CLIENT

The Client of the project was a large international bank that offers services in the field of daily banking, personal accounts and credit cards, savings and loans, as well as in the fields of leasing, investment and insurance. The bank has an extensive network of its own branches and partner outlets throughout Europe and is considered to be one of the most innovative banks in Poland, very advanced in electronic banking.

PROJECT CHALLENGES

With the changing legislation the bank had to comply and speed up the digitization of the information exchange process between enforcement authorities and the bank, aiming to eliminate paper documents circulation. The goal of the project was to adapt the account receivables in the area of enforcement, to achieve compliance with the new law before its entry into force in September 2016.

A National Clearing House that plays a key role in the area of ​​interbank settlements developed an internet application which since 2007 enabled information exchange between participants of Elixir and Euro Elixir clearing systems including banks and institutions such as the social insurance offices, post offices, tax offices, customs chambers, administrative enforcement authorities, court bailiffs and law enforcement agencies.

The app manages the complaints process and handles queries related to clearing interbank transactions, carried out by the National Clearing House.

The key problem was to increase SLA (Service Level Agreement) parameters – give response to the National Clearing House within 6 hours after receipt of the letter and increase in the number of letters per unit of time, connecting new entities to the system. This has previously meant the need for a significant increase in employment to receive these letters.

In the process of downloading messages from the Enforcement Bodies through the app, the system primarily checks the validity of the qualified signature of each received message. The system has a module for validation and issuing electronic signatures (in accordance with the eIDAS EU directive). In the case of positive verification, the system automatically verifies the compliance of the data provided with the clients’ data owned by the bank (client verification) and identifies the bank products (accounts) it has. Then, the business rules are evaluated and the operation in the banking system is performed. After the message has been processed and after the messages have been certified by a qualified signature, the response to the Enforcement Bodies on the requested activity is sent to the app backend system.

KEY BENEFITS

The introduction of Garnishment Management System allowed to reduce the risk, resulting from manual handling of the process. The debt collection process has been optimized, which significantly shortened the time of handling enforcement letters and helped to eliminate costs related to the generation and dispatch of paper letters.

One of the most important benefits, obtained through the automation of the process is the effective monitoring of the client’s account, available from the BPM real-time desktop, with the simultaneous handling of the amount free from seizure bailiffs and the payment of funds to the enforcement authorities.

THE SOLUTION

The solution proposed by Inteca received the working name: Garnishment Management System (GMS)

In the process of downloading messages from the Enforcement Bodies through the Ognivo system, the system primarily checks the validity of the qualified signature of each received message. The system has a module for validation and issuing electronic signatures (in accordance with the eIDAS EU directive). In the case of positive verification, the system automatically verifies the compliance of the data provided with the clients’ data owned by bank (client verification) and identifies the bank products (accounts) it has. Then, the business rules are evaluated and the operation in the banking system is performed. After the message has been processed and after the messages have been certified by a qualified signature, the response to the Enforcement Bodies on the requested activity is sent to the Ognivo system.

WEBMETHODS

GMS – technological excellence thanks to webMethods

The client has elements of the webMethods technology stack in his infrastructure, therefore the solution was based on the BPMS tool, so the processes were efficiently modeled, optimized and automated.