Management Information Systems Implementation for Financial Institutions - RFP Template

8/2/2019 Management Information Systems Implementation for Financial Institutions - RFP Template

1/29

Management Information

Systems Implementation for

Financial Institution- RFP

Template

KEY

Importance to BankM Must HaveN Nice to HaveB Bells & Whistles

Requirement Met?2 Perfect

1 Met - Modifications Required0 Not Met

1.0 OPERATIONS - GENERAL

1.1 Ability to do accruals automatically for user-definedperiods

M

1.2 Ability to make adjustments to standing data whilstmaintaining adequate audit trail.

M

1.3 Ability to maintain dual custody throughout system. M1.4 Ability to provide batch printing of cheques via all

modules.M

1.5 Ability to modify the layout of advices andstatements.

M

1.6 Ability to modify the data set used on an advicetemplate.

M

1.7 Ability to modify the data set used on a statementtemplate.

M

1.8 Ability to generate one advice for a liability assignedto multiple assets.

M

1.9 Ability to generate one cheque from multiple clientaccounts. Should not be limited by account type.

M

1.10 Ability to generate cheques for multiple payees pertransaction.

M

1.11 Ability to select cheque details from a pendingcheque queue when generating cheques.

M

1.12 Ability to associate the cheque reference numberwith a transaction number from a single drill-downinquiry, i.e. no screen switching.

M

1.13 Ability to generate multiple payment methods pertransaction.

M

1.14 Ability to generate multiple settlements from multipleaccounts through one transaction.

M


2/29

1.15 Ability to hold funds on uncleared items. Ability tohandle variable clearing periods per currency andsettlement type automatically.

M

1.16 Ability to configure uncleared funds functionality sothat it acts as a control for:

- Client access to funds

- Nostro Account/Cash Flow Management

M

1.17 Ability to automatically effect Standing Orderinstructions across products. Specify expiry date.

M

1.18 Ability to integrate with the wire services provided bythe organisations commercial bank.

M

1.19 Ability to generate receipts with appropriate details retransaction.

M

1.20 Ability to handle multiple payment methods perreceipt transaction.

M

1.21 Ability to display securities details on advicesgenerated for matched liabilities. Should alsoprovide information across multiple assets for aspecific liability.

M

1.22 Ability to have teller access transactional informationbooked in non-teller areas and update withsettlement details.

M

1.23 Electronic signature imprint to advices. Must be PWprotected.

N

1.24 Ability to inquire on amortisation schedule for a loanor investment online.

M

1.25 Ability to automatically process fees, taxes andpenalties across all products.

M

1.26 Ability for system to notify/alert account officers ofmaturity/expiration dates

M

1.27 Ability for system to notify/alert clients ofmaturity/expiration dates via email

N

1.28Automated Nostro Reconciliation

1.28.1 - Ability to do auto reconciliation of accounts. M1.29 Data Entry / G/L Maintenance

1.29.1 - Ability to enter a description during the dataentry process.

M

1.29.2 - Ability to generate batch reports (showingbatch totals) at the end of each day.

M

1.29.3 - Ability to delete incorrect entries at the fieldlevel.

M

1.29.4 - Ability to generate transaction journal beforeand after batches are authorised, (this willfacilitate easier check-back of items postednext day).

M

1.29.5 - Ability to select from a pick-list or quick searchthe customer account number associated witha transaction.

M

1.29.6 - Ability to enter the transaction rate versususing the system rate for the day during dataentry.

M

1.29.7 - Ability to handle rate and date changes oncontracts with appropriate audit trail and dualcustody control..

M

1.29.8 - Ability to view the transaction date and the M


3/29

value date when querying transactions.1.29.9 - Ability to do batch rate changes on contracts

and generate automatically adjustedschedules.

M

1.29.10 - Ability to pick the contracts from a list andapply the rate change across them even if the

user selected list is across products andclients.

M

1.30 Key System Result Areas Reports:1.30.1 - Loans Pending Payment M1.30.2 - Maturities Reports M1.30.3 - Non Productive Loans M1.30.4 - Extended Loans/Investments M1.30.5 - Unallocated Report M1.30.6 - Allocations Report M1.30.7 - Certificate Reprint M1.30.8 - Expired Allocations M1.30.9 - Commission Reports M1.30.10 - Interest Cost M

1.30.11 - Interest Revenue M1.30.12 - Ability to generate a cost of funds report.

Ability to have it monitored online, real-timeM

1.30.13 - Withholding Tax Reports M1.30.14 - Tax Exemptions based on Client Profile, i.e.

exemptions are not at the product levelM

1.30.15 - Interest Type Reports Interest by category bytenure by currency

M

1.30.16 - Accrual Reports M1.30.17 - Guarantee Reports (by currency, client, credit) M1.30.18 - Arrears Reports aging arrears report M1.30.19 - Transaction Journal M1.30.20 - Loans and Investments Balances Report M

1.30.21 - Threshold Report showing all Investments/Loans over a specified amount (convertcurrencies to base currency)

M

1.30.22 - Threshold Report showing all withdrawals overa specified amount

M

1.30.23 - All renegotiated loans M1.30.24 - All Investments/Loans sorted by currency and

time bucketsM

1.30.25 - Maturities profile report remaining maturitiesreport

M

1.30.26 - Loans by industry N

2.0 FINANCIAL CONTROL

2.1 General2.1.1 - Must offer support for amounts up to

xxx,xxx,xxx,xxx.xxxx (limitless)M

2.1.2 - Support for interest rates in the amount ofxxx,xxx.xxxxxx

M

2.1.3 - Handle exchange rates to six decimal places ofprecision

M


4/29

2.1.4 - Must have support for multiple levels/segmentswithin the G/L account codes.

M

2.1.5 - Descriptions for the G/L account segmentsshould be definable by the user e.g. company(separate legal entities) -> branch ->department -> account -> sub account

M

2.1.6 - Must be able to store descriptions for eachaccount with ability to accommodate charactersof at least (this needs discussion withMimics)

M

2.1.7 - Must be able to capture additional informationfield that can be used to store alternateaccount/reference numbers (i.e. for use inmigration from old account structure on existingsystem to this one)

M

2.1.8 - Ability to support multiple reporting hierarchieswithin the G/L

M

2.1.9 - Ability to generate reports across branches andcompanies.

M

2.1.10 - Ability to create new branches/account etcbased on an existing G/L structure.

M

2.1.11 - Flexibility to adjust MGMT accounts whennecessary in terms of new account number andor structure.

M

2.2 Multi Currency Support2.2.1 - Must support transactions in an unlimited

number of currencies.M

2.2.2 - One currency should be designated as thehome currency

M

2.2.3 - Transaction information must be captured inthe source currency

M

2.2.4 - Automatically calculate and book currencygains/losses according to GAAP/IAS

M

2.2.5 - Offers GAAP options for currency reporting M


5/29

2.3 Allocation

2.3.1 - Should be able to set up automatic allocationaccounts with the allocations based on:- Defined ratios- Proportionate balances based on other

accounts (i.e. based on departmental salespercentage by department)- Non-accounting entries (e.g. square

footage)

M

2.4 Budget Support2.4.1 - Ability to define budgets and maintain history of

prior year/period budgetsM

2.4.2 - Ability to implement budgetary limits/controlsand override functions. Ability to incorporatethese into general workflow

M

2.4.3 - Budget monitoring should be at the FinancialStatement level versus the GL level.

M

2.4.4 - Ability to monitor budget variances M

2.5 Ability to drill down on accounts from P&L andBalance Sheet online. M

2.6 Ability to maintain multiple balance sheets bycurrency.

M

2.7 Ability to review audit trail for each transaction online(drill down review of action to the account level).

M

2.8 Ability to generate reports. M2.9 Ability to generate reports across branches and

companies.M

2.10 Ability to integrate with Data Warehousing systems. M

3.0 OPERATIONS INVESTMENT/RISK MGMT

3.1 Ability to do match many assets to many securities.That is:

- Ability to match one security certificate to oneasset

- Ability to match one security certificate to manyassets

- Ability to match many securities to one asset- Ability to match many securities to many

assets

M

3.2 Ability to do partial allocation of security blocks asper rule above. That is, the ability to break up asecurities block into subsets based on certificatedenomination. For example a block of $20 MillionTreasury Bills may be transferred to 10 certificates of$2 Million Each. Certificates are allocated to clients.A client may be the beneficiary of the full certificateor partial certificate. Partial allocations aretransacted through use of a legal document called aTransfer Form.

M

3.3 Ability to generate advices associated with securitymanagement and modify via Word Processor. Forexample cover letters, transfer forms and routing

M


6/29

slips.3.4 Ability to easily identify the asset or liability

transaction associated with a specific security.M

3.5 Ability to maintain valid security accounts inclusive ofdata such as security name, security type, registrar,transfer agent, issuer, investment type, dividend rate,

dividend date.3.6 Ability to hypothecate client Investment funds againstloans.

M

3.7 Ability to provide a listing of all the loans that havebeen paid down and may require review ofhypothecation status.

M

3.8 Ability to track asset value used for security as apercentage of market value based on the asset type.This percentage should be user-defined and user-maintainable with override provided at transactionlevel. For example 75% of the market value of RealEstate should be booked as security for a loan.

M

3.9 Ability to revalue security value based on marketfeeds, automatic and manual. This is applicable toequities and bonds.

M

3.10 Ability to provide vault management functionality fortracking security items (e.g. Titles, Treasury Bills,Promissory Notes). This includes securities held inan electronic depository and paper- based securities.

M

3.11 Ability to track the relationship between assets andliabilities and securities.

M

3.12 Ability to generate advices based on action takenwith respect to a security, e.g. Discharge Form,Cover Letters, Security Confirmation.

M

3.13 Ability to send reminders for outstanding collateral toAccount Officers

M

3.14 Ability to generate an exception report re outstandingcollateral.

M

3.15 Ability to generate loan status reports based on userdefined rules for automatic status.

M

3.16 Ability to monitor banks exposure due to outstandingcollateral.

M

3.17 Ability to restrict disbursement of funds untilcollateral has been fully established on system.

M

3.18 Ability to track online real-time the assets that areavailable for allocation to new investments.

M

3.19 Ability to prepare and distribute Security Routinginstructions via the system.

M

3.20 Ability to view assets available for allocation to newinvestments. Information should be available viaquery, report and within the transaction workflow.

M

3.21 Ability to handle exchange of securities transactiontype.

M

3.22 Ability to differentiate between blocks of securitiesand the break-down to specific certificatedenominations.

M

3.23 System should allow for manual update ofdenomination break-down because these details areavailable a fortnight following the purchase

M


7/29

transaction.3.24 System should provide an exception list for all

security items that have not been updated(recd/delivered) with certificate breakdown within aspecified period after the transaction date.

M

3.25 Ability to provide information on the availability of the

certificates for allocation to Asset Sale or Repotransactions.

M

3.26 Ability to ensure increased system controls withrespect to securities via a dual custody mechanismfor transactions.

M

3.27 Ability to automatically remove items from theReminder view when documents are received andentered.

M

3.28 Ability to generate one advice across multiplesecurity items, e.g. discharge and cover letters.

M

3.29 Ability to print transfer forms from the system. M3.30 Ability to imprint electronic signature on the transfer

forms.M

3.31 Ability to generate envelopes automatically. M3.32 Ability to have multiple values on a security item.Namely: Market Value, Collateral Value and TrueValue.

3.33 Ability to view vault entries on-line M3.34 Ability to electronically integrate with security vaults

offered by statutory bodies and other financialinstitutions.

M

4.0 MUTUAL FUNDS

4.1 Ability to manage various Fund types: M

4.2 Ability to validate transaction based on the following:- Client number- Account number- Security account- Investment type- Transaction type

M

4.3 Validate redemptions against certificate registration. M4.4 Ability to automatically update the Net Asset Value

(NAV) for each fund from Portfolio Managementsystem.

M

4.5 Ability to automatically generate the new Fund Pricebased on NAV.

M

4.6 Facilitate posting adjustments of distributions. M

4.7 Facilitate verifying commission amounts beforepayout. M

4.8 Ability to sort and total by broker. M4.9 Show certificate numbers on the relevant

transactions.M

4.10 Facilitate purchases for same unit-holder acrossmultiple funds, from a single purchase request i.e.without exiting the purchase entry mode

M

4.11 Facilitate redemptions from same unit-holder acrossmultiple funds, from a single redemption request i.e.

M


8/29

without exiting the redemption entry mode.4.12 Allow for controlled reversal of authorized

transactions i.e. in the event of a returned cheque orunits credited/debited across incorrect accounts.

M

4.13 Process standing / settlement instructions, example:- Pay dividend to a/c, individual, third party

M

4.14 Provide the inability to cancel certificates on whichliens are held (to the amount of units held for lien) M

4.15 Provide the ability to set a lien based on dollaramount versus number of units. The lien unitsshould be calculated automatically and reviewedautomatically as the units are revalued.

M

4.16 Ability to specify a parameter which determines thepercentage of the (total units - lien units) that may beredeemed.

M

4.17 Provide authorised access to remove liens placed oncertificates prior to end of tenure.

M

4.18 Ability to amalgamate certificates i.e. multiplecertificates for units merged as one certificate per

fund.

M

4.19 Ability to split certificates. M4.20 Provide for deferred (xxxdays) settlement capability. M4.21 Facilitate holding securities in different currencies. M4.22 Facilitate fund in different currencies. M4.23 Maintain history of certificates issued to each unit-

holder account, indicating status of each e.g. active;cancelled.

M

4.24 Ability to provide a history of Unit Prices for eachFund.

M

4.25 Maintain and track orders based on:- Order number/Contract Number- Date order placed

- Number of units- Price of units- Broker number- Settlement Date- Company selling / company buying

M

4.26 Ability to provide electronic output for use byregistrar to generate certificates.

M

4.27 Ability to generate Withholding Tax Certificates forFund encashments.

M

4.28 Ability to define new Funds. M4.29 Ability to define and maintain a Fund geared at the

International market and with client access viaInternet.

M

4.30 Ability to modify the tax parameters in an existingfund. The tax changes should be allowedretroactively. Tax calculation should also changebased on the applicable start date.

M

4.31 Ability to monitor securities and assets related tofund portfolio.

M

4.32 Ability to generate customer statements with detailsregarding:

- transaction history- link encashments to a specific fund certificate

M


9/29

(that is, showing the relationship)- ability to see relationship between the original

fund certificate and the balance certificatesresulting from partial encashments.

- provide a consolidated customer statementacross funds

- provide fund growth and client portfolio growthon statement4.33 Ability to generate mailing labels. N4.34 Ability to value the asset portfolio. M4.35 Ability to issue provisional and non-provisional units. M4.36 Ability to handle Standing Instructions for purchase

of Units.M

4.37 Ability to price Units and administer fees and taxes.Include preliminary fees and rebates. These feesshould be parameterised based on fund, value oftransaction.

M

4.38 Provide ability to waive fees at the transaction level. M4.39 Provide ability to waive fees at the client level. M

4.40 Ability to transfer units from one holder to anotheracross funds. M

4.41 Ability to provide for input of dividend payment datesand rates.

M

4.42 Ability to generate receipts and cheques withmultiple payees and payment methods pertransaction.

M

4.43 Automatically calculate and allot dividend amountsfor unit-holder accounts as due.

M

4.44 Calculate withholding tax on dividends paid. M4.45 Ability to book asset values and accrue for

appreciation over the period.M

4.46 Ability to capture expenses paid and expenses

accrued.

M

4.47 Outputs and Inquiries M4. 47.1 Cheques & Cheque Register M4. 47.2 Receipts & Receipt Register M4. 47.3 Daily Transaction Register. Sequenced by

transaction number or value date or transaction dateand including:

- Transaction number- Transaction type- Unit trust fund name- Unit holder number & name- $ amount- Number of units- Contract number/transfer number- Value date- Transaction date- Charges applied

M

4. 47.4 Daily Transfers. Sequenced by transaction numberand including:

- Transaction number- From unit holder details such as:

o Account number & nameo Fund name

M


10/29


11/29


12/29

- Number of units held- Tenure- Number of free units- Collateral held by whom

4. 47.14 Change Report. Including fields such as:- Certificate number

- Headings (the name of the fields changed)- Old (the original value, if any)- New (correction that was made)- Updated by (name of person who made the

correction)- Date updated- Total number of corrections should be

printed at the end of the report

M

4. 47.15 Edit List a separate edit list is printed at the end ofthe day for Purchases.

M

4. 47.16 Encashments, Amalgamations and Transfers,including such fields as:

- Certificate number- Customer number- Transaction type- Transaction date- Client name- Client address- Joint holders- Number of units- $ amount received- Updated by- Date updated- Broker code- Totals for number of purchases, partial

encashments, total encashments,amalgamations, and cancellations are

printed at the end of the report

M

4. 47.17 The ability to inquire on Unit holders; Details shouldinclude:

- Unit holder number- Unit holder name- Address- Other demographic information

M

4. 47.18 The ability to inquire on unit holder accounts. Detailsshould include:

- Unit holder number- Unit holder account number- Secondary account holders- Beneficiaries

- Unit trust type- Share balance (no. of units)- Current unit price- Transaction details scrolling from most

recent through history- Certificate details

M

4. 47.19 Transaction details ability to search by transactiontype or transaction (trading) date and displaying thedetails of the particular transaction including theaccounting entries generated.

M


13/29

4. 47.20 Income Distribution Register. Sequenced by Unit-holder account number and including:

- Unit holder account number and name- No. of units- Rate- Dividend amount

- Tax rate- Tax amount- Effective date

M

5.0 MARKETING & CUSTOMER SERVICE SYSTEM REQUIREMENTS

5.1 Ability to track new accounts/ Closed Accounts for aspecific period -by client and $ value.

M

5.2 Ability to track withdrawals & deposits for a specificperiod-by client & $ value

M

5.3 Ability to provide historical data for 1 & 2 (for e.g. tobe able to compare historical data with post

marketing campaign data to track the impact of amarketing campaign)

M

5.4 Ability to give total number of clients withoutduplication as same client may have multipleaccounts

M

5.5 Ability to provide Customer Portfolio Statements M5.6 Ability to provide demographic profile of clients M5.7 Ability to provide Branch Profitability M5.8 Ability to capture all client names, first & secondary

holdersM

5.9 Ability to search by client name regardless ofcategory (1st or secondary holder(s)

M

5.10 Ability to capture client profile info for specific

investment

M

5.11 Ability to link clients whether companies orindividuals( for relationship management purposes)

M

5.12 Ability to insert comments on clients' investments. M5.13 Ability to hold funds(both for lodgements and cashing

of chqs.) which are automatically removed on theexpiry date

M

6.0 ADDITIONAL OPERATIONS REQUIREMENTS CHEQUES, TRANSFERS, OTHER

6.1 Ability to have automatic generation of interestcheques and wire messages.

M

6.2 Ability to transfer funds across products M6.3 Ability to send interest cheques to a deposit accountto facilitate auto PAP payments.

M

6.4 Loan Origination FUNCTIONALITY N6.5 Ability to hold funds on a client account and

automatically clear after a set period of days. This isfor two transaction types:

- Cashing a cheque- Lodgement of cheques

M

6.6 Ability to implement limit management and exception M


14/29

reporting in such a way that Money Launderingexception reports are automatically updated and thegeneration of Money Laundering form is incorporatedin the workflow of the transaction.

6.7 Ability to hypothecate investments to a loan acrossclients - that is Client A's deposit can be used to

back Client B's loan

M

6.8 Accommodate multiple balance sheet FORMATSand to consider the need to generate balance sheetsin multiple currencies as it relates to Balance Sheets

M

6.9 Ability to generate consolidated balance sheetsacross companies

M

7.0 ADDITIONAL MUTUAL FUND REQUIREMENTS

7.1 Ability to accrue income M7.2 Ability to accrue receivables M7.3 Ability to accrue RE revaluations M

7.4 Ability to accrue all expenses - Management Fee,Trustee Fee, Registrar Fee, Insurance and otherexpenses. All accruals are over a year - this is toprevent the NAV spiking unnecessarily due to theseactivities on the Trust.

M

7.5 Ability to have the Management Fees calculatedmonthly based on a tiered structure - theManagement Fees payable monthly is dependent onthe size of the Assets under Management at the endof the month.

M

7.6 Ability to amortize the premium discount on a bondinstrument.

M

7.7 Ability to provide a Cash Flow summary on the

Assets Portfolio across different time buckets andtaking inputs from all asset categories.

M

7.8 Ability to auto reprice fund securities. M7.9 Ability to auto process dividend payments and have

it impact on cash flow. That is, to set dividendpayment parameters centrally for an equity and haveit affect all portfolios holding the equity.

M

7.10 Ability to book Tax Receivables and accrue (seeabove)

M

8.0 ADDITIONAL FINANCIAL CONTROL NEEDS

8.1 Must offer multi-company capability and ability toconsolidate accounts across companies andcurrencies.

M

8.2 Must offer the ability to track income and expensesby geographic location and cost center.

M

8.3 Budget status for each geographic location and costcenter.

M

8.4 Being able to know income levels affecting a priorperiod on a daily/mthly basis.

M

8.5 Scope for transferring historical information to the M


15/29

'newly-selected' software.8.6 Must be able to produce an aging report for loans &

investmentsM

8.7 Ability to generate all reports for back periods byaccounts in all categories in base or other choicecurrency

M

8.8 Internal Mthly Management Accounts: BalanceSheet & Income Statement M

8.9 Financial Services Commission Reports: QtrlyFinancial Reports

M

8.10 Accommodate suspense type accounts M8.11 Able to produce investment schedule showing assets

classified as loans and receivables held for maturingor available for salethe interest earned for therespective period as well as interest receivable andinterest rate.

M

8.12 Client liabilities - able to produve report showingclient name and account #, interest paid and interestpayable and the periods they relate to

M

8.13 Amortization and table showing asset, cost. Facevalue, amt of discount/premium, amt amortised todate, amt amortised for current period andunamortized amount

9.0 TRANSACTIONS MANAGEMENT (INVESTMENTS)

9.1 Encashments9.1.1 Allow Encashment from account with automatic

cheque generation to queue for printing - generateencashment receipt with area for client to sign

M

9.1.2 Allow request for encashment for future date. M

9.1.3 Ability to transfer between accounts withauthorization step, receipt printing - grid to viewpending request for authorization

M

9.1.4 Ability to break account before maturity at penaltyand allow for reinvestment, including availability towaive penalty, penalty rate should be automatic andallows for manual adjustment

M

9.1.5 Ability to indicate encashment type with respectivedetails, i.e. by cheque/wire

M

9.1.6 Ability to automatically deduct transaction fee basedon encashment type )e.g. wire fee once done bywire, option to waive fee with authorization

M

9.2 Investments

9.2.1 Allow for investment to client account withinvestment source option, cash, wire, cheque withdetails captured depending on source & generatereceipt (new accounts)

M

9.2.2 Ability to automatically allocate investment toavailable asset with manual allocation option

M

9.2.3 Allow for additional investment to account duringinvested period

M

9.3 Reinvestment9.3.1 Allow for batch reinvestment of maturing accounts M


16/29

based on built-in rate table9.3.2 Allow individual reinvestment with ability to change

tenure, rate and underlying assetM

9.3.3 Ability to automatically apply interest on maturitydate

M

9.3.4 Allow individual reinvestment with ability to change

tenure, rate and underlying asset

M

9.4 Account Information9.4.1 Ability to search for client information by client #,

account #, name, account typeM

9.4.2 View details of account transactions with filter bytransaction date/value date, agent, transaction type,reference #, status

M

9.4.3 Ability to generate consolidated client info for allaccounts across all modules

M

9.4.4 Ability to view account balance to date principal +accrued interest

M

9.4.5 Ability to view past account balance as at a particulardate principal + accrued interest

M

9.4.6 Ability to view information on principal accountholders, joint holders, signing rights and view id andsignature on accounts

M

9.5 General9.5.1 Ability to cancel pending and completed transactions

with same day value date(transfers, investments &encashments) cancelled transactions should notappear on statements but be able for viewing onclient account

M

9.5.2 Ability to generate transaction reports with filters byperiod, type and user

M

9.5.3 Ability to generate reports showing flow oftransactions (showing all users and action)

M

9.5.4 Built-in Rate table to be used to for investment andreinvestments of accounts. Allow for manipulation ofinformation with record kept of previous data

M

9.5.5 Ability to generate batch statements for clients M9.5.6 Ability to generate Tax Statement with filter by

account or client # and periodM

9.5.7 Ability to automatically close accounts based onperiod since last transaction and/or minimum bal inaccount transfer funds to a suspense account

M

9.5.8 Ability to generate email listing for sendingstatements, eblast, etc

M

9.5.9 Allow investment to client account and put automatichold for clearance period

M

9.5.10 Ability to generate a birthday listing each month forclients (based on birthday from KYC) M

9.5.11 Ability to set up classes of clients for which defaultrates/parameters for products can be set, e.g.Private or Personal Banking

M

9.5.12 Ability to assign a client to a customer class and thusdefault the account parameters based on thiscustomer class. Ability to override at transactionlevel.

M

9.5.13 Must maintain one central client database. Ability to M


17/29

search, sort on secondary account holders.9.5.14 Ability to maintain a client relationship manager and

ability to have a product manager for each client.M

9.5.15 Ability to maintain pertinent data on counter-parties:-Name and address, Signing Officers, Commissions.

M

9.5.16 Ability to generate advices and client profile

documentation, e.g. signature cards and masteragreements.

M

9.5.17 On-line signature verification, i.e. ability to view clientsignature and photo ID online.

M

9.5.18 Ability to provide profitability analysis at theclient/transaction level.

M

9.5.19 Ability to specify the client asset preferences/riskpreferences and automatically prevent the auto-allocation of client to assets based on the riskpriorities specified by client.

M

9.5.20 Ability to capture client instructions/standing orderand specify an expiry date. It should be readilyvisible that an item has expired. The system should

NOT process expired items.

M

9.5.21 Ability to capture the client's settlementdetails...client instructions/standing order to allow thesystem to generate cheque or wire message asdetermined.

M

9.5.22 Ability to specify documentation/correspondencedelivery method: mail, bearer, fax, pickup/hold,email

M

9.5.23 Ability to notify responsible officers/customersautomatically when significant events occur on theaccount, E.g. closure of account, withdrawal of fundsabove a predefined limit.

M

9.5.24 Ability to flag whether or not the client wishes to benotified of significant events on the account.

M

9.5.25 Ability to specify the time frame for automatic changeof account status to dormant. Ability to generateexception reports for this system event.

9.5.26 Ability to specify organization fee structure....ability tospecify that the first settlement option (cheque orwire) on a transaction is free. All subsequentcheques/wires are at an automatically determinedfee. Provide override at the transaction level

M

9.5.27 Allow investment to client account and put automatichold for clearance period

M

10.0 CUSTOMER INFORMATION SYSTEM

10.1 Ability to capture client name - separate fields for firstname, surname, middle name or initial

M

10.2 Ability to capture multiple phone numbers - work,home, fax, cellular, pager. Multiple numbers in eachcategory.

M

10.3 Ability to capture multiple addresses - settlement,home, business, mailing

M

10.4 Ability to capture multiple email addresses per client. M


18/29

Ability to capture website url.10.5 Ability to capture contact persons along with

pertinent details (name, address, contact numbers,special instructions, etc) associated with corporateclients (individual and corporate).

M

10.6 Ability to specify the primary account holder versus

secondary account holder.

M

10.7 Ability to capture at least three secondary accountholders. Specify first name, surname and middlename/initial.

M

10.8 Ability to capture/scan TRN/TRN certificate for eachclient.

M

10.9 Ability to record/scan/store ID Type and ID # and IDexpiry date for each client.

M

10.10 Ability to capture the client investmentprofile/goals/horizons.

M

10.11 Ability to indicate/capture/scan power of attorney,power of attorney rights (Comments Field)

M

10.12 Have the ability to differentiate client categories and

subcategories, e.g. Individual, Corporate, Staff,Corporate, Trusts, Pension Fund, FinancialInstitution.

M

10.13 Ability to have the system generate a unique clientnumber.

M

10.14 Ability to store two alternate client numbers. M10.15 Ability to link a client to multiple accounts. Using

client #M

10.16 Ability to track multiple relationships, namely Family,Corporate, Commissioned Officer, CustomerRelations Officer etc.

M

10.17 Ability to define the lead company in the group. M10.18 Ability to enter referral details, for example another

client, newspaper advert, web-site, radio, emailadvert, television advert, etc.

M

10.19 Ability to capture client profile with respect todemographics (e.g. date of birth, gender, parish,Country & closest city), risk tolerance, tax categoriesand group relationships

M

10.20 Ability to capture KYC/POCA details...source offunds, etc

M

10.21 Ability to define industry codes/classifications for usein FSC/BOJ reporting and other reporting such asmarketing/CRM.

M

10.22 Ability to set up classes of clients for which defaultrates/parameters for products can be set, e.g.Private or Personal Banking

M

10.23 Ability to assign a client to a customer class and thusdefault the account parameters based on thiscustomer class. Ability to override at transactionlevel.

M

10.24 Must maintain one central client database. Ability tosearch, sort on secondary account holders.

M

10.25 Ability to maintain a client relationship manager andability to have a product manager for each Client.

M

10.26 Ability to maintain pertinent data on counter-parties:- M


19/29

Name and address, Signing Officers, Commissions.10.27 Ability to generate advices and client profile

documentation, e.g. signature cards and masteragreements

M

10.28 On-line signature verification, i.e. ability to view clientsignature and photo ID online.

M

10.29 Ability to provide profitability analysis at theclient/transaction level. M

10.30 Ability to specify the client asset preferences/riskpreferences and automatically prevent the auto-allocation of client to assets based on the riskpriorities specified by client.

M

10.31 Ability to capture client instructions/standing orderand specify an expiry date. It should be readilyvisible that an item has expired. The system shouldNOT process expired items.

M

10.32 Ability to capture the client's settlementdetails...client instructions/standing order to allow thesystem to generate cheque or wire message asdetermined.

M

10.33 Ability to specify documentation/correspondencedelivery method: mail, bearer, fax, pickup/hold,email

M

10.34 Ability to notify responsible officers/customersautomatically when significant events occur on theaccount, E.g. closure of account, withdrawal of fundsabove a predefined limit.

M

10.35 Ability to flag whether or not the client wishes to benotified of significant events on the account.

M

10.36 Ability to specify the time frame for automatic changeof account status to dormant. Ability to generateexception reports for this system event.

M

10.37 Ability to specify organization fee structure....ability tospecify that the first settlement option (cheque orwire) on a transaction is free. All subsequentcheques/wires are at an automatically determinedfee. Provide override at the transaction level.

M

11.0 CUSTOMER REPORTS

11.1 Client Account statements with date filter M11.2 Taxation reports for individuals M11.3 Consolidated taxation report (all accounts) filter by

date, account type, currencyM

11.4 Master Listing (Regular by asset, by liability, byboth)

M

11.5 Ability to capture contact persons along withpertinent details (name, address, contact numbers,special instructions, etc) associated with corporateclients (individual and corporate).

M

11.6 Master Listing (Regular by individual currency &consolidated

M

11.7 Consolidated Portfolio M11.8 Client Listing by category and consolidated M


20/29

11.9 Exceptions Reports M11.10 New accounts during specified period M11.11 Transactions Listing by currency, by type, by branch

by account executiveM

11.12 New Account Listing by product type etc M11.13 Closed Account Listing by product type etc M

11.14 Closed accounts during specified period M11.15 End of period reports by currency, by product, etc M11.16 Statutory payments/balances reports M

12.0

LIMITS MONITORINGSYSTEM FEATURESSECURITY CONTROLSCREDIT SERVICESPRIVATE BANKINGTREA & INVESTMENTSCUSTOMER SCHEDULESASSET & LIAB MATCHINGDOCUMENT MGMT, GENERALCUST, TREASURY REPORTS

12.1 Limits12.1.1 Must be able to define limits based on:

- Country- Industry- Client- Specific Product

M

12.1.2 Ability to define limits in centralized area. M12.1.3 Ability to track online credit limits across family groups

and corporate groups.

M

12.1.4 In cases of company groups, the limits should roll upto the lead company in the group for transactions beingdone by subsidiaries.

M

12.1.5 Limits checks should be rolled up, starting at theproduct level when transactions are in process

M

12.1.6 Limits may be based on either:- Absolute amounts entered- Based on a percentage of a centrally maintained

figure in the G/L (e.g. capital base of bank)

M

12.2 Teller Support M12.2.1 Must have support for multiple tellers. M12.2.2 Must be able to designate a head teller or supervisor

to approve/override transactions

M

12.2.3 Maintain cash opening and closing balances for tellersincluding:- Values and denominations by currency

M

12.2.4 Support issuance of additional cash, reduction of cashetc in teller tills in the course of the day.

M

12.2.5 Ability to track denominations at the transaction level. M12.2.6 Have the ability to generate activity reports for each

teller (Transaction Journal)M

12.2.7 Ability to amalgamate daily transactions and help in the M


21/29

preparation of daily lodgements. This will facilitateeasier reconciliation of Nostro.

12.2.8 Ability to update transactions pending settlement fromthe teller module with details such as cheque referencenumber, receipt number.

M

12.3 System Features

12.3.1 End-user access should be possible from a PCnetwork based on a Windows 2003 client environment, M

12.3.2 Be online real-time; information impacts on all relevantareas from the moment it is input.

M

12.3.3 Have multi-user capability. M12.3.4 Have multi-company and multi-branch capability. M12.3.5 Open architecture. M12.3.6 Be user friendly. M12.3.7 Ability to import and export data. M12.3.8 Ability to submit SQL queries to the back-end database

and generate reports from independent reportingsystems.

M

12.3.9 System should meet ODBC standards for connectivity. M

12.3.10 Ability to fully automate EOD and execute:- from off-site location- based on system schedule with operator

intervention only due to error conditions. Ability tobroadcast or send error alert.

M

12.3.11 System should facilitate user-based maintenance ofparameter tables such as the Transaction Type table.The possible entries would include user defined typessuch as Placement, Acceptance, Interest Accrual, etc.

M

12.3.12 Ability to maintain tax rates according to:- Individual, Corporate- Country of residence- Tax exempted entities and securities (ability to

track when exemption is surpassed based ondollar amount and expiry date.)

M

12.3.13 Ability to override tax rates according to:- Individual, Corporate- Country of residence

M

12.3.14 Ability to provide pop-ups, selection lists or automaticaccess to field variations for easier selection by userse.g. Transaction types, Investment types, CurrencyCodes.

M

12.3.15 Ability to do quick efficient searches of the database. M12.3.16 Ability to maintain transaction processing date, this

should differ from todays calendar date.M

12.3.17 Ability to maintain holiday tables for each currency andyear combination.

M

12.3.18 Ability to warn user if due/settlement date is a systemholiday.

M

12.3.19 Ability to define at a global and product level actions ofsystem should due/settlement date falls on a systemholiday. That is, roll due/settlement date backward orforward.

M

12.3.20 Ability to maintain historical data and initiate purge forspecify periods.

M

12.3.21 Facilitate booking of transactions against an M


22/29

unapproved client profile.12.3.22 System should be able to accept transaction values of

999 billion in all products.M

12.3.23 Ability to provide for up to six (6) decimal places forinput of rates and calculations.

12.3.24 Should be able to accept Foreign Exchange Rates and

Interest Rates up to 99,999.99.

M

12.3.25 Provide for user-defined status for clients / accounts /transactions i.e. User determines the applicable rulesfor specifying client account as Active, Inactive,Pending, Closed.

M

12.3.26 Provide for tax exemptions by allowing input ofexemption code and amount; income tax to beallocated for the transaction that exceeded theexemption threshold.

M

12.3.27 Ability to calculate tax on all income earned. M12.3.28 Ability to calculate commissions. M12.3.29 Provide functionality to levy miscellaneous charges. M12.3.30 Ability to facilitate on-line tracking of income and

expenditure due to taxes, commissions and levies.Entries should be posted to the G/L automatically atthe transaction level.

M

12.3.31 Ability to define a Commissioned officer which maydiffer from person responsible for transaction dataentry.

M

12.3.32 Ability to assign a unique system generated transactionnumber to each transaction.

M

12.3.33 Ability to define fields as mandatory. M12.3.34 Provide Drill Down access to data M12.3.35 Provide access to data in various forms without having

to externally record a reference number for use in aseparate screen.

M

12.3.36 Information should be available for display andreporting purposes in a client-centric manner. M

12.3.37 Ability to facilitate straight-through processing. That is,transactions should be entered at source and the GLentries passed automatically.

M

12.3.38 System should be work-flow enabled. That is, systemshould facilitate automatic status change based ontransaction stage.

M

12.3.39 Ability to electronically approve transactions. M12.3.40 Ability to generate multiple advices on a transaction

event.M

12.3.41 Ability to do text searches on electronic reports. M12.3.42 Ability to see account positions based on the following

categories:- Booked to G/L - cleared funds- Booked to G/L - un-cleared funds- Pending (not booked to G/L)

M

12.3.43 Ability to add fields to database without supplierintervention.

M

12.3.44 Ability to add products without supplier (mimics)intervention.

M

12.3.45 Advices automated and available at each stage of atransaction. Format should be readily modified.

M


23/29

12.3.46 Ability to determine the approval status based onpredefined workflow.

M

12.3.47 Ability to approve all pending transactions ad-hoc or inbatch mode.

M

12.3.48 Ability to export data to ASCII text, spreadsheetswithout IT intervention.

M

12.3.49 Ability to capture special comments regarding atransaction. Unlimited field size. M

12.3.50 Ability to restrict/edit access to the approval function forspecified users.

M

12.3.51 Ability to review previous approval cycle information(example why a transaction was previously rejectedand by whom)

M

12.3.52 Ability to automatically route the approved transactionto the cashier to effect settlement across all products.

M

12.3.53 Ability to prevent changes to approved transactions. M12.3.54 All changes to approved transactions should be

processed as an audited adjustment process.M

12.3.55 System should permit the capture of reason for

change.

M

12.3.56 Ability to automatically route rejected transaction tooriginator.

M

12.4 Security Controls M12.4.1 User sign on and password controls. M12.4.2 Program access control based on user profile. M12.4.3 User groups for ease of administration of access rights

for users.M

12.4.4 Ability to maintain an audit trail on all transactions andon all security level changes.

M

12.4.5 Ability to maintain an audit trail on all changes at thefield level.

M

12.4.6 Ability to auto logoff after a certain period of inactivity. M

12.4.7 Ability to maintain system status during logoff state. M12.4.8 Provide adequate security controls at the transactionlevel:- Authorizer must be different from user entering

transaction.

M

12.4.9 File access controls to be specified at:- User level: for add, amend, delete, inquire on all

master and parameter files- Client level: client cannot be deleted if accounts

exist- Account level: account cannot be deleted if

balance exists- Transaction (record) level: changes should reflect

on all associated entries previously made

M

12.4.10 Limit control should require authorization only whenlimits are about to be exceeded: limits should beallowed on a client basis and should include but not belimited to the following:

- Institution- Instrument type- $ amount- Group membership (corporate or family)

M

12.4.11 System should track both successful and unsuccessful M


24/29

attempts to use functionality.12.4.12 Provide reports of auditable activities by date, user, or

option accessed.12.5 Credit Services

12.5.1 Ability to maintain the following products/transactiontypes:

- Demand Loans- Installment Loans- Inventory Financing- Insurance Premium Financing- Receivables Financing- Trade Financing- Guarantees- Lease Financing- Letters of Undertaking- Loan Syndication

M

12.5.2 Ability to track entire loan lifecycle- Pre disbursement- Post disbursement

M

12.5.3 Ability to process interest & arrears. M12.5.4 Provide arrears management through provision of

aging reports.M

12.5.5 Integrate the collateral management for loans withrespect to processing of securities.

M

12.5.6 Ability to link acceptances to loans i.e. acceptanceacting as collateral for loan facility.

M

12.5.7 Ability to support the following interest amortizationmethods:

- Straight Line- Reducing Balance

M

12.5.8 Ability to specify begin mode or end mode foramortization.

M

12.5.9 Ability to handle discounting. M12.5.10 Ability to support uneven periods and amounts. M12.5.11 Ability to specify add-on versus effective rate. M12.5.12 Ability to specify the interest calculation method at the

client and product level and provide user override atthe transaction level.

M

12.5.13 Ability to apply fees automatically. Ability to generateinvoices automatically.

M

12.5.14 Ability to provide statements online. Statementsshould be summary or detailed and should allow drilldown to details.

M

12.5.15 Provide the ability to maintain, assign and print Pre-Authorised Payment cheques (PAPs)

M

12.5.16 Allow "What-if" analysis of expected client liability M12.5.17 Ability to monitor the Payment of Insurance Companies

for IPF transactions. Payment status should be notedon system and payments should be generated ad hocor automatic based on user-defined parameters.

M

12.5.18 Document Management - store and print standard loandocumentation

M

12.6 Private Banking12.6.1 Customer Information System with detailed profiles on

clients.M


25/29

12.6.2 Automated statements for all accounts related to asingle customer.

M

12.6.3 Statements should be generated in a customer centricversus a product centric manner.

M

12.6.4 Ability to view client portfolio via graphs and bar charts. M12.6.5 Ability to provide a detailed or summary statement of

the client holdings

M

12.6.6 Ability to provide an integrated client summary of allactivities across all product areas (i.e. Loans, Funds,Investments, FX) with the ability to drill down totransaction details.

M

12.6.7 Ability to view statements on-line and to drill-down tounderlying data.

M

12.6.8 Memo Management Facility which immediately alertsdesignated account officer whenever customer carriesout a transaction with a Teller or other officer.

M

12.6.9 Ability to generate client statements/portfolio at theGROUP level.

M

12.6.10 Ability to have the Banks liability with respect to the

clients entire portfolio updated real-time and availableonline for review.

M

12.6.11 Store and print client documentation M12.7 Treasury & Investments

12.7.1 Ability to maintain the following products:- Commercial Paper- Bonds - Local and Foreign- GOJ Repo Agreements- Foreign Exchange Trading- Acceptances (Fixed & Call)- Asset Trading of Commercial Paper and

Government of Jamaica Debentures- Asset Trading of Government of Jamaica

Securities such as Treasury Bills and otherdiscounted instruments

- Savings Type Accounts

M

12.7.2 Ability to monitor the daily cash position online, real-time:

- A summary of all money taken and received atfunding desks. Flows tracked should beacross all areas of the bank's operations,including but not limited to FX Deals, CounterDeals, OP Expenses, client withdrawals,deposits, loan payments and loandisbursements.

- Calculate weighted average cost of fundsreceived and average weighted income from

funds used.- Net position between borrowing and lending

and the associated cost of funds.- Net position for all liquid asset and liability

instruments (that is instruments maturing inless than 30 days)

- Link to cashier desk to ensure that receipt anddisbursement of funds is reflected in daily cashposition.

M


26/29

- Link to all trading desks to ensure thatexpected funds flow are reflected at thefunding desk.

- Ability to provide reports of bank's fundingbased on client category and sorted by date,amount and average rate.

- Ability to determine the yield to maturity,purchase date, duration and applicable cashflows for coupon based instruments.

- Ability to track mortgage backed instruments.- Ability to do sensitivity analysis based on the

gapping report.- Ability to setup the budgetary targets for banks

assets and monitor thresholds. For exampleportfolio should be 25% short term maturities,25% medium term and 50% long term. Whereshort, medium and long term are user-definedand user-modified parameters.

12.7.3 Ability to track the receipt of dividend payments. M12.7.4 Ability to enter the dividend payment date (DPD) and

payment amount and generate the total expectedbased on stocks held on record as of the DPD.

M

12.7.5 Ability to book fixed interest instruments. M12.7.6 Ability to price various instrument types, namely

- Amortised Interest & Principal- Variable Rate Pricing

M

12.7.7 Ability to see profits due from fixed interest instrumentsreported online, real-time with ability to drill from asummary position to specific bond.

M

12.7.8 Ability to price bonds. Users should not be required touse an external calculator to effect transactions relatedto discounted instruments.

M

12.7.9 Ability to provide online, real-time cost of funds

information which facilitates answering the questions:- How much does it cost to hold a specific bond?- At what rate should I sell the portfolio to ensure a

profit?

M

12.8 Customer Schedules and Other Requirements12.8.1 Ability to generate reports such as maturity schedules. M12.8.2 Ability to link with the security database maintained for

the Risk Management Unit.M

12.8.3 Ability to provide electronic approval and routingworkflow between Treasury and Risk.

M

12.8.4 The ability to do the following transactions:- Early encashment- Interest rate changes with a back value date

- Penalty charges- Tenure and amount change- Partial encashment

M

12.8.5 The ability to consolidate clients accounts withoutmaturing the old investment, i.e. add new funds to thesame account.

M

12.8.6 Ability to add funds to fixed interest acceptances. i.e.break and re-fix transaction in one step.

M

12.8.7 Ability to subtract funds from fixed interest M


27/29

acceptances. i.e. break and re-fix transaction in onestep.

12.8.8 The ability for clients to have multiple sub-accounts. M12.8.9 Ability to handle discounted instruments. M12.8.10 Ability to automatically determine the certificate details

printed based on the Asset Type for the transaction.M

12.8.11 Ability to enter pertinent transaction details such asinterest rate, tenor, inception date, amount, withholdingtax rate.

M

12.8.12 Ability to determine interest calculation method basedon transaction type & client residency.

M

12.8.13 The system should automatically determine maturitydate based on Inception Date and Tenor entered.

M

12.8.14 Ability to warn the user if the maturity date falls on asystem holiday.

M

12.8.15 Ability to enter hypothecation status for acceptance. M12.8.16 Ability to facilitate early withdrawals with the option to

apply penalty charges.M

12.8.17 Ability to reduce principal before maturity with the

option to apply penalty charges.

M

12.8.18 Ability to roll an investment for: Principal Only, Principal+ Interest, Partial Principal + Interest, SpecifiedAmount.

M

12.8.19 Ability to configure automatic rollovers. Inclusive ofspecifying standing instructions at roll-over, settlementdetails, rate adjustments and tenor adjustments basedon the holiday table.

M

12.9 Asset to Liability Matching12.9.1 Ability to do matching of assets to liabilities and view

the matching online real-time.M

12.9.2 Ability to identify at a glance on-line assets which areover-funded or under-funded.

M

12.9.3 Ability to identify the liability or liabilities linked to theparticular asset(s). M

12.9.4 Ability to limit the percentage over-funding or under-funding allowed for the entire portfolio by currency.

M

12.9.5 Ability to select an asset from a list of under-fundedassets and create a liability that will be matched to theasset in one step.

M

12.9.6 Ability to stop user if attempts are made to book aninvestment for an asset where the investment amountis greater than the assets unallocated funds.

M

12.9.7 Ability to do match many assets to many liabilities.That is:- Ability to match one liability to one asset

- Ability to match one liability to many assets- Ability to match many liabilities to one asset- Ability to match many liabilities to many assets

M

12.9.8 Auto Allocate: The system should automaticallyprovide a best match scenario for allocating allinvestments to an asset based on the client risk profileand risk priorities.

M

12.9.9 Ability to displace several small investments by a largerinvestment. This feature should be based ontransaction type and should be set via a system

M


28/29

parameter.12.9.10 Ability to specify the amount available in asset and

have system return only those assets to the user.M

12.9.11 Ability to reallocate the liability to a new asset.Reallocation transaction should result in the need forapproval based on predefined rules. These rules

should be user configurable.

M

12.9.12 Ability to view asset allocation on-line and via reportsthroughout the day.

M

12.9.13 Ability to determine the next interest payment date onall assets and have it impact on the cash flows.

M

12.9.14 Ability to forecast long and short positions at any timefor the Money Market.

M

12.10 Document Management12.10.1 Ability to print certificates for each product type. M12.10.2 Ability to flag accounts to indicate that certificates have

been printed and capture date and time of printM

12.10.3 Ability to force all reprints of a certificate to indicateCOPY on output.

M

12.10.4 Ability to generate a unique certificate number for eachoriginal certificate printed. This number should beretained by system for use on the reprints.

M

12.10.5 Ability to indicate hypothecation status on thecertificate.

M

12.10.6 Statements detailed and summary statements. M12.10.7 Ability to generate advices such as Repo agreement

and tax withheld certificates for a liability.M

12.10.8 System should track the number of times that acertificate has been printed.

M

12.10.9 Ability to generate an acknowledgement letter for newclients.

M

12.11 General/Customer/Treasury Report & Queries

12.11.1 Ability to inquire on the interest payable or receivableon a specified date for a client account M

12.11.2 Ability to inquire on the credit balance available on theborrower.

M

12.11.3 Ability to inquire and report on interest gappingbetween the matched assets and liabilities

M

12.11.4 Ability to inquire and report on maturity date gappingbetween the matched assets and liabilities

M

12.11.5 Ability to inquire on future cash positions withindefinable time categories, for example 10-day, 30-dayand 90-day.

M

12.11.6 Ability to inquire on future cash positions for a userspecified date.

M

12.11.7 Ability to generate a client account statementperiodically or ad hoc, batch mode or individual. M

12.11.8 Ability to generate withholding tax certificates for allproducts.

M

12.11.9 Ability to do asset-liability matching across currenciesand provide arbitrage monitoring reports.

M

12.11.10 Provide a history of events occurring on a contractincluding initial terms and changes to terms such as:- value dated changes (e.g. maturity date, interest

rate)

M


29/29

- payments (e.g. interest payment, principalpayment) giving the following details:

- Value date- Transaction date- Event description

12.11.11 Ability to generate reports showing accounts opened

and closed for user defined period.

M

Date post:	05-Apr-2018
Category:	Documents
Upload:	adrian-keys
View:	221 times
Download:	0 times

Management Information Systems Implementation for Financial Institutions - RFP Template

Documents