Systar's Credit Risk Decisioning for ACH application provides real-time credit risk information from across a bank's systems to help bankers make informed just-in-time decisions on ACH credit exposure. The application collects and correlates customer data to present key risk metrics on pending ACH files through intuitive dashboards. This helps bankers balance risk with customer service by avoiding credit being denied or extended erroneously.

1. Business Activity Monitoring
by Systar
Credit Risk Decisioning for ACH
The Challenge
Financial institutions process ACH payments to provide a valued The application presents holistic, real-time credit risk information to
service to customers. However, it creates a significant credit risk make informed ACH file decisions while addressing two key areas
for banks as they typically commit to these transactions before of concern: credit extended in error and credit denied in error.
customer funding. In addition, credit decisions on customer ACH
files can have serious consequences - denying a transaction that Credit Extended in Error
could have been approved is potentially devastating to a corporate
Extending ACH credit beyond preset exposure limits is sometimes
customer, while approving one that should be denied is costly to
necessary, but it carries more risk. To ensure that additional credit
the bank.
is properly denied, Systar’s Credit Risk Decisioning for ACH application
During regular business hours, a decision to extend credit beyond provides timely information on two key areas of the client’s status at
a customer’s ACH credit line can be made by the personnel most the bank:
familiar with the client. Yet often customers submit late evening • Credit Extensions: Consolidates risk information from other lines
files in hope of making the last processing window. In these time- of business to provide a comprehensive view of credit risk as
sensitive situations, how can banks quickly make informed credit seen across silos.
decisions that balance risk with customer experience and retention?
• Risk Rating: Displays current risk rating for the client to show
The Solution whether the client has slipped below the level necessary to
support extending credit.
Systar’s Credit Risk Decisioning for ACH application provides the
most up-to-date customer credit risk information from across bank
systems and silos, to deliver accurate guidance for just-in-time
ACH credit exposure decisions. The application continuously
collects data from the bank’s processing environments, correlates
and compares it with historical data to provide complete information
for those tasked with making ACH credit decisions on familiar or
unfamiliar clients.
Decision makers can access real-time dashboards or automatically
receive an email with key information to take action from a remote
location. Based on an email response, Credit Risk Decisioning for
ACH can reset the suspended file within the processing application,
or if the bank prefers, notify operations to do so manually.
The Credit Context dashboard displays information on the pending file and
a bank-wide perspective of the client’s assets and credit exposure for an
informed decision.
www.Systar.com
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2. Credit Denied in Error The Right Decision About Systar
While extending ACH credit beyond estab- The Credit Risk Decisioning for ACH Over 180 clients worldwide, including 10
lished limits presents risk to the bank so application gathers and presents the most of the world’s 15 largest banks, rely on
too does denying it. For example, a key current information available on a client’s Systar’s performance management
software to maximize the efficiency of
customer’s payroll file is not processed due position, not just within ACH but across the
their business operations and IT infra-
to denial when, considering all available bank. Its intuitive dashboards arm decision
structure. Systar is widely regarded as
information, it was within the bank’s risk makers with the context required for chal- the leading provider of Business Activity
tolerance. The Credit Risk Decisioning for lenging ACH credit risk decisions whether Monitoring (BAM) solutions and offers
ACH application ensures an informed deci- during normal business hours or just before innovative capacity management
sion is made to protect the interests of the the last processing window closes. software for both physical and virtual
server environments. Systar is listed
bank as well as those of its customers by
The application provides an email interface on the NYSE Euronext Paris Stock
examining:
that enables decision makers to receive Exchange (ISIN: FR0000052854-SAR),
and has offices in North America and
• Pending Assets: Shows if the credit risk information on pending credit risk exposure
Europe. More information about Systar
of an ACH file is actually lower due to client decisions and take action remotely. It also
is available at www.systar.com
assets at the bank that were not initially automatically tracks the approval process to
included in the review and would provide produce a rigorous audit trail for operations.
justification for approving additional credit.
While home-grown tools or alternative
The information gathered represents assets
solutions provide partial or after-the-fact
that the client holds across the bank that
information, Systar’s Credit Risk Decision-
might not be readily visible to the decision
ing for ACH injects real-time operational
maker.
insight into customer credit risk informa- United States
8618 Westwood Center Dr.
• Activity Profile: Compares files currently in tion. It empowers the bank to make more
Suite 240
process with expected patterns of behavior for informed decisions that mitigate credit risk Vienna, VA 22182
Tel: +1 703-556-8400
that client on a given day of the week, day of the while preserving customer loyalty and the Fax: +1 703-556-8430
month, and depth into the month. While activity long-term interest of the bank. Email: info@systar.com
outside normal bounds is not a sole basis for
For more information on Systar’s Credit France
denying a credit extension, the opposite may be
Risk Decisioning for ACH application please 171 bureaux de la Colline
true - a file that fits an expected pattern of behav- 92213 Saint-Cloud Cedex
contact your nearest Systar office or visit Tel: +33 (0) 1 49 11 45 00
ior should factor in its favor when considering a
www.systar.com. Fax: +33 (0) 1 49 11 45 45
credit extension. Email: info-fr@systar.com
• History of Decisions: Enables the credit
United Kingdom
decision maker to gain additional context Ground Floor Left
3 Dyer’s Buildings
by easily viewing the credit decision history London EC1N 2JT
for a specific client including date, value, Tel: +44 (0) 2072 692 799
Fax: +44 (0) 2072 429 400
amount over limit, percentage over limit, Email: info-uk@systar.com
and who approved the credit extension.
Spain
Tel: +34 91 701 03 35
Email: info-es@systar.com
Germany
Tel: +49 211 598 8520
Email: info-de@systar.com
Systar, BusinessBridge, OmniVision, BusinessVision, ServiceVision, WideVision and Systar’s logo
www.Systar.com are registered trademarks of Systar. All other brand names, product names and trademarks are the
property of their respective owners. Copyright 2012.
M A N A GE WITH VISION