Aller au contenu principal

M08. Cergi compliance

Applications group producing regulatory reports required by the authorities.

M08_1. Cergi compliance Reporting​

M08_1.1. Management and Data cleaning of BCEAO attributes​

Automated management of regulatory attributes as defined by the BCEAO

  • Main functions
    • Setting regulatory attributes
    • Assigning attributes to counterparties
    • Assigning attributes to accounts
    • Assigning attributes to transactions
    • Data cleaning of erroneous attributes
    • Archiving and retrieval

M08_1.2. Etats périodiques​

Automated production of accounting statements and appendices.

  • Main function
    • Management of regulatory parameters
    • Input data loading
    • Data processing
    • Rounding management
    • Consistency check
    • Consultable audit trail
    • Multi-format editing of accounting statements and notes
    • Generation of flat files for filing
    • Archiving and consultation

M08_1.3. Publishable financial statements CRAEF​

Automated production of Financial Statements and Reserve Requirements.

  • Main functions
    • Management of regulatory parameters
    • Loading of input information
    • Processing
    • Consistency check
    • Searchable audit trail
    • Multi-format editing of financial statements and appendices
    • Archiving and consultation

M08_1.4. Prudential statements (FODEP...)​

Automated production of prudential statements using the Prudential Declaration Form (FODEP) in accordance with Basel 2 & Basel 3 requirements.

  • Main functions
    • Management of regulatory parameters
    • Input data loading
    • Data processing
    • Rounding management
    • Consistency check
    • Consultable audit trail
    • Multi-format editing of prudential statements and appendices
    • Archiving and consultation

M08_1.5. Prudential consolidation​

Consolidation of the accounting position and ratios of the branches and companies under its control at parent company level.

  • Main functions
    • Management of regulatory parameters
    • Loading of input information
    • Management of reciprocal accounts
    • Processing FODEP statements on an aggregated or consolidated basis
    • Rounding management
    • Consistency checks
    • Consultable audit trail
    • Editing of consolidated prudential statements and notes in multiple formats
    • Archiving and consultation

M08_1.6. Credit Information Office and Risk Centre​

Automated production of customer consents and non-consents under the NT1 template for the Credit Information Office (BIC) and the Central Risk Office (Centrale des Risques) respectively.

  • Main functions
    • Management of regulatory parameters
    • Input data loading
    • Data processing
    • Customer consent management
    • Consistency check
    • Multi-format document output:
      • Contract for consenting customers to the Credit Information Office
      • Contract for non-consenting customers to the Central Risk Office (CR)
      • Contract generation in zipped XML files
      • Encryption of generated files
    • Archiving and consultation

M08_1.7. Payment incident centre​

Automated reporting of incidents involving payment instruments (cheques, bank cards, bills of exchange) and account openings and closures to the Central Bank.

  • Main functions
    • Management of regulatory parameters
    • Input data loading
    • Data processing
    • Consistency checks
    • Multi-format editing of financial statements and appendices
    • Archiving and consultation
    • Regulatory declarations for
      • Account openings,
      • Changes recorded on accounts
      • Account closures
      • Incidents
      • Irregularities
    • Generation of reporting files and reports

M08_1.8. Balance of payments​

Automated production and generation of statements relating to all payment transactions by credit institutions with their correspondents in accordance with the new BCEAO requirements.

  • Main functions
    • Management of regulatory parameters
    • Loading of input information
    • Processing
    • Consistency check
    • Editing :
      • Notices of transfers received
      • Payment Reports
      • BP1: Statement of foreign correspondent account movements
      • BP2: Statements of balances in currencies included in the reporting bank's balance sheet
      • BP3: Purchases and sales of manual foreign exchange instruments
      • BP4: Data on the use of bank cards and money transfers
    • Archiving and consultation

M08_1.9. The fight against money laundering and terrorist financing​

Automated processing and reporting of suspicious transactions by banking customers to the Monetary Authorities.

  • Main functions
    • Multi-criteria settings:
    • Individual profiling of portfolio customers by country of residence/province and business sector
    • Transaction frequency and threshold amounts (daily, weekly and monthly)
    • Blacklists (UEMOA, FATCA, EU, etc.)
    • Upstream management of suspicious transaction alerts
    • Near-real-time data processing
    • Editing :
      • Form for suspicious transactions to be reported to CENTIF
      • Alert management
    • Archiving and consultation

M08_1.10. General banking conditions​

Automated processing and generation of reports on general banking conditions and business surveys.

  • Main functions
    • Management of regulatory parameters
    • Loading of input information
    • Processing
    • Consistency check
    • Editing :
      • Monthly flat file or CSV file of bank conditions containing credit data, discounted bills of exchange and term deposits
      • Quarterly flat file or CSV file of bank overdraft authorisations
      • Quarterly XLS file containing data on the business survey on the distribution of bank credit.
      • Quarterly XLS file containing survey data on general banking conditions.
    • Archiving and consultation

M08_1.11. BANK COMMISSION verification file​

Automated extraction and formatting of files to be made available to BANK COMMISSION inspectors during their on-site inspections.

  • Main functions
    • Management of regulatory parameters
    • Loading of input information
    • Processing
    • Consistency check
    • Editing :
      • Customer database flat file
      • WIP flat file
      • Transaction flat file
      • Bank transaction file in txt format
      • File of balance sheet and off-balance sheet account balances for years N, N-1, N-2 in txt format
      • File of income and expense account balances for years N, N-1, N-2 in txt format
      • Archiving and consultation

M08_12. Documentary inspection​

Automated processing and generation of reports required by the BANK COMMISSION's control missions relating to governance, control bodies, the balance sheet and the various risks incurred.

  • Main functions
    • Management of regulatory parameters
    • Loading of input information
    • Processing
    • Rounding management
    • Consistency check
    • Searchable audit trail
    • Editing :
      • Flat file with breakdown of balance sheet accounts by residual maturity
      • CSV file with information on governance, external control and statistical data
      • Monthly flat file of responses to questionnaires on governance, risk and control, credit risk, etc.
    • Archiving and consultation

M08_13. Management of dormant accounts​

A series of technical provisions for declaring to BCEAO accounts that have been inactive for at least 10 years.

  • Main functions
    • Management of regulatory parameters
    • Loading of input information
    • Processing
    • Rounding management
    • Consistency check
    • Searchable audit trail
    • Editing :
      • Dormant accounts over a given period
      • Dormant accounts
    • Generate CD flat file for reporting
    • Archiving and consultation

M08_2. Cergi compliance CDL​

M08_2.1. Doubtful and disputed debts​

Management of Doubtful and Litigious Debts, Restructured Debts of Credit Institutions following the reforms of the Central Bank of West African States (BCEAO).

  • Main functions
    • Automatic and semi-automatic downgrading of qualified unpaid instalments
    • Automatic calculation and booking of interest on arrears on downgrading
    • Automatic calculation and booking of depreciation and/or provisions
    • Automated management of recoveries of attached receivables and unpaid receivables
    • Creation and adjustment of depreciation on due dates
    • Calculation of default interest on unpaid amounts
    • Automated management of reversion to better fortunes and reclassification as definitively sound
    • Archiving and consultation
    • Management of alerts on accounts likely to be downgraded to CDL

M08_2.2. Debt restructuring​

This function allows you to restructure the debt of a customer who is experiencing difficulties or is about to experience difficulties in repaying their instalments.

  • Main functions
    • Automated calculation of the basic amount of the Amortisation Table (AT) for the restructured loan
    • Automatic generation of the TA with distribution of the marginal costs of the restructured loan
    • Automatic calculation and distribution of the restructuring discount
    • Restructuring file set up
    • Automatic payment of instalments on restructured loan
    • Automatic recovery
    • Automated management of the return to better fortunes and reclassification as a permanent loan
    • Downgrading to CDL
    • Archiving and consultation

M08_2.3. Extra-accounting management and monitoring of bad debts​

This module is used to monitor CDLs that have been reclassified as bad debts.

  • Main functions
    • Automatic reclassification of CDLs as bad debts at the end of the 5th accounting period
    • Monitoring of actions taken and to be taken
    • Extra-accounting management of recoveries
    • Management of action alerts
    • Notification of movements to managers
    • Recovery status
      • By agency
      • By manager
      • By period
    • Follow-up of customer arrears
    • Statistics on irrecoverable customers
      • By branch
      • By manager
      • By period
    • Archiving of documents relating to bad debts.

M08_2.4. Litigation management/Insurance​

Automated management of the various aspects of a litigation file.

  • Main functions
    • Entry of court officers
    • Monitoring of hearing dates
    • Reminder of hearing dates
    • Entering hearing reports
    • Calling up guarantees
    • Management of legal expenses
    • Information received, search for confirmation
    • Request for documents from the deceased's parents
    • Receipt and validation of documents
    • Transmission of documents to the insurer
    • Receipt of cheque / bank transfer