TREASURY MANAGEMENT
Transcription
TREASURY MANAGEMENT
TREASURY MANAGEMENT Corporate Administrator Getting Started Guide Compass e-Access® Table of Contents Getting Started 2 Automated Clearing House (ACH) Permissions20 Responsibilities of a Corporate Administrator2 Wire Transfer Services 23 Internet Service Providers 2 Account Permissions 23 Internet Browser Requirements 2 Bank-Defined Template Permissions 24 Operating System Requirements 2 Alert Permissions 25 Accessing Compass e-Access 3 Enhanced Lockbox Permissions 26 Logging In 3 Copying a User 26 Additional Security Protection 5 Deleting a User 28 Passwords 8 User Profile Report 29 Logging Out 9 Secondary Admin Approval 30 Getting Familiar with Compass e-Access 9 Security Center 32 Tips for Success 11 Resetting a Locked User 33 Corporate User Set Up 13 Definitions 35 Establishing Users 13 Group/Service Definitions 35 Additional Permissions 18 Book Approval Permissions 18 Contact Information 39 Electronic Report Delivery Permissions 20 TM-01-3003C rev. 10/12 Getting Started Responsibilities of a Corporate Administrator As the Corporate Administrator, you are responsible for setting up all Compass e-Access Users. This includes establishing them on the system, determining transaction authority levels, and granting permission to access accounts and functions. As the Corporate Administrator, both your company and BBVA Compass will rely on you to ensure Users are set up and working properly on the system. If your company will have three or more Compass e-Access Users, you must establish a Back-up Corporate Administrator. This will enable you to share responsibilities, back each other up, and perform User maintenance on each other. Tip: Only Corporate Administrators can perform certain functions, and you cannot perform maintenance on your own User ID. If you have less than three Compass e-Access Users and choose not to establish a Back-up Corporate Administrator, any maintenance on your User ID will need be to performed by BBVA Compass. Please note, whenever contacting the bank for resetting a User’s password, the caller will be asked to provide their Customer ID, User ID and the Authentication Keyword before their password will be reset. If your company has elected to use Secondary Admin Approval, any change to a User’s service permissions must be approved by a different Corporate Administrator before the change is completed. We are sure you will find Compass e-Access easy to use and maintain. Please contact us if you have any questions or require assistance. Internet Service Providers Compass e-Access does not require you to use a specific Internet Service Provider (ISP). However, please be advised that the connection speed offered by your ISP will affect the performance speed of the Compass e-Access system. Internet Browser Requirements Compass e-Access is compatible with the browsers listed below. To verify the version of your existing browser, launch the browser and click on HELP, ABOUT. The browser version will display. Or, if you prefer, Compass e-Access will automatically verify your browser’s security level the first time you access the web site. Should you need to upgrade to a compatible browser, please visit the provider’s web site listed below. Browser Name Microsoft Internet Explorer Supported Versions v7.0 - v9.0 Web Site for Updates http://www.microsoft.com/windows/ie/default.asp Firefox 7 http://www.mozilla.com/en-US/firefox/ all-older.html Google Chrome 21 https://www.google.com/intl/en/chrome/browser/ Apple Safari 5.1 http://www.apple.com/safari/ Operating System Requirements Compass e-Access will run on any browser / operating system combination that is supported by the browser vendor listed above. 2 Accessing Compass e-Access After launching your Internet browser, type the following address in the URL line, click GO. https://e-access.compassbank.com To bookmark the page, click Ctrl-D at the same time. The site will be automatically saved to your “Favorites” folder. Authorized Users can also use a mobile device with a browser as an alternative channel for accessing Compass e-Access. The Mobile Banking URL is: https://e-access.compassbank.com/mobile The steps to bookmark the mobile URL vary slightly by mobile device. Within your mobile browser, select More or Options then select Add Bookmark. Logging In When you access the site, you will see the following Log in Screen. The Customer ID and Password information is included in the welcome letter that came with your Compass e-Access welcome kit. Your User ID and temporary Password were sent to you via e-mail. Tips: • The Password fields are case sensitive. • You have three (3) chances to log in successfully. • If you are having difficulty logging in, please contact BBVA Compass for assistance. If this is your first time logging into the system, you will be prompted to enroll in Dual Verification. You can log in 3 times before you must enroll but we recommend enrolling right away. With Dual Verification you will select an image and short phrase as well as answer 3 challenge questions that can be used to identify you upon future log ins. As a reminder, Password Reset security questions identify a User attempting to change their Password. Dual Verification challenge questions are used to identify a User logging in from a PC that is not recognized. 3 After you successfully enroll in Dual Vertification, you will be prompted to answer three additional security questions. These questions are different from the Dual Verification and will be used to identify you when you wish to reset your own Password. Note: Users with Corporate Administration permissions and/or ACH Users and Wire Users will need to choose between using One Time Passcodes or an RSA SecurID® token for additional authentication before accessing certain services. Also, the User’s choice of either One Time Passcodes or an RSA SecureID token will be their authentication method when logging into Compass e-Access Mobile Banking. Users selecting One Time Passcodes will need to enroll in the service before proceeding with the log in process. They will see the following screen: You may select any combination of delivery options and may add up to three addresses for each delivery method. When you have added all your information, press SUBMIT. Verify that all your contact information is correct and press SAVE. 4 Additional Security Protection To protect your online banking session and account information, users must download Trusteer’s Rapport security application before completing the login process. BBVA Compass is making this software available for download free of charge and it must be on all computers you will use to access Compass e-Access. Rapport provides additional protection againt, and will even remove, malicious viruses that attempt to steal your login credentials and other sensitive information that most antivirus systems are not equipped to address. Trusteer’s Rapport will not interfere with your computer’s existing security software. This pop-up message will appear every third time you access the Compass e-Access website until you download the software. If you do not wish to download this security tool, click the “X” in the upper right-hand corner. To download the software, click on the “Download Now” link. You will be presented with the following options. Select “Run.” 5 You will be presented with the following screen message: Again, select “Run.” Select “OK.” 6 Click “Install.” Once the download is completed, you will be presented with the following website introducing you to Trusteer’s Rapport application. Click to close and proceed with Compass e-Access. 7 Passwords Next, you will be prompted to change the Password for your User ID. Passwords must be between 8 and 10 characters, and must contain at least one(1) capital letter and one (1) number. Once you are enrolled in Dual Verification, Password Reset, and One Time Passcodes (if applicable), logging in will only be a two step process. When you access the Compass e-Access site, you will see the following initial Log in Screen. If you are accessing the system from your normal computer you will be presented with the image and phrase you selected and prompted for your User Password. If you are accessing the system from a different computer, you will be presented with one of the Dual Verification challenge questions you selected. Upon answering the question correctly you will be presented with your image and phrase and prompted for your User Password. Tips: • The Password fields are case sensitive. • You have three (3) chances to log in successfully. • If you are having difficulty logging in, please contact BBVA Compass for assistance. Even if you have downloaded Trusteer’s Rapport to your primary computer, you must also download it to any other computers you may use in order to complete the login process. Please Note: Due to the security enrollment procedures outlined above, new users must log into the Compass e-Access website from a PC for their initial log in. Thereafter, users may access the system from either a PC or mobile device. 8 Logging Out To exit Compass e-Access, simply click LOGOUT located at the top of your screen. For security purposes, it is recommended you log out of the system every evening and each time you step away from your desk. Getting Familiar with Compass e-Access After a successful log in, you will see the following screen. The parts of the screen are outlined below: Group Menu - A “group” is a service or module, such as ACH or Wire Transfer. Links to BBVA Compass Home Page, Treasury Management’s Extranet. HELP — Online help information. BULLETINS — Periodically, BBVA Compass will send important news to you. A pop-up will appear on your screen after you log in to indicate you have new or unread Bulletins. If you need to review a previous bulletin click here. SUPPORT CENTER - Users can initiate a live chat session with a BBVA Compass support representative. Under Support Center, users also have the ability to see a list of Treasury Management support contacts. LOGOUT — Exit Compass e-Access. User Log in Information Tip: Click on “TM Resource Central” to download or view the most current version of your Compass e-Access User Guides. The User Name is “treasury” and the Password is “management”. Note: When viewing Bulletins, please be sure you do not have “pop-up blocker” enabled. Or if you do have “pop-up blocker” enabled, be sure to allow pop-up windows from the Compasas e-Access site. Moving around the system is very easy and intuitive. The function you will use most is the Group Menu. Click on the arrow and you will be presented with a drop-down menu. Tip: As the Corporate Administrator, you will see all of the groups that your company has activated. A User, however, will only see those groups to which they have been granted access. 9 Select the group you wish to use and you will be taken to that group’s functions. From here, select service the tab that represents the specific function you wish to perform. For streamlining your Compass e-Access sessions, you may select your desired Landing Page which will be the first screen you see upon subsequent logins. For example, if the first thing you wish to check is your Cash Position Worksheet you can designate that screen as your landing page. 1. To set your desired starting point upon login, select the Security Center group from the drop down list then select the Self Admin service tab. 2. At the bottom of the screen select the desired service tab from the Landing Page dropdown list for where you wish to start each online session. 3. At any time you can return to this screen and select a different landing page setting from the drop down list. 10 Tips for Success Listed below are some useful tips that will help Compass e-Access Users navigate throughout the system. Archiving: Compass e-Access maintains one hundred twenty (120) calendar days worth of data. If you would like to keep balance and transaction records older than 120 days, it is recommended you export this information to your local hard drive, server, or other storage media. Automatic Logout/ Timeout: If you are logged into Compass e-Access and do not perform some type of “activity” (such as navigating to another screen) within fifteen (15) minutes, your session will automatically time out. Should that occur, you will be presented with the “session time out alert” pop-up box. To extend your session without losing data, click RESUME. Or you may click LOGOUT to exit immediately. Bulletins: Periodically, BBVA Compass will send important information to you via a Bulletin. A pop-up box will automatically appear each time you log in until you have read all the messages. If you need to review a message that you read previously, click on BULLETINS located at the top of your screen. Customer IDs, User IDs and Passwords: The Customer ID and Password are the same for all of your company’s Compass e-Access Users. The Customer Password will not change. The User ID and Password are unique to each individual User. Please remember that Passwords are case sensitive. Compass e-Access will automatically prompt Users to change their User Password the first time they log in and every 30 days thereafter. User Passwords should never be shared with another User and should be kept strictly confidential. Contacts: If you need to locate a phone number, fax number, or e-mail address, click on SUPPORT CENTER, then the CONTACT. You will be presented with a listing of BBVA Compass’ Business Relationship Services groups and Treasury Management Sales. Find/Refresh: The FIND/REFRESH button is a very useful tool in the Compass e-Access system. If it appears that something is missing from a menu, simply click the FIND/REFRESH button and it should appear. If it still appears that the information is missing, be sure to clear out any search criteria that may be present. First Time Log in: The first time you log in to Compass e-Access you will be prompted to enroll in Dual Verification. You will have 3 log ins before you must enroll but we recommend enrolling right away. You will also be prompted to reset your User Password and to answer several security questions which will allow you to reset your own Password as needed. Be sure to keep your User Password confidential. Groups: Groups are also known as services or modules. When you select a group you are selecting the service you wish to access. For example, ACH, Wires, and Information Reporting are service groups. If a service group appears to be missing from your dropdown menu, then your User ID has not been granted access to that group. Please contact BBVA Compass if you need access to that service. Help: Help is available online. Click the HELP link located at the top of your Compass e-Access screen for information regarding the screen currently selected. Or, if you prefer, you may click on SUPPORT CENTER to initiate a live chat session with a BBVA Compass support representative. 11 Inactive User Lockout: A User will be automatically locked out of Compass e-Access after sixty (60) days of inactivity. Logging in: You have three (3) attempts to log into the system successfully. Please remember that Passwords are case sensitive. If you become locked out of the system you will need to contact BBVA Compass for assistance in resetting your User Password. If a Corporate User requires Password assistance they should contact a Corporate Administrator. Money Transfer: Money Transfer is also known as Wire Transfer. Multi-factor Authentication: For your online banking security, Compass e-Access employs multifactor authentication (MFA) in several places. The Dual Verify functionality at log in is one form of MFA that applies to all users. Additionally, Corporate Administrators, ACH Users and Wire Users will require additional MFA in order to access certain services such as User Admin, ACH Batches, Wire Input, etc. Each User within a Customer ID may choose to use either One Time Passcodes or a RSA SecurID token. Navigation Tips: You need only click one time in order to execute instructions within Compass e-Access. When making selections, you can select one item by highlighting that item and clicking once. Use your SHIFT key in conjunction with your mouse to select all available options. If you would like to select multiple items from a list, use your CTRL key with your mouse and simply click on each desired item. In serveral places you will see a Hold Selected button under an account list. This feature allows you to select specific accounts and hold them while you search for additional accounts to include in the report or query. Numbers in Parenthesis: When you are asked to input information you will sometimes see numbers in parenthesis, for example: Name (40). The number represents the maximum number of characters that can be entered in that field. One Time Passcodes: One Time Passcodes (OTP) are also known as “soft tokens.” A User establishes one or more addresses for receiving text messages, voice messages and/or e-mail messages. When the additional security is activated, the User selects which delivery option for the passcode at that time. The user will receive a six digit code and have three attempts to enter the information correctly before proceeding with their transacton. One Time Passcodes will be the default option when a new User is added. The User can choose to stay with OTP or be switched to a RSA SecurID® token. Red Type: When you are entering information into Compass e-Access, some fields will be presented in red type. This is a required field. RSA SecurID® Token: As an alternative to One Time Passcodes, Corporate Administrators, ACH Users and Wire Users may elect to use a hard token, BBVA Compass will issue authorized users a RSA SecurID token. The number displayed on the face of the token changes every sixty (60) seconds. This number, along with your User ID and Personal ID must be entered into the system within this time frame. Users have three attempts to enter this information before becoming locked out of the system. If a User becomes locked out of the system, they must contact BBVA Compass for assistance. Web Site Address: The URL address for Compass e-Access is https://e-access.compassbank.com. You can save this address to your “Favorites” folder by clicking on Ctrl-D simultaneously. The URL for Compass e-Access Mobile is: https://e-access.compassbank.com/mobile The steps to bookmark the mobile URL vary slightly by mobile device. Within your mobile browser, select More or Options then select Add Bookmark. 12 Corporate User Set Up Use the following user set up method to add, delete or modify Corporate Users on the Compass e-Access system. As an added security precaution, Compass e-Access automatically generates e-mail alerts to all Corporate Administrators whenever certain changes are made to a user’s profile. Changes prompting notification include: • User added or deleted • User service permissions are defined or modified • User ACH, book transfer, or wire transfer limits are defined or modified • User alert delivery channels are updated If your company has elected to use Secondary Admin Approval, please refer to “Secondary Admin Approval” for procedures to complete the approval process for adding new Users or adding new services permissions. Establishing Users Tip: You cannot establish services or perform maintenance on your own User ID. If there is only one Corporate Administrator and maintenance needs to be performed for that individual, you will need to contact BBVA Compass for assistance. 1. From the group selection menu, select CORPORATE USERS. 2. Select the USER ADMIN tab. For added security, Corporate Administrators must be successfully authenticated before adding Users or modifying any User’s services, permissions, information or status. Depending on your authentication method, you will be presented with one of the two following screens: Tips: • If you use One Time Passcodes for authentication, you will be presented with this screen. • Select which of your existing delivery options you wish to receive your One Time Passcode by clicking the applicable link. • When your six digit passcode is received, enter it into this screen and select CONTINUE. 13 Tips: •If you use a RSA SecurID token for authentication, you will be presented with this screen. •Enter your RSA UserID and Passcode (Personal ID plus the number displayed on your RSA SecurID token) and click SUBMIT. •Be sure to enter the token number while it is still displayed on your token. The number changes every sixty (60) seconds. 3. Once authenticated, the following screen will display. You will be presented with a list of your company’s Users. Tip: If this is the first time you have accessed the system, the Corporate Administrator will be the only User listed. 4. To add a new User, click on the ADD USER button. 5. Complete the User information on the left hand side of the screen. All fields highlighted in red are required fields and must be populated. Note: The field named “Dashboard Style” is not applicable for BBVA Compass so selecting either option does not matter. Tip: The fastest way to add a new user is to select an existing user with similar services, permissions, and limits to copy. You can then add, change, or delete specifications to suit the new user’s unique profile needs. See “Copying a User”. 14 6. To grant the User permission to access one or more services, simply click on the check box by that service. If you wish to grant all of the services within a service group, you can click on the group level box. Tips: •Only the services for which your company has signed up will appear in this list. If you believe you have signed up for a service that is not listed here, please contact BBVA Compass for assistance. •There are some services that are for Corporate Administrators only. It is recommended you do not assign these services to non-Corporate Administrators. This will prevent the User from ever seeing the service tab. Should any of the services be assigned to a non-Corporate Administrator, the User will receive an error message if they try to use that function. Corporate Administrator Only Functions ACH User Permission Admin Approval Admin Report Alerts Delivery Channel Permissions Audit Report Book Approval Requirements ERD Report Permissions Lockbox User Permissions MT Template Permissions Password Report Dual Verify Report User Administrator Tips: •Users with Corporate Administrative permissions and/or ACH Users and Wire Users will need either One Time Passcodes or a RSA SecurID® token. By default, all new Users are automatically flagged for One Time Passcodes. If this is the User’s preference, you will need to permission them the Self Administration service under the Administration group heading so they can maintain their OTP delivery channels. If the User prefers to use a token, please submit a Compass e-Access Security Request form to BBVA Compass and the token, along with instructions for its use, will be shiped directly to the User. Also, please send an e-mail to [email protected] notifying the BRS Technical Support Team that the user has been added. They will flag the user for token use. •If your company has subscribed to a system in a single sign on from Compass e-Access, you will see that system listed in the “Outbound SSO Services” section. User access is permitted by checking the service on this screen then following the set up instructions in that system’s separate user guide. 7. Once you have all the desired services selected, click the NEXT button at the bottom of the page. You will be presented with the following screen: 8. For each service listed across the top of the screen, select the account number you wish the User to access within that service. Note: The accounts selected for BR – Same Day Reports will also be included in the Cash Position Worksheet if that service is permitted to a User. 15 If the User was granted access to ACH services you will see the following section at the bottom of this screen: 9. Within each ACH Company ID select the transaction type(s) that this User is authorized to originate on behalf of your company. If the user may originate for all of the transactions types you can simply click on the ACH Company ID box. 10. When you have completed this section, press NEXT. 11. This screen allows you to establish the dollar limits and transaction limits for each type of transaction to which this User has access. Be sure to include decimal points when keying amounts. ACH Batch Limits a. Maintenance – Granting a User access to Maintenance functions allows him or her to add new ACH batches and edit entries within existing ACH batches. b. Activation – Activation allows a User to initiate ACH transactions using previously established batches. c. Approval – Approval allows a User to approve previously activated ACH batches. d. $ Limit/Item – For this User, this is the maximum dollar amount of any one ACH entry contained within an ACH batch. e. $ Limit/Batch – For this User, this is the maximum total dollar amount of any one ACH batch. 16 Book Transfer Limits This section provides you the opportunity to establish dollar limits, number of transaction limits and credit/debit permissions for each account. Be sure to complete the information for each Book Transfer account you have assigned to the User. Tip: Book Transfer dollar limits apply only to accounts that are being debited. a. Account Type – Select From, To or From/To. “From” means that this User can only debit this account. “To” means that this User can only credit this account. “From/To” means the User can both debit and credit this account. b. Entry/Txn – This is the maximum dollar amount that this User can debit from this account in one book transfer transaction. c. Entry/Day – This is the maximum dollar amount that this User can debit from this account per day, regardless of the number of book transfers initiated. d. Max # Per Day – This is the maximum number of book transfers that can be performed on this account by this User per day. Wires Limits This section allows you to establish dollar limits for each account to which this User has Wire Transfer access. a. Entry/Txn – This is the maximum dollar amount this User can enter for each wire transfer. b. Entry/Day – This is the maximum total dollar amount this User can enter for one or more wire transfers per day. c. Approval/Txn – This is the maximum dollar amount this User can approve on each wire transfer. d. Approval/Day – This is the maximum total dollar amount this User can approve for one or more wire transfers per day. e. Template Only – Check this box if you do NOT want this User to initiate Free-Form Wires for this account. This User will be able to initiate wires using only Customer-Defined Templates. f. Allow Drawdowns – Check this box if you want this User to initiate drawdown wire transfer requests for credit to this account. A drawdown request contains company initiated instructions to debit its own or another party’s account at a different financial institution. The party being debited must authorize the transfer. Loans Limits This section provides you with the opportunity to establish dollar limits and number of transaction limits for each account. Tip: Loan Transfer dollar limits apply only to accounts that are being debited. a. Entry/Txn – This is the maximum dollar amount that this User can debit from this account in one loan transfer transaction. b. Entry/Day – This is the maximum dollar amount that this User can debit from the account per day, regardless of the number of loan transfers. 17 c. Max # Per Day – This is the maximum number of loan transfers that can be performed on this account by this User per day. Once you have established the desired limits, press the SUBMIT button at the bottom of the screen. Additional Permissions Tips: •To complete this User’s set up for certain services, please see “Automated Clearing House (ACH) Permissions”, “Book Approval Permissions”, “Electronic Report Delivery Permissions”, “Enhanced Lockbox Permissions” and “Alert Permissions”. •A User’s permissions for the available mobile channel services are the same as the User’s permissions granted through the above process. No additional setup steps are required for the User to perform the functions using a mobile device. The mobile channel services currently available include Information Reporting, Book Transfer and Wire Approval. Book Approval Permissions After permissioning the book accounts and setting the transfer limits, you may establish secondary approval requirements for book transfers using the following process. 1. Select Book Transfers from the drop-down menu. 2. Click on the Approval Requirements tab. 3. Select the User for which you want to assign book approval requirements. You will be presented with the screen. 18 following 4. With the User highlighted, select the account(s) for which you would like to assign approval requirements. Select the desired number of approvers. If you select 1 additional approver you must specify if same user allowed or a different user required. Then click Submit. Tip: You can assign different approval requirements for each account. But if you are assigning the same requirements for multiple accounts you can establish the requirements for all the accounts at the same time. 5. You will be presented with the following screen. Press SAVE. 6. You may review approval requirements for any or all of a User’s accounts by selecting either the Display Account Report or Display ALL Account Report link. You will be presented with the following screen. 19 Electronic Report Delivery Permissions The Electronic Report Delivery (ERD) group gives you access to bank reports such as bank statements, ACH Return Items and a variety of other reports. To grant a User access to this group: 1. Select ELECTRONIC REPORTS from the drop-down menu. 2. Select the ERD PERMISSIONS tab. 3. Select the User for which you wish to perform maintenance. You will be presented with the following screen: 4. Highlight the reports you wish to assign to this User, and click the right arrow key. Automated Clearing House (ACH) Permissions The ACH group allows your company to originate ACH transactions such as Direct Deposit of Payroll, Cash Concentration, etc. To set up users with access to this service group: 1. Select the ACH ADMIN group from the drop-down menu. 2. Click on the PERMISSIONS tab. 3. Select All Users from the list of users. The following screen will display: 20 4. Click the CUSTOMER ACH SETTINGS button. This will allow you to select the default template approval level for all new Users at your company. Template approval allows you to determine the level of approval required each time an ACH batch is added or updated. The choices are: a. None – One User can add or edit an ACH batch in one step. b. Same User Allowed – The same User or two different Users must add or edit an ACH batch and then approve it before it can be used. c. Same User Required – The same User must add or edit an ACH batch and then approve it before it can be used. d. Different User Required – Two different Users must add or edit an ACH batch and then approve it before it can be used. 5. Select the option you prefer and click SUBMIT. Tips: • If you do not select a default template approval level, it will remain at None. • If you wish to change the default level for existing Users at any time, you may do so by selecting the TEMPLATE APPROVAL OPTIONS button rather than the CUSTOMER ACH SETTINGS button. 6. Next, select the User you would like to set up. The following screen will display: Tip: ACH USER SETTINGS is only used if your company is set up for ACH Import. 7. If you wish to establish an overall limit for this user, click the USER OVERALL LIMITS button. The following screen will display: Overall limits apply to all batches activated or approved by the User for the same effective entry date. Please refer to “Group/Service Definitions” for definitions of the terms Batch Activation and Batch Approval. 21 8. Enter the desired limits. Be sure to include decimal points when keying amounts, but do not enter commas. Click SUBMIT. Tip: If you do not establish overall limits, they will remain at the default limits shown on the screen. 9. Next, select the ACH Companies to which this User should have access. Click on the right arrow to activate the company. Tip: ACH Companies are established by BBVA Compass. 10. Click the TRANSACTION TYPES button. The following screen will display: Tip: Template approval options may also be set individually for each User, ACH Company and ACH transaction type by selecting the TEMPLATE APPROVAL OPTIONS button. Doing so will override the default level selected in steps 4-5 above. 11. Select the transaction type(s) that this User is authorized to originate on behalf of your company and click the right arrow. The transaction type(s) selected will move to the Assigned Transaction Types box. 12. Select all of the Assigned Transaction Types and click on the AUTHORIZATION LIMITS button. The following screen will display: This screen allows you to establish the following dollar limits for each type of transaction to which this User has access. Be sure to include decimal points when keying amounts, but do not enter commas. 22 a. Batch Maintenance – Granting a User access to the Batch Maintenance function allows him or her to add new ACH batches and edit entries within existing ACH batches. b. Batch Activation – Batch Activation allows a User to initiate ACH transactions using previously established ACH batches. c. Batch Approval – Batch Approval allows a User to approve previously activated ACH batches. d. $ Limit/Item – For this User, this is the maximum dollar amount of any one ACH entry contained with an ACH batch. e. $ Limit/Batch – For this User, this is the maximum total dollar amount of any one ACH batch. 13. Once you have established the desired limits for the User, click on the SUBMIT button. 14. Click the CHOOSE COMPANY ID button. This will take you back to the main ACH Company Permissions screen. 15. Repeat steps 10-14 for each ACH company assigned to this User. 16. Repeat steps 6-14 for each ACH User. Wire Transfer Services Account Permissions The Wire Transfer group allows Authorized Wire Users to initiate the same day transfers of funds between financial institutions. Compass e-Access allows you to enter wire transfers three ways. Authorized Wire Users may enter wires without using a pre-defined wire template. These types of wires are called Free-Form Wires. You may establish wire templates on your own using Customer-Defined Wire Templates. Or, you may choose to have BBVA Compass establish wire templates for your company. These are known as Bank-Defined Wire Templates. The User Administration function allows you to establish dollar limits for Free-Form Wires and for wires entered using Customer-Defined Wire Templates. 23 Bank-Defined Template Permissions If your company has elected to use Bank-Defined Wire Templates, you will need to grant Users access to those templates. To grant permission to Bank-Defined Templates: 1. Select WIRE ADMIN from the group drop-down menu. 2. Select the TEMPLATE PERMISSIONS tab. 3. Choose the User for which you wish to perform maintenance. The following screen will display: 4. Choose the wire template(s) you wish to assign to this User, and select the right arrow. The template will move to the Active Templates box. 5. A CHANGE ENTRY/APPROVAL LIMITS button will appear to the right of the Active Accounts box. Select all templates and click on this button. You will be taken to the following screen. This screen allows you to set up dollar limits for each wire template assigned to this User. Tip: If limits are not established for each template, the User(s) will not be able to initiate or approve wires because the default is set to zero. 24 Max Entry: This is the maximum dollar amount this User can enter using this template. Max Entry Per Day: This is the maximum total dollar amount this User can enter using this template one or more times per day. Max Approval: This is the maximum dollar amount this User can approve on each wire transfer entered using this template. Max Approval Per Day: This is the maximum total dollar amount this User can approve for one or more wire transfers entered using this template per day. Tip: If you established Max Entry Per Day and Max Approval Per Day limits under the Wire Account Permissions service, please set up the same limits for each template here. 6. Once you have established satisfactory limits, click the SUBMIT button. Note, all free-form wires of $2 million and over must be approved by a secondary (i.e. different) user. If you wish to change your previously selected approval requirements for free-form wires under $2 million, please contact BBVA Compass to request the change. Alert Permissions The Alerts Service allows authorized Users to receive notifications related to specific events, balances or transactions. Some alerts are delivered on a regular schedule while others are sent sporadically, depending on the alert and configuration. To grant permission to the Alert Service: 1. Select ALERTS from the group drop-down menu. 2. Select DELIVERY PERMISSIONS tab. 3. Activate the EDIT button at the bottom of the page. 4. Choose either the default setting or the individual delivery channel options you wish each corporate user to have available. 5. Once you have the delivery channels to your satisfaction, click the Save button. Tip: When the Alerts service is permitted to a User, they will automatically have access to the alert types that correspond to their other service permissions. For example, if a User is set up for Previous Day Information Reporting but not Wire Transfers, they will have access to the Account Balance notification but not the Wire Transfer alert type. 25 Enhanced Lockbox Permissions The Enhanced Lockbox service allows Users to view payment and remittance information received in a BBVA Compass Lockbox. Additionally, images of the payment and remittance documents are available for subscribing customers. To establish Enhanced Lockbox services for a User: 1. Select Enhanced Lockbox from the drop-down menu. 2. Select the Lockbox Permissions tab. 3. Choose the User you would like to setup and select Edit. The following screen will display: 4. Select the lockboxes to which this User should have access. Click on the right arrow to assign the lockbox. Tip: In order to complete this step, you must be using Internet Explorer 7.0 or 8.0 Firefox 3.6, or higher. 5. Once you have assigned the desired lockboxes for the User, click on the Save button. This will take you back to the Lockbox Permissions page. Repeat steps 3 - 5 for each User. Copying a User Once you have established a User, additional Users may quickly be added by using the copy feature. 1. From the group selection menu, select CORPORATE USERS. 2. Select the USER ADMIN tab. 3. Under the column heading “Copy” select the icon next to the User whose permissions you wish to replicate. 26 4. Enter the User Code and all required information for the new User. Also modify any address and contact information as applicable. Note: The field named “Dashboard Style” is not applicable for BBVA Compass so selecting either option does not matter. 5. On the right hand side of the screen will be the services granted to the existing User being copied. You may retain the same services or add and delete specific services as desired for the new User. 6. Select NEXT at the bottom of the page. 27 7. The services and accounts for the existing User will be displayed. You may select or unselect any services or accounts as applicable for the new User being added. 8. If the new User will have different ACH transaction type permissions than the existing User whose profile is being copied, be sure to make those changes at the bottom of this screen. Once the desired permissions for the new User have been set, select NEXT. 9. For each service, the limits for the existing User whose profile is being copied will be displayed. You may keep the limits the same or modify them as appropriate for the new User. 10. When you have set all the limits for the new User, select SUBMIT at the bottom of the screen. Deleting a User Deleting a User can be accomplished very easily and quickly. 1. From the group selection menu, select CORPORATE USERS. 2. Select the USER ADMIN service tab. 28 User Maintenance If you wish to modify any information in a User’s profile or add new services, accounts or limits to a user, from the USER ADMIN screen select the applicable link for User Info, Services, Permissions or Limits. You will be presented with the applicable screen populated with the User’s current information which you may easily modify. Be sure to select the SUBMIT button at the bottom of the screen to save your changes. 3. Under the column heading “Delete” select the icon next to the User you wish to delete. 4. The following message will appear: 5. Answering “OK” will delete the User and all of their permissions. User Profile Report Often you may wish to see a report of all the services, accounts and limits permissioned to a User. 1. From the group selection menu, select CORPORATE USERS. 2. Select the USER ADMIN service tab. 3. Select the magnifying glass icon under the “Details” column heading for the User. The following screen will display showing the User’s permissioned services, accounts for the services and limits. 29 4. Please remember that while all services are included in this report, there are still a few details you must obtain from the specific services. For example, this report may show a user has ERD permissions, but you must go to the ERD Permissions service tab to see which ERD reports the User may access. Similarly, this report may show the user has access to the Enhanced Lockbox service, but you must go to the Lockbox Permissions tab to see which lockboxes the user may access. Secondary Admin Approval The Secondary Admin Approval function establishes a requirement that the addition of a new User or updates to a User’s service permissions be approved by another Corporate Administrator before that change becomes effective. When a Corporate Administrator successfully adds a new User, you will receive the following pop-up message indicating that the User has been added to the database but is pending approval. 30 Similarly, when additional services are permissioned to a User you will receive the following message showing the new services will not become active until approved. A second Corporate Administrator will approve the changes as follows: 1. Select Corporate Users from the drop-down menu. 2. Click on the Admin Approval tab. You will be presented with the following screen: 3. At this point, you can click on the Info link to view the details and approve the new User setup then click on the Perm link to view the details and approve the new services added to the User. Or, you can follow an express route by selecting the User and clicking on the Review Selected button. This path will take you through both the Information and Permissions steps as follows. 31 4. From this screen, select the Approve button to approve the new User setup. This will take you to the following screen. 5. Select Approve to approve the new services being permissioned to the User. Multiple services may be permissioned to a User and approved by a second Corporate Administrator in groups. However, once you permission one or more services to a User, the second Corporate Administrator must approve that change before the first Corporate Adminstrator can make additional changes to the User. As an added security precaution, Compass e-Access automatically generates e-mail alerts to all Corporate Administrators whenever certain changes are made to a user’s profile. Changes prompting notification include: • User added or deleted • User service permissions are defined or modified • User ACH, book transfer, or wire transfer limits are defined or modified • User alert delivery channels are updated Security Center The Security Center services allow Users to reset their own User Password as well as update the images, phrase and challenge questions selected for their Dual Verification authentication. All Users will automatically be granted the Password Maintenance and Dual Verify Settings services. BBVA Compass will grant the designated Corporate Administrator with the Password Report service. The Password Report allows you to view the status of Users’ enrollment in the Password Reset service as well as the last time a User logged into the system. 1. Select Security Center from the drop-down menu. 2. Click on the Password Report tab. The following screen will appear: 32 3. Select one or more Users from the list then click on Run Password Enrollment Report. You will be presented with the following report: Note: A User will not be able to use the Password Reset service to change their own password if they do not have an e-mail address in their User profile. This report can be either printed or downloaded. Resetting a Locked User If a User is unable to log in and receives a pop-up message indicating their User ID is locked, there are several scenarios that could be preventing the User from logging in. For example, a User ID is locked after 60 days of inactivity. A User ID can be locked due to incorrectly entering their User Password too many times. A User can also be locked if they fail to answer their Dual Verification challenge questions correctly. To unlock a User ID: 1. Select Corporate Users from the drop-down menu. 2. Click on the User Admin tab. For added security, Corporate Administrators must be successfully authenticated before adding Users or modifying any User’s services, permissions, information or status. Depending on your authentication method, you will be presented with one of the two following screens: Tips: •If you use One Time Passcodes for authentication, you will be presented with this screen. •Select which of your existing delivery options you wish to receive your One Time Passcode by clicking the applicable link. •When your six digit passcode is received, enter it into this screen and select CONTINUE. 33 Tips: •If you use a RSA SecurID token for authentication, you will be presented with this screen. •Enter your RSA UserID and Passcode (Personal ID plus the number displayed on your RSA SecurID token) and click SUBMIT. •Be sure to enter the token number while it is still displayed on your token. The number changes every sixty (60) seconds. 3. Select the User and click their User Info link to receive the following screen: If the User received a message that their User ID is locked but the Log in Status indicates unlocked, then the User is locked in Dual Verification. The User will need to call BBVA Compass to be unlocked. They will need to give their Authentication Keyword when calling the bank. 4. If the User is locked due to inactivity, select the Unlocked radio button by Log in Status. If they have exceeded their number of password attempts, enter a new password in the applicable fields and select Unlocked. Then click Submit. 5. If the User is no longer able to receive One Time Passcodes on their current delivery options (i.e. they lost their cell phone), you can select Clear one time passcode delivery channels. This will prompt the User to establish their One Time Passcodes again the next time they attempt to log in. 6. If the User has forgotten the answers to their Password Reset security authentication, you can select Clear security questions. The User will need to answer the questions again in order for them to reset their own password going forward. As a reminder, Password Reset security questions identify a User attempting to change their Password. Dual Verification challenge questions are used to identify a User logging on from a PC that is not recognized. 34 Definitions Group/Service Definitions Name Description ACHActivate — ACH Batch Activation Activate established ACH batches. ACHApprove — ACH Batch Approval Approve ACH batches that have been activated. ACHBatch — ACH Batch Maintenance Enter a new ACH Batch or make changes to an existing ACH Batch. ACHException — ACH Exception Report View a report of processing errors related to recurring ACH batches. ACHImport — ACH Import Import ACH batches from other accounting systems or software packages. ACHMapDef - ACH Map Definition Define ACH file formats for use in the ACH Import service. ACHPartMnt — ACH Participant Maintenance Perform maintenance on an ACH participant, for example, updating a participant’s bank account number. Corporate Users will be given the opportunity to change information within all established ACH batches. ACHPassThru — ACH Pass-Thru Load a NACHA-formatted ACH file into Compass e-Access for processing. ACHPTApprove – ACH Pass-Thru Approvals Approve Pass-Thru files after they are accepted in the ACH Pass-Thru service. The user approves the entire file, including every batch and transaction within it. ACHPTReport — ACH Pass-Thru Report View a list of ACH files that have been loaded using the Pass-Thru service. ACHRpt — ACH Report View a list of activated ACH batches. ACHTmplAppr – ACH Template Approval Approve new ACH batches or changes to existing batches. ACHUserPerm — ACH User Permissions Assign ACH companies, transaction types, and dollar limits for each Corporate User. AdminApprove – Admin Approval View details of additions or changes made to one or more Users, but are pending secondary admin approval. This service allows you to approve the changes to User profiles and service permissions. AdminReport – Admin Report View a report of selected administrator updates and approvals. ALERTS — Alerts Establish contact point information. 35 Name Description AlertsDCP — Alerts Delivery Channel Select available delivery channel options for Corporate Permissions User alert notifications. Audit – Audit Report View a report of activity performed by your company’s Users. BKAppReq – Book Approval Requirements Establish User level requirements for book transfers. BKApproval – Book Approval View a report of all book transfers initiated, but not yet approved. This service also allows you to approve those book transfers. BKIn — Book Transfer Input Input a book transfer for processing. BKRept — Book Transfer Report View a report of selected book transfers. BRCPW - Cash Position Worksheet View either a summary or detail report of your current available balances plus enter additional transactions that may impact your estimated cash position. BRFavReport – BR Favorite Reports Establish reporting criteria and display preferences for either Same Day or Previous Day reports. Once established, these reports can be quickly executed to either display or export with one simple step. Favorite reports can either be shared with other Users or marked private. BrGroups — BR Transaction Groups Customize reports by establishing information reporting transaction groups that show only the transactions you select. BROfx – Transaction Download Quickly download balance and transaction data into Quicken, Quickbooks or Money software applications. BRPrevDayRpt — Previous Day Report View a report of previous day balances and activity and access online images of items that have posted to company accounts. Corporate Users may customize this report. BRSameDayRpt — Same Day Report View a report of current day activity, such as incoming wire transfers, Controlled Disbursement presentments, etc. Corporate Users may customize this report. ELBMngRpts — Enhanced Lockbox Manage Reports Define customized detail reports of desired data columns, lockboxes, and transaction types. ELBPerms — Enhanced Lockbox Permissions Grant Corporate Users permission to view reports of specific lockboxes. ELBRemitters — Enhanced Lockbox Remitter Name Service Grant Corporate Users permission to add and to edit remitter names in the database. ELBRpts — Enhanced Lockbox Reports View summary and/or detail reports of selected lockbox activity. 36 Name Description ERDPerm — ERD Report Permissions Grant Corporate Users permission to view electronic reports. ERDRept — ERD Report View an electronic report such as a bank statement, ACH Return Item report, or Account Analysis statement. FXRept – FX Rates Report View current foreign currency exchange rates used for international wire transfers initiated online. LNDraws – Loan Draw Service Input a loan transfer draw (advance) request for processing. LNPayments – Loan Payment Service Input a loan transfer payment request for processing. LNReport – Loan Customer Report Service View a report of current balances for each loan account as well as for each note (obligation) within a loan account (obligor). Corporate Users may also view previous day activity that has posted to these loan accounts, and for non-tiered loans you may also view intra-day activity initiated through Compass e-Access. LNTxnRpt – Loan Transaction Service View a report of loan draws (transfers) and loan payments initiated via Compass e-Access. MTApprove — Wire Pending Approvals View a report of all wires that have been initiated, but not yet approved. This service also allows you to approve those wires. MTBShortList — Bank Short List Customize your Wire Transfer Bank Short List by selecting your most frequently used beneficiary banks. MTGroup – Template Groups Create and manage groups of wire transfer templates that can be used in the Multiple Entry service. MTCustTempl — Wire Templates Enter or make changes to Customer-Defined Wire Templates. MTMap - MT Map Definitions Define wire transfer file formats for use in the MT Import service. MTImport – MT Import Import wire transfer instructions from other accounting systems or software packages. MTIn — Money Transfer Input Input a wire transfer request. MTMultin- Multiple Entry Enter multiple wire transfer requests from a single page using templates or template groups. MTRpts — Money Transfer Reports View a report of selected wire transfers. MTTmplApprov- MT Template Approval Approve new or updated Customer-Defined Wire Transfer Templates or delete changes to updated templates. 37 Name Description MTTPerm — MT Template Permissions Grant permission to enter wire transfers using selected Bank-Defined Wire Templates and establish limits for each Corporate User. MultiDay — MultiDay Activity Report View account activity over a specified period of time in a statement format. PDQRept — Previous Day Quick Reports View a report of previous day balances and transactions and access online images of items that have posted to company accounts. PPCRRqust – Positive Pay Check Return Request View checks that have posted to company accounts and enter return decisions. Users can also access images of checks that have posted to company accounts. PPFileImport – Positive Pay File Import Import a file of check issue and/or check void requests. PPIssueRpt – Positive Pay Issue Report View a report of manually entered and imported check issue and check void requests. PPManIssue – Positive Pay Manual Issues Enter one or more check issue requests. PPManVoid – Positive Pay Manual Voids Enter one or more check void requests. PPRept – Positive Payment View exceptions reported for company accounts and enter disposition instructions. Users can also access images of checks that have posted to company accounts. PrMaint – Password Maintenance Answer security questions which are used to identify you when requesting User Password resets. This service also allows you to reset your own User Password. PrRept – Password Report View a report of selected Users with their status in enrollment in the Password Reset service. This report also reflects the last time Users logged into the system. SDQRept — Same Day Quick Reports View a report of current day balances and transactions. 38 Name Description StopPay — Stop Payment Initiate a stop payment request or an inquiry to determine if a check has been paid. Access online images of items that have posted to company accounts. SuaSettings – Dual Verify Settings Update your challenge questions and answers used to authenticate you upon logging in. This service also allows you to update your selected image and phrase used to validate the system site. TransAccts – Transasction Group Accounts Specify which accounts to query when using a transaction group within a report request. UserAdmin – User Administration Add, change or delete Corporate Users and/or User permissons to services, accounts and limits. Contact Information Business Relationship Services Voice Fax E-mail Alabama & Florida 1-800-607-4444 205-297-6140 [email protected] Arizona, California, Colorado, New Mexico & El Paso, TX 1-800-236-2059 1-866-710-5186 [email protected] South Texas 1-800-570-2791 1-713-993-8551 [email protected] North Texas 1-866-876-4922 1-877-527-9736 [email protected] TM-01-3003C rev. 10/12 BBVA Compass is a trade name of Compass Bank, Member FDIC