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SL Description No Hours/Min

1 Introduction to CMS 1 Hour


Workshop approach – building a credit processing
system
Points to be covered:
 Features a Credit Processing System should
have to handle medium to large scale operations
 Need for a Batch and Online environment
 Why are System, Org, logo level controls
required and high level features of these
controls
 How is 24/7 processing achieved in CMS

3 Account setup 30Min


 Online – ARSB
 Batch– Account boarding (Non monetary
updates)
 How we use AML1 for account setup
 ARD040 – all modes
 Look at the batch flow for non-monetary batch
flow
4 Monetary transaction flow 40 – 60 min
 Pos origins and Authorizations (OFRQ), Batch
feed through TRAMS

Sources of Monetary transaction


 Online (ARAT – monetary transaction entry )
5 Monetary Batch flow 1 – 1.5 Hr
Monetary extract
ARD020
ARD080
ARD100
ARD100
ARD140 – Posting flag
ARD180
ARD185
ARD200 – reject re-entry

Trams input
ARD010
ARD011
ARU080
6 Account processing 1 hrs
 Understanding Account life cycle and key fields
(like Credit Limit, Open to buy, Current
Balance, Delinquency etc). Refer Excel
worksheet
8 The Structure of CMS 1 hrs
 Primary Control Records (ON SCREEN)
ARMS, ARMO, ARML,ARMX
 Secondary Control Records (ONLY
OVERVIEW)
Concept of Credit Plan master, PCT and related
tables
 CMS Account Records

9 Interest Processing 30 – 45 min


Interest Processing Overview...........................................................................................................................
Review..............................................................................................................................................................
Interest Tables...................................................................................................................................................
Defining Interest Options................................................................................................................................
Review............................................................................................................................................................
The Rate Index Table......................................................................................................................................
The Usury Table..............................................................................................................................................
Account Control Table Interest-Related Fields..............................................................................................
Review............................................................................................................................................................
Interest Processing Overrides.........................................................................................................................
Methods of Deferring and Waiving Interest...................................................................................................
Reference List.................................................................................................................................................
Review............................................................................................................................................................

10 Account Control Table 20 min


The Purpose of the Account Control Table.......................................................................................................
The Processing Control Tables.........................................................................................................................
The Role of Account Control tables in the Processing
Control Tables...................................................................................................................................................
Account Control Table Overview.....................................................................................................................
Reference List...................................................................................................................................................
Review..............................................................................................................................................................

11 Service charge and Fee table 20 min


Purpose of the Service Charge and Fee Table..................................................................................................
Fees Determined by the Service Charge and Fee
Table.....................................................................................................................................................
Additional Options for Service Charges/Fees......................................................................................
Late Charge Fees..................................................................................................................................
Overlimit Fees......................................................................................................................................
Membership Fees..................................................................................................................................
Interim Statement Fees.........................................................................................................................
Letter Fees............................................................................................................................................
Non Sufficient Funds Fees.................................................................................................................
Cash Advance Fees.............................................................................................................................
Card Issue Fee....................................................................................................................................
Reference List.................................................................................................................................................
Review............................................................................................................................................................

12 Insurance processing 20 min


Insurance Processing Overview.......................................................................................................................
Adding Insurance Tables..................................................................................................................................
Defining Insurance Premium Calculation Options..........................................................................................
Insurance Consolidation................................................................................................................................
Review............................................................................................................................................................
Delinquency Warning and Cancellation Levels.............................................................................................
Insurance Deferment Options........................................................................................................................
Age Restriction Options.................................................................................................................................
Statement and Letter Codes............................................................................................................................
Claim Reasons and Descriptions...................................................................................................................
Enrollment ID and Address Changes.............................................................................................................
Organization and Logo Controls....................................................................................................................
Adding Insurance Products to Accounts........................................................................................................
Reference List.................................................................................................................................................

14 PCT 30 min
The Purpose Of The Processing Control Table.................................................................................................
Major Features of the Processing Control Table..............................................................................................
Defining PCT Levels......................................................................................................................................
Reference List.................................................................................................................................................
Review............................................................................................................................................................

15 Name and Address Record 30 min


CMS Account Records.....................................................................................................................................
Customer Name/Address Record.....................................................................................................................
Setting up a New Account................................................................................................................................
Setup Activity...................................................................................................................................................
Review 1.........................................................................................................................................................
Review 2.........................................................................................................................................................

16 Account Base Segment Record (hands on) 15 min


Base Segment Record Overview......................................................................................................................
Setup Activity...................................................................................................................................................
Account Setup Fields............................................................................................................................
Maintenance Fields.............................................................................................................................
Review 1.........................................................................................................................................................
Date Fields..........................................................................................................................................
Account Code Fields..........................................................................................................................
Warning Codes...................................................................................................................................
Associated Parties...............................................................................................................................
Review 2.........................................................................................................................................................
Residence & Issuance ID’s.................................................................................................................
Special Pricing Controls.....................................................................................................................
Waive Flags........................................................................................................................................
Account Participation Features...........................................................................................................
Delinquency & History Counters.......................................................................................................
Review 3.........................................................................................................................................................
Setting a Temporary Credit Limit.......................................................................................................
Interest Rebates..................................................................................................................................
Setting Direct Debit Parameters.........................................................................................................
Setting Direct Credit Parameters........................................................................................................
Review 4.........................................................................................................................................................
Setting the Account Ownership Flags................................................................................................

17 Embossing Record (hands on) 20 min


Embossing Record Overview...........................................................................................................................
Setup Activity...................................................................................................................................................
Set up Screens.......................................................................................................................................
Embossing Record Statistics...........................................................................................................................
Review 1.........................................................................................................................................................
Review 2.........................................................................................................................................................

18 New Account Setup (hands on) 30 min


Setting up a New Account................................................................................................................................

19 Payment Processing 45 min


Calculation and Application.........................................................................................................................
Payment Processing Overview.........................................................................................................................
Payment Calculation.........................................................................................................................................
Payment Calculation Overrides (Fixed Payments)...........................................................................................
Consolidated Payments...................................................................................................................................
Prepayments....................................................................................................................................................
Skip Payments................................................................................................................................................
Review............................................................................................................................................................
Payment Application.......................................................................................................................................
Payment Hierarchy.........................................................................................................................................
Application Method........................................................................................................................................
Payment Hold.................................................................................................................................................
Payment History.............................................................................................................................................
Payment Reversals..........................................................................................................................................
Other Payment Processing Considerations.....................................................................................................
Reference List.................................................................................................................................................
Review............................................................................................................................................................

20 Credit Plan segments 20 min


Credit Plan Segment Overview........................................................................................................................
How Credit Plan Segments are Created...............................................................................................
How Credit Plan Segments are Utilized
21 Billing Cycles and Statement Processing 30 min
Billing Cycles and Statement Processing Overview........................................................................................
Billing Cycles...................................................................................................................................................
Statement Processing Options........................................................................................................................
Statement Frequency......................................................................................................................................
Exception Statements......................................................................................................................................
Statements to Associated Parties....................................................................................................................
Online Statements...........................................................................................................................................
Billing History................................................................................................................................................
Disclosure on Statements................................................................................................................................
Statement Messages........................................................................................................................................
Other Billing Considerations..........................................................................................................................
Reference List.................................................................................................................................................
Review............................................................................................................................................................

22 Monetary Transaction Control & General Ledger 20 min


The Purpose of the Monetary Transaction Control...........................................................................................
Generated Monetary Transactions....................................................................................................................
User-Assigned Monetary Transactions...........................................................................................................
Review............................................................................................................................................................
General Ledger Reporting..............................................................................................................................
Reference List.................................................................................................................................................
Review............................................................................................................................................................

23 Posting of Transactions 40 min


Posting Overview..............................................................................................................................................
Posting Parameters............................................................................................................................................
Posting Flags...................................................................................................................................................
Memo Transactions.........................................................................................................................................
24 Entering Monetary Batch Transactions (hands on) 30 min
Monetary Batches.............................................................................................................................................
How to Enter a Monetary Batch Online...........................................................................................................
How to Enter a Payment Batch Online...........................................................................................................
Procedure........................................................................................................................................................
Monetary Batch..................................................................................................................................

25 Working with Monetary Batches 15 min


Monetary Batches Header Information............................................................................................................
The Monetary Batch Control............................................................................................................................
Procedures.......................................................................................................................................................
Monetary Batches Header Information..............................................................................................
Monetary Batch Control.....................................................................................................................
Monetary Batch Transactions Maintenance.......................................................................................

26 Block Codes and Warning Codes 20 min


Block Code Overview.......................................................................................................................................
The Purpose of a Block Code...............................................................................................................
Block Code Priorities...........................................................................................................................
Automatic Block Code Assignment and
Migration..............................................................................................................................................
The Block Code Letter Matrix.............................................................................................................
Relationship Records and Embosser Records......................................................................................
The Block Code Matrix....................................................................................................................................
The Block Code Letter Matrix........................................................................................................................
Warning Codes................................................................................................................................................

27 Delinquency & Collections 30 min


Delinquency Overview.....................................................................................................................................
Controlling When Delinquency Aging Occurs.................................................................................................
Cycle Due Delinquency....................................................................................................................................
Recency Delinquency.....................................................................................................................................
Days Delinquent.............................................................................................................................................
Automatic Reaging of Accounts.....................................................................................................................
Review............................................................................................................................................................
Collection Overview.......................................................................................................................................
Defining Reasons for Collection....................................................................................................................
Reference List.................................................................................................................................................

28 Charge-offs, Write-offs, and Refunds 20 min


Charge-off Processing Overview......................................................................................................................
Small Balance Write-offs................................................................................................................................
Credit Balance Refunds..................................................................................................................................
Reference List.................................................................................................................................................

29 Account Inquiry Screens 30 min


CMS Account Records.....................................................................................................................................
Types of Inquiry Screens..................................................................................................................................
Inquiry Screens.................................................................................................................................................
Review 1.........................................................................................................................................................
Transaction Display Screens...........................................................................................................................
Review 2.........................................................................................................................................................
Billing and Payment Screens..........................................................................................................................
Insurance Claim Screens.................................................................................................................................
30 Store Demographics 20 min
Using Store Records.........................................................................................................................................
CMS Store Records..........................................................................................................................................
Activity Recap Controls...................................................................................................................................
Default Stores...................................................................................................................................................
Owning Bank Branch/Store..............................................................................................................................
Frequent Shopper Programs...........................................................................................................................
Reference List.................................................................................................................................................
Review............................................................................................................................................................

31 Setting Up CMS 40 min


The Order for Establishing Control Records....................................................................................................
Calendars..........................................................................................................................................................
Activation Flags................................................................................................................................................
Currency Codes...............................................................................................................................................
Customer Organization...................................................................................................................................
Reference List.................................................................................................................................................
Review............................................................................................................................................................

32 Balancing Your System 30- 45 min


Monetary and Balancing Reports.....................................................................................................................
Report Format.......................................................................................................................................
System Reports.....................................................................................................................................
Organization Reports............................................................................................................................
Logo Reports........................................................................................................................................
Utility Reports......................................................................................................................................
Balancing Procedures.......................................................................................................................................
Reviewing the Daily Balancing Report................................................................................................
Locating Out-of-Balance Accounts......................................................................................................
Checking for Warning Messages..........................................................................................................
Using the Balancing Form................................................................................................................................
Section A..............................................................................................................................................
Section B.............................................................................................................................................
Section C............................................................................................................................................

33 Technical Training 1 -1.5 hr


System Hierarchy

System Control - AMCR................................................................................................................................


Usury Table - AMCR......................................................................................................................................
ORG Control - AMCR....................................................................................................................................
Logo Control - AMCR....................................................................................................................................
Statement Messages - AMCR.........................................................................................................................
Acct. Base Segment – AMBS.........................................................................................................................
Customer Name Add – AMNA.......................................................................................................................
Prior Mailing - AMPM...................................................................................................................................
Embosser Data - AMED ................................................................................................................................
Plan Segments - AMPS..................................................................................................................................
Behavior History - AMHB..............................................................................................................................
Relationship Master – AMRM........................................................................................................................
Security/Collateral - AMSC............................................................................................................................
Out. Authorizations - AMOA.........................................................................................................................
Disputed Items - AMDI..................................................................................................................................
CTD (Unbilled) – AMOS...............................................................................................................................
Warehoused - AMWT.....................................................................................................................................
Statement History – AMSS/L.........................................................................................................................
Mon Tran Control – AMMC...........................................................................................................................
Credit Plan Master – AMCP...........................................................................................................................
Store Demographics – AMSD........................................................................................................................
Process Control Table - AMRT.......................................................................................................................
Account Control – AMRT..............................................................................................................................
Interest Tables - AMRT.................................................................................................................................
Rate Index Table – AMRT............................................................................................................................
Service Charge/Fee - AMRT.........................................................................................................................
Insurance Tables - AMRT.............................................................................................................................
Table Relationships.......................................................................................................................................
Process Control Table...................................................................................................................................
PCT Processing.............................................................................................................................................
Batch Memo Post - AMBM..........................................................................................................................
On-line Memo Post - AMOM.......................................................................................................................
Field Security – AMFS.................................................................................................................................
Posted Transactions – ATPT.........................................................................................................................
Master File Backup – ABMF 131
34 Online Processing 2 hrs
Transaction Flow of Control
24 Hours a Day Processing.............................................................................................................................
Normal On-Line File I/O................................................................................................................................
End of Day On-Line File I/O
35 Batch Processing 2 hrs
Batch Processing...........................................................................................................................................
VP Batch Flow..................................................................................................................................................
After Hours/End of Day....................................................................................................................................
ARDAILY1.......................................................................................................................................................
ARDAILY2.......................................................................................................................................................
ARDAILY3.......................................................................................................................................................
FAS End of Day....................................................................................................................................
CMS Rename......................................................................................................................................
CMS Update.......................................................................................................................................