Centrix Solutions Inc. Solutions Inc. Brad Johnson Software for your Financial Institution Innovative Products | Extraordinary Service ….a Fiserv business partner

Centrix Solutions Inc. Who is Centrix Solutions? Helping financial institutions….Helping financial institutions…. MANAGE RISK MANAGE RISK SIMPLIFY COMPLIANCE SIMPLIFY COMPLIANCE OPTIMIZE EFFICIENCY OPTIMIZE EFFICIENCY Helping financial institutions….Helping financial institutions…. MANAGE RISK MANAGE RISK SIMPLIFY COMPLIANCE SIMPLIFY COMPLIANCE OPTIMIZE EFFICIENCY OPTIMIZE EFFICIENCY Corporate History: 14 years, 40+ states 250 Financial Institutions

Centrix Solutions Inc. Centrix & Fiserv…. What is the relationship? Centrix & Fiserv…. What is the relationship? Centrix and Fiserv are business partners Fiserv is a referral partner of Centrix Fiserv hosts/operates Centrix software from the Western Region data center Centrix Exact/TMS™ for positive pay Centrix PIQS for ACH risk management Fiserv Western Region is national hosting facility for Centrix software offered to data center clients of ALL Fiserv core processing systems Centrix and Fiserv are business partners Fiserv is a referral partner of Centrix Fiserv hosts/operates Centrix software from the Western Region data center Centrix Exact/TMS™ for positive pay Centrix PIQS for ACH risk management Fiserv Western Region is national hosting facility for Centrix software offered to data center clients of ALL Fiserv core processing systems

Centrix Solutions Inc. Centrix Products

Centrix Solutions Inc. Centrix & Fiserv…. What is the relationship? Centrix & Fiserv…. What is the relationship? Fiserv will host if…. Core is hosted, OR Online banking is hosted by Fiserv Otherwise, Centrix will host or in-house In-house…always Internal application

Centrix Solutions Inc.

Centrix Solutions Inc. Why Exact/TMS™? The needs of the FI go beyond the features of the cash management system ACH positive pay New strategy to target larger commercial clients Competition Customer demand Exact/TMS™ 180 Licensed FI’s

Centrix Solutions Inc. Corporate Transaction Management ACH & Check Positive Pay …in a single system Check Positive Pay Check Positive Pay ACH Positive Pay ACH Positive Pay Check Exceptions Check Exceptions Consistent alerts Consolidated exceptions CONSISTENT USER EXPERIENCE Add ACH Rule on the Fly ACH Exceptions ACH Exceptions

Centrix Solutions Inc. Corporate Transaction Management Positive Pay…and more! …in a single system Check Positive Pay Check Positive Pay ACH Positive Pay ACH Positive Pay ACH Detail Reporting EDI / Returns ACH Detail Reporting EDI / Returns Account Reconcilement Account Reconcilement Single Signon from Online Banking

Centrix Solutions Inc. ACH Positive Pay …… more than an ACH block! ACH Pre-Authorization A List of Pre-Approved ACH Originators ACH Pre-Authorization A List of Pre-Approved ACH Originators Customer is alerted if there is ACH activity from an originator not listed

Centrix Solutions Inc. ACH Positive Pay …… more than an ACH block! ACH Filter/Block Monitoring to Identify Unusual Activity ACH Filter/Block Monitoring to Identify Unusual Activity Customer is alerted if there is ACH activity that meets any of these rules Example of an ACH debit block

Centrix Solutions Inc. Account Reconcilement Account reconcilement Recon file download (BAI2, csv or customized format) –Download –Batch extract Full online reconcilement statement Partial Account Reconcilement (checks only) Deposit reconcilement Self-service reporting Outstanding checks Paid checks Stale dated checks ACH transactions Exact/TMS™

Centrix Solutions Inc. Check Positive Pay Positive pay at the teller line Exact/TMS™ **BEST PRACTICE** Positive pay at the teller line will detect fraudulent checks as the teller is processing the transaction. **BEST PRACTICE** Positive pay at the teller line will detect fraudulent checks as the teller is processing the transaction. Exact/TMS™ will be interfaced with Integrated Teller soon! **Testing to begin in Q4 Exact/TMS™ will be interfaced with Integrated Teller soon! **Testing to begin in Q4

Centrix Solutions Inc. Catering to Large Clients Payee Match Exact/TMS ™ Exact/TMS™ is used by FI’s to attract and retain large, profitable commercial clients What do large clients expect? Exact/TMS™ is used by FI’s to attract and retain large, profitable commercial clients What do large clients expect? Payee Match prevents fraud by automatically locating and recognizing the name on a check, and validating it against the check issue file. Traditional check positive pay is focused on the micr- line data only

Centrix Solutions Inc. Catering to Large Clients Payee Match Exact/TMS ™ Exact/TMS™ is used by FI’s to attract and retain large, profitable commercial clients What do large clients expect? Exact/TMS™ is used by FI’s to attract and retain large, profitable commercial clients What do large clients expect? Automated processing of received “direct send” issued files Reconcilement with “direct send” delivery of recon file SMS text message alerts ACH/EDI reporting & ACH returns reporting

Centrix Solutions Inc. ACH Reporting & Fraud Detection Helping the Community Bank

Centrix Solutions Inc. Why Centrix PIQS? Monitoring / Fraud Detection Lack of monitoring ACH Reporting Compliance Understanding origination activity Reporting from core ACH system is difficult Simple & Effective for Community Banks Payments I.Q. System

Centrix Solutions Inc. ACH Risk Management Protecting the ODFI ACH Activity Reporting ACH Activity Reporting ACH Origination Monitoring ACH Origination Monitoring Customer Risk Analysis Customer Risk Analysis ACH Warehousing ACH Warehousing Create end of day onus file and FED file Greatly simplify risk assessments

Centrix Solutions Inc. Passed to PIQS Workflow Originated Files Received CENTRIX PIQS VALIDATION RULES CENTRIX PIQS VALIDATION RULES Anomaly detection Is it Scheduled? Exposure Limits SEC Codes Centrix PIQS Processing Flow PIQS ACH Data Warehouse Validated Statistical Metrics Exception Reporting Originator Reporting Statistical Metrics Exception Reporting Originator Reporting Corporate Clients Originated ACH Files Originated ACH Files Incoming ACH File(s) Incoming ACH File(s) Warnings or Errors Warnings or Errors Alerts & Overrides Alerts & Overrides Billing File Billing File Financial Institution or Fiserv

Centrix Solutions Inc. Management Console Exceptions awaiting a processing decision White List Exception White List Exception Calendaring Exception Calendaring Exception ACH Origination Monitoring

Centrix Solutions Inc. Originator Definition (Originator 1) ABC Company (Originator 1) ABC Company File Definition File Definition File Definition File Definition File Definition File Definition File Definition File Definition File Definition File Definition Business Unit 1 Business Unit 1 File Definition File Definition (Originator 2) XYZ Company (Originator 2) XYZ Company Business Unit 2 Business Unit 2

Centrix Solutions Inc. Originated | Received | Returns ACH Activity Reporting ACH Activity Reporting For many community FI’s reporting is difficult using the core ACH system. PIQS Provides a Solution! For many community FI’s reporting is difficult using the core ACH system. PIQS Provides a Solution!

Centrix Solutions Inc. ACH Activity Reporting Report Filter Report Filter

Centrix Solutions Inc. ACH Activity Reporting Report Filter (continued) Report Filter (continued)

Centrix Solutions Inc. ACH Activity Reporting Transaction Amounts by Day Report

Centrix Solutions Inc. ACH Activity Reporting Transaction Monthly Volume Report

Centrix Solutions Inc. ACH Activity Reporting Transaction Types Report

Centrix Solutions Inc. ACH Activity Reporting Returns by Reason Code Report

Centrix Solutions Inc. ACH Activity Reporting Unauthorized Returns Monitoring/Reporting

Centrix Solutions Inc. ACH Activity Reporting Origination File Processed Report – by Day By Day By Day

Centrix Solutions Inc. ACH Activity Reporting Graphs

Centrix Solutions Inc. Risk Analysis Across Multiple Channels… Simplified Risk Review Worksheet Risk Review Worksheet

Centrix Solutions Inc. Risk Review Worksheet Company or Business Unit Next Review Date Business Unit 1 Business Unit 1 File Definition File Definition (Originator 2) XYZ Company (Originator 2) XYZ Company Tracking the Next Risk Assessment Date

Centrix Solutions Inc. Risk Review Worksheet On the Next Review Date the customer is added to the Risk Assessment Queue for the relationship manager Risk Assessment Queue Click “Select” to view Risk Worksheet

Centrix Solutions Inc. Risk Review Worksheet Risk assessment queue  based on Next Review Date Cross channel risk review Integrate relevant data from other applications Add notes Attach supporting documents Centrix PIQS Loans Deposits RDC Work with Centrix to define the relevant data you need to see The flexibility of the Risk Worksheet allows each FI to be unique

Centrix Solutions Inc. Risk Review Worksheet View account activity from other applications Attach supporting documents

Centrix Solutions Inc. Risk Review Worksheet View account activity from other applications Add NOTES to document the findings of the assessment

Centrix Solutions Inc. Risk Review Worksheet Origination activity for review period

Centrix Solutions Inc. Risk Review Worksheet Returns historyACH limit violations are automatically listed

Centrix Solutions Inc. Risk Review Worksheet Make recommendation to adjust the exposure limit

Centrix Solutions Inc. Solutions Inc. Debit Card | ACH | ATM Eliminate Spreadsheets Automate the Back Office Simplify Compliance Eliminate Spreadsheets Automate the Back Office Simplify Compliance

Centrix Solutions Inc. What is the business challenge? Dispute Management Dispute management is paper based Excel or Access in back office Manual effort to track Reg E timelines and manage disputes Adjustment transactions and customer letters are manual Dispute management is paper based Excel or Access in back office Manual effort to track Reg E timelines and manage disputes Adjustment transactions and customer letters are manual Efficiency Accuracy Compliance

Centrix Solutions Inc. There is a better way! Dispute Management Simplified dispute input Streamline the back office Reg E timeline management Auto post adjustments Letter production Utilize for ALL types of transaction disputes Debit Card, ATM, ACH, Wire, Check Disputes… Simplified dispute input Streamline the back office Reg E timeline management Auto post adjustments Letter production Utilize for ALL types of transaction disputes Debit Card, ATM, ACH, Wire, Check Disputes… CaseManagement

Centrix Solutions Inc. Making your customer service representatives efficient and accurate! The Front Line VALUE PROPOSITION

Centrix Solutions Inc. Disputes that are saved by the front line are workflowed to the back office. An alert is generated to notify the appropriate personnel. Simplified Dispute Input The Back Office The dispute is placed is the appropriate work queue. Based on the transaction type the dispute can be routed to a unique queue

Centrix Solutions Inc. Simplified Dispute Input The Back Office VALUE PROPOSITION

Centrix Solutions Inc. Simplified Dispute Input Other Benefits Auditing and Compliance VALUE PROPOSITION

Centrix Solutions Inc. Simplified Dispute Input Search to find the account Select the transaction(s) being disputed The Front Line Click Transaction activity integrated from the core

Centrix Solutions Inc. Simplified Dispute Input Enter a Dispute Reason and other notes. Attach supporting documents. Click NEXT Enter a Dispute Reason and other notes. Attach supporting documents. Click NEXT The Front Line Dispute Reasons are defined by the FI.

Centrix Solutions Inc. Simplified Dispute Input Enter a Dispute Reason and other notes. Attach supporting documents. Click NEXT Enter a Dispute Reason and other notes. Attach supporting documents. Click NEXT The Front Line Dispute Reasons are defined by the FI. Example of ACH

Centrix Solutions Inc. Simplified Dispute Input The institution may define a dispute questionnaire to collect additional information from the customer. A unique questionnaire can be created for each dispute reason. Click NEXT The institution may define a dispute questionnaire to collect additional information from the customer. A unique questionnaire can be created for each dispute reason. Click NEXT The Front Line

Centrix Solutions Inc. Simplified Dispute Input Based on the type of dispute, the appropriate form is displayed. Centrix will work with the institution to define the appropriate forms. No guessing on which form to use or which sections to complete! Based on the type of dispute, the appropriate form is displayed. Centrix will work with the institution to define the appropriate forms. No guessing on which form to use or which sections to complete! If signature pads have been integrated with the system, click Sign Dispute to access the signature box. The form is pre-filled. All sections that still require data are encased in red. The Front Line

Centrix Solutions Inc. Simplified Dispute Input The Front Line Example of ACH Form

Centrix Solutions Inc. Simplified Dispute Input A PDF version of the dispute form is automatically created and attached to the dispute “case.” The dispute is ready to be “Saved” and workflowed to the back office. If signature pads are NOT being used, the CSR would print this document, have it signed and then scan and attach to the dispute. The Front Line

Centrix Solutions Inc. Manual Customer/Tran Input

Centrix Solutions Inc. Back Office Dispute Management The Dispute Processing Queue is a working queue for the back office. The Back Office Disputes past their expiration date Disputes submitted and awaiting review Disputes reviewed and sent back to the CSR Active disputes that have not yet received credit Disputes awaiting a customer signature Click “View” to drill down Disputes that are within 10 days of expiration date

Centrix Solutions Inc. Back Office Dispute Management Dispute Management Screen All case management functions are performed on this screen. Eliminate the spreadsheets and file folders! All case management functions are performed on this screen. Eliminate the spreadsheets and file folders! The Back Office Enter adjustment transactions, type notes, attach documents, update the status ONE-STOP SHOP For all things related to the case! ONE-STOP SHOP For all things related to the case!

Centrix Solutions Inc. Dispute Management Screen Back Office Dispute Management The Back Office Customer Adjustment Transactions Case Notes Attached Documents Case Level Information Disputed Transactions Customer exceeds pre- defined dispute activity level Set the Status

Centrix Solutions Inc. Back Office Dispute Management Dispute Management Screen The Back Office Add other disputed transactions to the case for things such as waiving fees or an interest adjustment Add Transaction Add Transaction

Centrix Solutions Inc. Back Office Dispute Management The Back Office AUDIT TRAIL Critical dates Adjustment transactions Contact notes Letters and documents

Centrix Solutions Inc. Back Office Dispute Management End of day automation… At the end of each business day, the adjustment transactions will be passed to the core processing system to post. NO NEED TO RE-KEY! At the end of each business day, the adjustment transactions will be passed to the core processing system to post. NO NEED TO RE-KEY! Certain actions, called “letter events,” will generate a customer letter at the end of the day. The Back Office

Centrix Solutions Inc. Back Office Dispute Management Reporting… Dispute Activity Report Dispute Activity Report Adjustment Transaction Report Adjustment Transaction Report Dispute History Report Dispute History Report Report Filter Report Filter The Back Office

Centrix Solutions Inc. Back Office Dispute Management Reporting… Dispute Activity Report Sample Report Sample Report

Centrix Solutions Inc. Solutions Inc. Debit Card | ACH | ATM DEMO

Centrix Solutions Inc. Solutions Inc. Drawing!!! $50 Amazon Gift Card

Centrix Solutions Inc. Solutions Inc. Brad Johnson Software for your Financial Institution Innovative Products | Extraordinary Service ….a Fiserv business partner