person shall use this workplace to control documents from all branches, generate a file with "Information..." for FSFM and process acks from FSFM.
The authorized person can confirm receipt of documents or send them back for fixing errors to a source branch. With documents receipt confirmed, the authorized person at the HQ can make them "For sending" to start exporting a batch into a DBF file. To refuse a document from a branch, a reason why it should not be submitted to FSFM should be specified, or the document must be made "For sending". "For sending" documents would be exported into the DBF file for FSFM (the file would be generated in the format in line with applicable requirements of CBRF, signed and encrypted by the "Verba-ÎW" cryptographic tool). The system auto-processes acknowledgements from FSFM and changes statuses of documents both on the HQ's server and in branches.
A relevant report as of a date is generated for documents submitted to FSFM, with the batch number specified, and signed by the authorized person.
Security and cryptographic protection
In line with CBRF's requirements, DBF files with exported "For sending" documents are generated (including signing and encryption) by "Verba-ÎW". Application of the "Verba-ÎW" cryptographic security tool (certified by RF FSB) shall ensure the bank using Bank-FSFM encryption of files and generation of digital signatures for files transmitted through communication channels in line with RF standards GOST Ð 34.10-94, GOST Ð 34.11-4, GOST 28147-89.
Please contact BSS's sales department for more information on the subsystem: (495) 785-0494.
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