Doc 12.06.

2023 Time Deposit - Technical Documentation

BB Frankfurt Time Deposit - Raisin

Version
Control
Date
Author
Version
1.0 02/06/2023 Viviane Mancuso
1.1

20/07/2023 Viviane Mancuso

Summary
1Purpose.........................................................................................................................................................2
2Scope............................................................................................................................................................2
3Structure.......................................................................................................................................................2
3.1Functional Requirements - Mandatory.................................................................................................2
4Files..............................................................................................................................................................2
4.1Customer Report (Customer Level)..................................................................................................... 3
4.2Deposit Report (Deposit Level) ...........................................................................................................3
4.3Position Report (Tranche Level)..........................................................................................................3
4.4Transaction Pending (Deposit Level)...................................................................................................4
4.5Cashflow Pending Report (Tranche Level) .........................................................................................4
4.6Transaction Report (Individual Deposit Level)....................................................................................4
4.7Cashflow Report (Tranche Level)........................................................................................................4
4.8Files to be Imported..............................................................................................................................5

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5Structure to get the Raisin files....................................................................................................................5

6Business Flow to Process the Files..............................................................................................................5
6.1Customer Registration..........................................................................................................................6
6.2Deposit..................................................................................................................................................6
7Flexcube Integration....................................................................................................................................6
7.1Business Rules by BBF........................................................................................................................6
7.2Webservices - Homolog........................................................................................................................8
7.2.1TimeDepositCreateRequestExample.xml.....................................................................................8
7.2.2TimeDepositQueryRequestExample.xml....................................................................................10
7.2.3TimeDepositVAMIRequestExample.xml....................................................................................10
8Servicenow ................................................................................................................................................11
8.1Structure..............................................................................................................................................11
8.2Roles in the System Access................................................................................................................11
8.2.1BB FFT Time Deposits – Read Only..........................................................................................12
8.2.2BB FFT Time Deposits – Treasury.............................................................................................12
9Regulatory Reports....................................................................................................................................13
10Foreign Customer Registration (API)......................................................................................................13

1 Purpose
The purpose of the document is to describe the automation process to implement the time deposit for BB
Frankfurt.

2 Scope
Describe how the application will be implemented to create the Time Deposit between Raisin
and BB Frankfurt.

3 Structure
3.1 Functional Requirements - Mandatory
1 FUNCTIONAL REQUIREMENTS - MANDATORIES

1.1 Configure a sFTP drive where Raisin will send files to be processed.

1.2 Create an app on ServiceNow to read the files and save the information in an internal database.

1.3 Use an API to create/search MCE for the new customers

1.4 Use an API to communicate with Flexcube and create/cancel a Time Deposit.

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4 Files

4.1 Customer Report (Customer Level)

For ongoing monitoring purposes and regulatory reporting:
- Information on all depositors holding deposits with the Deposit taking Bank as ultimate
beneficial owners (UBOs)
- Relevant information: customer-id, last-name, first-name, birth-name, gender-cd, marital-status,
address-street, address-postal-cd, address-town, profession, birth-dt, place-of-birth, country-of-
birth, nationality, tax-id, tax-country, id-type, id-issue-dt, id-issuing-authority, id-expiry-date, id-
number
- New Customer will arrive on the Settlement Day
- Everyday this file brings a full view (all customers) up to date, so it could bring a new address
for a client, or nothing is changed.

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4.2 Deposit Report (Deposit Level)

Show granular deposit information for accounting and input for DGS and/or other regulatory reporting:
- Information on all deposits' current balance, start date, end date, interest rate and accrued interest
- Relevant information: customer-id, term-deposit-id, placement-amount, placement-interest-rate,
placement-start-dt, placement-maturity-dt, payout-amount, payout-interests, source-tax, payout-
date, accrued-interest, kyc-question
- Prolonged Deposits (Bank is not implement prolonged in the first version):
o There is no payback.
o it will appear another deposit ID on the file, and the old one will have a mark as
prolonged and a reference with the new deal ID.
o For this case, the branch needs to decide with Rasin how to deal with interest. The new
interest will be the one valid on the settlement day, so there is a need to update this time
deposit on Flexcube.

4.3 Position Report (Tranche Level)

Transparency on all tranches' openings and current balances:
- Information on the tranche balance, start date, end date, interest rate, and accrued interest
- All customer deposits opened at the same date, with same maturity and product form a tranche.
- Relevant information: aggregate-position-id, product-offer-id, product-term, total-placement-
amount, total-accrued-interest, placement-interest-rate, placement-start-dt, placement-maturity-
dt
- aggregate level
- less important file
- The aggregate amount should match with the entrances on the deposit file, aggregated by
product and start date.

4.4 Transaction Pending (Deposit Level)

Breakdown of pending payments to be executed by the bank on a transaction level - 6.30 am:
- transaction at deposit level for pay out from the Deposit-taking Bank
- only for informational use as pay-outs are done on an aggregated level
- Relevant information: term-deposit-id, transaction-id, transaction-date, transaction-date,
transaction-amount, target-account-IBAN, source-account-IBAN, transaction-reference,
transaction-type, aggregate-transaction-id
- Pay-out- reflex the details of the tranche amount to be paid (deposit level)
- needs to be read every day. In case there is no pay-out will be a blank file.

4.5 Cashflow Pending Report (Tranche Level)

Instruction of payments to be executed by the Deposit taking Bank - 6:30 am:
- Most important report
- Pay-Outs
- List all transactions on tranche level which the partner bank needs to pay back
- Input on Pay-Out's back to Raisin Bank
- Relevant information: Aggregate-Transaction-ID, Transaction-Date, Transaction-Amount,
Target-Account-IBAN, Source-Account-IBAN
- Needs to be read every day. In case there is no pay-out will be a blank file.

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**** Did BBAG automate this file???

4.6 Transaction Report (Individual Deposit Level)

Reconcile daily amount Inflows and Outflows
- No action required, audit trail only - show the payments between Raisin Bank and Banco do
Brasil:
- Individual inflows and outflows to and from the Deposit-taking bank on a deposit level
- Relevant information: term-deposit-id, transaction-id, transaction-date, valuta-date, transaction-
amount, target-account-IBAN, source-account-IBAN, transaction-reference, transaction-type,
aggregate-transaction-id

4.7 Cashflow Report (Tranche Level)

Reconcile daily amount Inflows and Outflows
- show the payments between Raisin Bank and Banco do Brasil - aggregate deposit level inflows
and outflows
- Includes all inflows and outflows to and from the Deposit-taking bank on tranche level
- Relevant information: Aggregate-Transaction-ID, Transaction-Date, Valuta-Date, Transaction-
Amount, Target-Account-IBAN, Source-Account-IBAN

4.8 Files to be Imported.

- Customer
- Deposit - bring the new deposit and update status from the old deposits that are active.
- Cashflow Pending (Pay-out) – Payment instructions. Show in a dashboard.
- Cashflow (Internal Account reconciliation. Pay-in and Pay-out amounts aggregated)
o PYI [Pay-in from Raisin Bank to fund the collective account at Partner bank]
o PYO [Pay-out from deposit account at Partner bank back to Raisin Bank

5 Structure to get the Raisin files

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6 Business Flow to Process the Files

6.1 Customer Registration

6.2 Deposit

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7 Flexcube Integration

7.1 Business Rules by BBF

Business rules suggested from the front office perspective.
Raisin will send Banco do Brasil the files and this files data must be inputted in the our
internal systems.
This means setting up clients in SISSBB and Flexcube.
Then the deals need to be upload in Flexcube (FC):
In FC BB Frankfurt agreed to use the Code CDXX.
Others inputs in FC are:
- MCI of customer.
- Placement amount.
- Transaction account currency cd (EUR).
- Placement interest rate (%).
- Placement start dt.
- Placement maturity dt.
- ACT/ACT.

The fields highlighted below are the most relevant one, when inserting deals in
Flexcube.

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And here the SSI for BB Frankfurt booking on Code CDXX:

BIC: BRASDEFFXXX
IBAN: DE56 5122 0800 0000 1508 88

This is BB Frankfurt Treasury internal account.

Each CDXX deal should be settled via this account, independent from the different MCI
numbers. So, trade settlement is done via this account.

BB Frankfurt keep the settlement of the deals separate to the actual external
payment to and from raisin bank AG.
On settlement date BB Frankfurt will make a manual payment for capital and interest to raisin bank. The
separation of payments is essential.
That means interest needs to be paid onto one account of raisin bank AG and the capital
onto another raisin bank AG account.
Therefore, BB Frankfurt will need to receive a reconciliation report to align the amounts
from the trades in FC with the due amounts of raisins.
That’s also important for the reconciliation of the brokerage of each individual deposit,
which they must pay to raisin.
At Maturity:
BB Frankfurt will not do roll over mechanism, and no possibility of early repayment,
so each deposit will mature, and the tranche capital and interest are paid back to raisin.
Therefore, active deals are marked as OPC and maturing ones as PYO (pay out).

Pay-out amount: is the total amount to be paid out, BUT you need to separate capital
and interest.
Pay-out interest: the interest to be paid out.

7.2 Webservices - Homolog

https://sisredex-mdb.hm.bb.com.br/FCUBSLDServiceFCDB/FCUBSLDService?WSDL

7.2.1 TimeDepositCreateRequestExample.xml
7.2.1.1 Test Example:

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/"
xmlns:typ="http://types.ws.gw.fcubs.iflex.com">

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<soapenv:Header/>
<soapenv:Body>
<typ:CreateLDContract>
<![CDATA[

<FCUBS_REQ_ENV xmlns="http://fcubs.iflex.com/service/FCUBSLDService/CreateLDContract">
<FCUBS_HEADER>
<SOURCE>DEPSOL</SOURCE>
<UBSCOMP>FCUBS</UBSCOMP>
<MSGID>0001ab2</MSGID> - referencia da Raisin
<CORRELID>0001ab2</CORRELID> - referencia da Raisin
<USERID>RPABBAG</USERID>
<BRANCH>FFT</BRANCH>
<SERVICE>FCUBSLDService</SERVICE>
<OPERATION>CreateLDContract</OPERATION>
<DESTINATION>DEPSOL</DESTINATION>
<FUNCTIONID>LDDCONON</FUNCTIONID>
<ADDL>
<PARAM>
<NAME>SERVERSTAT</NAME>
<VALUE>HOST</VALUE>
</PARAM>
</ADDL>
</FCUBS_HEADER>
<FCUBS_BODY>
<Contract-Master>
<AMT>15000</AMT>
<BOOKDT>2023-01-23</BOOKDT> - Data do dia
<CCY>EUR</CCY> -- pegar tabela raisin
<CPTY>485469982</CPTY> - MCI do Customer
<DFLT_ACC>0000150888</DFLT_ACC> - Conta de BBF – Create a table for instructions
<DFLT_ACC_BRN>FFT</DFLT_ACC_BRN> - Create a table for instructions – this field is fix for
Frankfurt
<DRSETLACBR>FFT</DRSETLACBR> - Create a table for instructions – this field is fix for Frankfurt
<DRSETLAC>0000150888</DRSETLAC> - Conta de BBF – Create a table for instructions
<MATDT>2023-02-27</MATDT> - get from Raisin file
<PRD>CDXX</PRD> - Create a table for instructions – this field is fix for Frankfurt
<ROLLALLW>N</ROLLALLW> - Add on the instructions table
<VALDT>2023-01-27</VALDT> - get from Raisin table (start dt)
<XREF>0001ab2</XREF> - referencia da Raisin
<Interest-Main>
<INTCOMP>CDINT</INTCOMP> - add on the reference table
<RTTYPE>X</RTTYPE> - add on the reference table
<INTRATE>1.5</INTRATE> - get from Raisin file
</Interest-Main>
<Taxdetails-Main>
<SCHEME>TAXIND</SCHEME>
<WAIVER>Y</WAIVER>
</Taxdetails-Main>
<Taxdetails>
<TAXRULE>TAXTD</TAXRULE>

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<WAIVER>Y</WAIVER>
</Taxdetails>
<Taxdetails>
<TAXRULE>TAXTD1</TAXRULE>
<WAIVER>Y</WAIVER>
</Taxdetails>
<Taxdetails>
<TAXRULE>FFTINC</TAXRULE>
<WAIVER>Y</WAIVER>
</Taxdetails>
<Taxdetails>
<TAXRULE>FFTSOL</TAXRULE>
<WAIVER>Y</WAIVER>
</Taxdetails>

</Contract-Master>
</FCUBS_BODY>
</FCUBS_REQ_ENV>
]]>
</typ:CreateLDContract>
</soapenv:Body>
</soapenv:Envelope>

7.2.2 TimeDepositQueryRequestExample.xml
FCUBS_REQ_ENV xmlns="http://fcubs.iflex.com/service/FCUBSLDService/QueryLDContract">
<FCUBS_HEADER>
<SOURCE>DEPSOL</SOURCE>
<UBSCOMP>FCUBS</UBSCOMP>
<MSGID>MD20231626373148</MSGID>
<CORRELID>MD20231626373148</CORRELID>
<USERID>RPABBAG</USERID>
<BRANCH>VIE</BRANCH>
<MODULEID>LD</MODULEID>
<SERVICE>FCUBSLDService</SERVICE>
<OPERATION>QueryLDContract</OPERATION>
<DESTINATION>DEPSOL</DESTINATION>
<FUNCTIONID>LDDCONON</FUNCTIONID>
<ADDL>
<PARAM>
<NAME>SERVERSTAT</NAME>
<VALUE>HOST</VALUE>
</PARAM>
</ADDL>
</FCUBS_HEADER>
<FCUBS_BODY>
<Contract-Master>
<FCCREF>VIECDAL231220007</FCCREF>
</Contract-Master>
</FCUBS_BODY>
</FCUBS_REQ_ENV>

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7.2.3 TimeDepositVAMIRequestExample.xml
<FCUBS_REQ_ENV xmlns="http://fcubs.iflex.com/service/FCUBSLDService/LDVamiContract">
<FCUBS_HEADER>
<SOURCE>DEPSOL</SOURCE>
<UBSCOMP>FCUBS</UBSCOMP>
<MSGID>MD20231626285461</MSGID>
<CORRELID>MD20231626285461</CORRELID>
<USERID>RPABBAG</USERID>
<BRANCH>VIE</BRANCH>
<MODULEID>LD</MODULEID>
<SERVICE>FCUBSLDService</SERVICE>
<OPERATION>LDVamiContract</OPERATION>
<DESTINATION>DEPSOL</DESTINATION>
<FUNCTIONID>LDDCONON</FUNCTIONID>
<ACTION>UNLOCK</ACTION>
<ADDL>
<PARAM>
<NAME>SERVERSTAT</NAME>
<VALUE>HOST</VALUE>
</PARAM>
</ADDL>
</FCUBS_HEADER>
<FCUBS_BODY>
<Contract-Master>
<FCCREF>VIECDAL231320013</FCCREF>
<AMTDT>2023-06-12</AMTDT>
<VALDT>2023-06-01</VALDT>
<MATDT>2023-06-15</MATDT>
</Contract-Master>
</FCUBS_BODY>
</FCUBS_REQ_ENV>

8 Servicenow

8.1 Structure
For the automation of the process, the following structure was built in ServiceNow:

Type Title Description

App Time Deposit Europa This is the application which
contains all the implementation
and integration with the other
systems.
Data Model
Table

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Table

Access Control

8.2 Roles in the System Access

There are two roles created in System Access (SISBB) to be associate with users profile to operate the
Time Deposit System in Servicenow.

8.2.1 BB FFT Time Deposits – Read Only

8.2.2 BB FFT Time Deposits – Treasury

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The access to the Treasury transaction, as it is more sensitive, it has been configured with a double
signature approval. One administrator grants, another confirms.

9 Regulatory Reports

10 Foreign Customer Registration (API)

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