Expert Temenos T24 support.
Proven. Reliable. Responsive.
Get alerted of anomolies in T24 financial transactions and User-behaviour.
RJB's Financial Integrity & Compliance (FIC) applications for T24
T24 Transaction & User oversight - microfinance affordability, with banking power.
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STM - Suspicious Transaction Monitor
Catch risks before they escalate - get alerted about transaction and user anomalies.
STM has a proven record - of detecting high-volume money laundering.
Alerts your team - via emails from it’s integrated opensource Redmine helpdesk system.
Lightweight, robust & reliable - Quick to install and configure. Centralised updates, for enhancements and patches.
Integrates with UAL - so that it can also send alerts for T24 User behaviour.
Safeguards your operational sovereignty - STM is deployed on your local infrastructure, giving your IT team full visibility, and a perpetual licence giving operational security - backed by our expert support.
STM is available in two service modes:
Managed - take a load off your Risk team, RJB proactively assists with ongoing configuration, monitoring, analyses & tuning. We recommend a regular team call to discuss findings, recommendations and further needs.
Self-managed - with RJB on hand to help as needed.
STM clients are using it to monitor the following types of behaviour:
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Changes in values of registered mobile numbers (using UAL data)
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Super-users carrying out financial activity (using UAL data)
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Daily sum of credit amounts more than a defined regulatory amount (i.e. handling smurfing)
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High volumes of transactions on specific account types (both debits and credits) greater than a defined number, over various periods of time.
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Individual teller transaction amounts more than a defined regulatory amount
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Dormant accounts that see a net-debit sum of transactions in a single day
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Fixed deposit maturities
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Unintended multiple loan disbursements
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Rare transactions between certain types of customer account
STM is rules-based - an example is coming here soon!
STM has significantly strengthened our financial crime risk management, enabling us to detect money laundering and report it to the authorities. UAL further supports user audit activities, improving transparency, internal control and regulatory compliance. We are very satisfied.
– Jastini Majaliwa, Risk & Compliance Officer, VisionFund Tanzania
STM is really adding value to Risk management because the branch staff are checked on any change [to key client data fields].
- Senior Risk Officer, VisionFund Malawi
UAL - User Activity Logger
Capture everything Users do & touch, over any time frame - Supporting governance & accountability.
Capture the following:
User Sign-on events
Report request events
Record events - for example when users open a record to See it, commit it to one of the "NAU" statuses, Reverse, Copy, Delete or Authorise it.
Clearly see records being self- or separately authorised.
Capture multiple stages within a single User action - for example, if a User commits a record to "INAU" status, UAL can can capture the initial See when the user opens the record; Then the 'commit request'; and finally a 'Successful commit to INAU' - three events for one action.
Historical record event capture - UAL includes a tool to capture Input and Authorisation events from tables of your choice, that happened before UAL was installed.
UAL integrates with STM - allowing alerts to be generated for certain types of User behaviours.
UAL is also a powerful workflow analysis tool - such as tracking all the events that one loan record experienced over time, for example - which users, using which screens, etc.
Powerful reporting from inside T24 - UAL's single enquiry shows you the following for each event captured:
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The T24 User ID involved, the System Date, as well as the real local Date & Time at the time of the event, as per the T24 server.
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Which T24 Application and Version or Enquiry name was involved
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The type of event it was - "Logon Success", "Report Requested", "Successful commit to INAU", "Historical Authorisation", etc
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Before-and-after field values, if they were edited -
[T24 field name] = [Before-edit value] / [After-edit value]
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Events done by Super Users