About Tuum BackOffice

The purpose of the Tuum BackOffice is to equip your organisation's employees with efficient and controlled means to access the features of the Tuum system. Its graphical user interface has undergone a remarkable improvement.

On January 9th, 2024, Tuum introduced a fresh graphical user interface design for the BackOffice by introducing a new frame while maintaining the old content.

We have gradually implemented design changes for some content pages in subsequent releases. We will continue to do so until all pages of the BackOffice have a new design. Therefore, the global BackOffice features apply to all pages and content features only to those whose content has transitioned to the new design.

Use one of the shortcuts below to learn about the Tuum BackOffice's global or content features.

Welcome to the Tuum BackOffice user guide. We created this guide as your go-to resource for answering questions about working with Tuum's core banking solution through the BackOffice user interface.

On this page, you will find information on how to make the most of this user guide.

Choose the display mode

To choose your preferred display mode, scroll down to the bottom of the page and move the toggle switch to your preferred display mode setting.

Find the topic

Use the ask or search bar on the screen's top right corner to find information quickly.

• Enter a question and click Ask to find the answer with the help of AI.

• Or use keywords with traditional search to find topic-related pages and click on the respective link to continue reading in the user guide.

General features

Look at the and pages to learn about the Tuum BackOffice's general features and how to use them.

Domain features

To access the domain's related knowledge, use the shortcuts below to navigate to the relevant user guide.

Privilege - The most granular element defining a single action the employee can perform. For example, a user with the ADD_PERSON privilege can add new person records.

Role - A set of privileges defining activities the user can perform with the respective role.

BackOffice User - A human operator who accesses the Tuum system through the BackOffice interface.

API user - A programmatic operator who accesses the Tuum system through API endpoints.

Below, you can learn more about how to perform the activities to manage the users in the Tuum system.

You can find a list of all users by going to:

1. Administration > User management.

2. From the content menu, choose Users.

If you need to find a particular user, click the filter sign and enter the Technical ID, Username, First name, Last name or Role.

To assign or to remove user roles:

1. Go to Administration > User management.

2. From the content menu, select Users.

3. In the list of the users, click on the Technical ID of the user that needs to be modified.

4. On the User details page:

   • To assign a role, click on the toggle sign next to the role name.

   • To remove a role, click on the toggle sign next to the role name.

5. To save the changes, click the Change roles button.

Roles and privileges define the user permissions to access and complete different actions within the Tuum system.

Below you will find the following information:

To delete user:

1. Go to Administration > User management.

2. From the content menu, choose Users.

3. In the list of the users, click on the Technical ID of the user that needs to be deleted.

4. On the User details page, click the Delete button.

The Roles page is where you can create and manage roles. To access it, navigate to:

1. Administration > User management.

2. From the content menu, choose Roles.

There are two types of privileges:

• View privileges. This group of privileges grants reviewer rights only. For example, VIEW_CONTRACT_EVENTS, VIEW_DEPOSIT_OFFER.

• Action privileges. This group of privileges grants permissions to add, delete, modify objects. For example, MANAGE_USERS, BLOCK_ACCOUNT, ADD_LOAN_OFFER.

In the BackOffice all privileges are grouped per business domain. For example, ACCOUNT, DEBT, DEPOSIT, etc.

You can check the list of the available privileges in BackOffice by going to:

• Administration > User management > Roles > Add.

• All privileges are grouped by product or functionality. To view the list of privileges, click the sign.

To create a new role:

1. Go to Administration > User management.

2. From the content menu choose Roles > click the Add button.

1. Write down the Role name.

2. Scroll the list of the grouped privileges. Click the sign to open available set of privileges.

1. Assign the Privileges by clicking on the sign next to the privilege name.

1. Click the Submit button to create a new role.

To remove role:

1. Go to Administration > User management > Roles.

2. Click on the sign next to the name of the role that needs to be removed.

This list of parameters applies only to the creation of a legal person.

See the Additional info section below as it appears when creating a legal person:

This list of parameters applies only to the creation of a legal person.

See the Legal entity identifier section below as it appears when creating a legal person:

After creating a person, you can search for them on the Search persons page using the quick or advanced search options.

To search for a specific private or legal person, follow these steps:

1. Go to Persons > Search.

2. On the Search persons page, fill in the relevant parameters.

1. You can enable Advanced search to access additional filters, allowing for a more granular search and narrowing down the results.

2. When you click Search, a list of persons is displayed, showing identification numbers, names, e-mail addresses, and other relevant details.

1. Click the person's name to view their details.

This page allows you to view and update key information related to a person.

From this page, you can:

To add or view a person's comments, follow these steps:

1. whose comments you want to view or add.

2. Click the person's name to view their details.

3. From the right-side panel, check the Comments box to see the Comments section.

4. Click Add to add a new comment.

1. Enter your comment and click Save to apply it.

1. This is how the added comments will appear, with the most recent one shown first:

To view a person's action history and processes, follow these steps:

1. whose action logs and processes you want to view.

2. Click the person's name to view their details.

3. From the right-side panel, check the Actions log and Processes boxes to see these sections.

1. The Actions log section displays details including who created the action, when it occurred, status changes, and the action performed (activated or inactivated).

2. The Processes section shows information about who initiated each process, when it started, the process ID, type, status, and reason.

After the account application is confirmed, the subsequent processing will depend on your selection for the account setup type. To find out more, find the relevant explanation for STANDARD or EXTERNAL_VIRTUAL selection options.

About user management

The Tuum BackOffice user management allows your organisation to manage role-based access controls of users who interact with the Tuum system. By defining specific roles equipped with only the necessary permissions, you can ensure that your organisation's employees and applications access only the resources required for their tasks.

The flexible role customisation capabilities of the Tuum BackOffice allow your organisation to adapt to ever-changing business needs while ensuring that workflows remain efficient and secure.

On the other pages you will find detailed information about:

Tuum Customer Implementation Manager creates for your company the first BackOffice user with the ADMIN role. With this user, you can start defining roles with the relevant permission sets, create additional BackOffice and API users, and assign them appropriate roles.

To create roles and additional users, the employee with the ADMIN role user should log into the Tuum BackOffice and go to Administration > User management.

The User management page allows you to create and manage BackOffice and API user records.

To access it, navigate to:

1. Administration > User management.

2. From the content menu, select Users.

Modifying role means assigning or removing privileges. To do that, go to:

1. Administration > User management.

2. From the content menu choose Roles.

3. Click on the Role name that should be modified.

4. On the Role management page, find the necessary privileges group.

5. Click on the sign to select privileges.

6. Do the following in a particular privileges section to change the privilege with the role.

   1. To assign a privilege, click on the toggle sign next to the privilege name.

   2. To remove a privilege, click on the toggle sign next to the privilege name.

7. At the bottom of the Role management page, click the Save button.

In the Tuum system, creating a record for each person is essential for managing client or customer information effectively. This foundational step is necessary to begin leveraging other capabilities of the Tuum system, such as accounts, payments, cards, and loan features.

Person types

There are two types of persons in the system:

• Private person - a physical individual. Private persons typically represent themselves, but they may also represent others if authorised through consents or mandates.

• Legal person - an organisation, such as a business or non-profit entity. Legal persons are always represented by private persons.

The Person module in Tuum BackOffice allows you to create and configure person records, define essential parameters, and manage related data such as risk types, levels, and person groups. It also enables you to search for existing persons and control access through person privileges.

Here you will learn about:

This list of parameters applies only to the creation of a legal person. Mandatory fields are marked with a red asterisk (*).

See the Person details section below as it appears when creating a legal person:

This list of parameters applies only to the creation of a private person. Mandatory fields are marked with a red asterisk (*).

See the Identification numbers section below as it appears when creating a private person:

This list of parameters applies only to the creation of a legal person. Mandatory fields are marked with a red asterisk (*).

See the Registration numbers section below as it appears when creating a legal person:

This list of parameters applies to both private and legal persons. Mandatory fields are marked with a red asterisk (*).

See the Tax numbers section below:

This list of parameters applies only to the creation of a private person.

See the Work section below as it appears when creating a private person:

This list of parameters applies only to the creation of a private person.

See the Home section below as it appears when creating a private person:

This list of parameters applies only to the creation of a legal person. Mandatory fields are marked with a red asterisk (*).

See the Additional contacts section below as it appears when creating a legal person:

This list of parameters applies to both private and legal persons. Mandatory fields are marked with a red asterisk (*).

See the Files section below:

This list of parameters applies only to the creation of a private person. Mandatory fields are marked with a red asterisk (*).

See the Relationships section below as it appears when creating a private person:

This list of parameters applies to both private and legal persons. Mandatory fields are marked with a red asterisk (*).

See the Risks section below:

Custom fields allow Tuum customers to add additional data to private or legal person records. For example, custom fields can include information such as bank details, bank identifiers, location, and address.

To add the custom fields, follow these steps:

1. Go to Administration > Settings > Custom fields.

2. From the content menu, select Person > Person.

3. Click Add field set.

1. The Create field set modal opens. Enter the Field set ID and Field set name.

2. Click Create to create new field set.

1. Find your field set on the Custom fields page to customise it.

2. Click Add field.

1. The Create field modal opens. Enter the required parameters and click Create.

1. The created fields will appear on the Custom fields page.

1. When you return to Persons > Create, you will see the custom field you created.

The purpose of the person details page is to provide a comprehensive management and viewing interface for a specific person's (customer's) profile and associated financial products. It allows you to efficiently review, navigate, and administer a person's complete record within the Tuum system.

Person's summary

The summary card, located prominently at the top centre of the content area, offers a quick overview of the person's essential details and status. It displays key details such as:

• status and type of the person;

• ID number, creation date, language, tenant code, and customer type;

• contact information (phone, e-mail);

• residency country, business area, counterparty sector code, and intra org code.

If a person is classified as a Politically Exposed Person (PEP), it will be indicated on the summary card as a dedicated notice.

Content menu

The left-side content menu features navigation categories for Tuum product items, providing quick access to person-related financial products. The categories include accounts, loans, deposits, cards, and other financial products. You can select a category and its sub-items, if applicable, to swiftly locate specific financial products related to that person.

Content sidebar

The content sidebar, located on the right side of the content area, consists of two elements: action buttons at the top and content navigators below them.

Action buttons

The action buttons allow the user to perform essential activities with the person. The specific list of action buttons depends on the person's status. In this example, the user can inactivate the person's record or restrict access to it.

Section navigators

The section navigators on the sidebar display a complete list of content sections on a person's details page.

Content sections

The purpose of the content section is to group similar data sets into distinct visual categories. To view the data in a particular section, ensure that its visibility is enabled. You can then access it by clicking on the corresponding section navigator in the content sidebar or by simply scrolling the page to that section.

Person details section

The person overview page includes a Details section, which is structured based on the type of person:

• Private person: displays individual-specific sections such as Personal, Contact, and Work & home.

• Legal person: displays entity-specific sections such as Personal, Contact, and Business.

Other sections

To add or view a person's external contracts, follow these steps:

1. Search for the person whose external contracts you want to view or add.

2. Click the person's name to view their details.

3. From the content menu, click External contracts.

1. Click Add external contract to create a new contract.

2. The External contracts modal opens.

3. Complete the required fields and click Create to add the contract.

1. This is how the created external contract will appear:

1. Checking the Show history box will display the validity range.

Before creating a person profile, you can set up lookup codes for parameters such as education, employment type, marital status, and others.

To manage these lookup codes, follow these steps:

1. Go to Administration > Settings > Lookups.

2. In the content menu, you’ll see a list of modules based on your subscription. Under the PERSON module, lookup options are available for address, document, financial data, personal information, and relationships.

1. Select the lookup type from the drop-down menu.

2. Click the add icon to create new lookup codes. The example below shows the PERSON > FINANCIAL DATA page.

1. The Create new lookup modal opens.

2. Enter the lookup code and add the translations.

3. Click Create to save the new lookup.

Person groups are customer segmentation categories such as Platinum or Economy, typically used for marketing and customer profiling.

Create person group

1. Go to Persons > Settings > Person groups.

2. On the Person groups page, click Add .

1. The Create person group page opens, where you can define the Person group code, Person type, and Description.

The accounts guide explains how to create and manage accounts using the Tuum BackOffice interface. Before getting started, please note the meaning of the following terms.

• Account - an entity that records customers' (private and legal persons) or banks' transactions and balances in different currencies.

• Account type - a set of attributes that determines the behaviour of an account. Each account type has a dedicated set of additional features.

• Account service provider - an institution that provides account numbers.

Here you will learn about:

For currency accounts, Tuum can be configured in three ways:

1. Standard (Account type setup code: STANDARD enabled): The Tuum system generates account numbers.

1. External (Account type setup code: EXTERNAL_VIRTUAL enabled): Account numbers are generated by an external account service provider such as LHV Bank (LHV), Banking Circle (BC), or CurrencyCloud (CC).

1. Hybrid (Account type setup code: STANDARD and EXTERNAL_VIRTUAL enabled): Both the Standard and External options are used simultaneously. The decision about which option to use is made at the account opening.

Depending on the configuration, two different account opening processes exist for currency accounts.

1. Opening a currency account without an account application applies to standard configuration.

2. Opening a currency account with an account application applies primarily to external and hybrid configurations but can also be used for the standard configuration if preferred.

Follow the steps below to open a currency account without using an account application.

1. Go to Persons > Search for the person who needs to get an account created.

2. Fill in search parameters > click the Search button.

3. Click on the person’s Identification number to view the Person details.

4. Once on the Person details page, go to the content menu Accounts > Accounts.

5. On the Accounts page > click the Create account button.

1. Fill in the account parameters > click the Create button.

The explanation below applies when you have selected STANDARD as the Account setup type when creating the account application.

Application processing

The account application will go through a manual approval process after the account application confirmation.

• Click Accept if the application meets all the account opening criteria.

• Click Reject if it does not meet the required criteria for account opening.

• Click Mark for review if additional due diligence about the applicant is required to decide whether to accept or reject the application.

After clicking the Accept, Reject, or Mark for review button, the confirmation modal will open. In this modal, you can:

• select the status change reason and

• fill in a comment.

Click Yes to confirm the application status change.

Pending applications

Clicking the Mark for review button sets the account application to PENDING status. In this intermediary status, the decision to accept or reject the application must be made.

Once you have finished the additional due diligence, click the Accept or Reject button to change the application's status.

Accepted applications

Clicking the Accept button sets the account application to the ACCEPTED status and starts fully automated account opening processing.

If successful, the account application gets the status PROCESSED, and the primary account number of the opened account will be visible on the account application details page.

Rejected applications

Clicking the Reject button sets the account application to the REJECTED status, which is the final status and ends the application's processing.

There are two ways to find an account.

1. If you want to perform a global search for any account:

   • Go to Accounts > Search > Accounts.

   • Fill in the search criteria and click Search.

   • Click on the Account number of the account you are interested in to see full details.

1. If you need to search for any account for a dedicated person:

   • Go to Persons > Search.

   • Fill in search parameters > click the Search button.

   • Click the Identification number to access the person view page.

   • From the person content menu, choose Account > Accounts.

   • Click on the Account number of the account you are interested in to see full details.

The BackOffice global features allow the BackOffice user to navigate through the BackOffice and adjust their working preferences. Below are highlights of the tools available for users to manage their experience within the BackOffice.

Main menu

The main menu has been thoughtfully relocated to the left while maintaining its familiar elements and order, inspiring a seamless and smooth user experience.

Side panel

Enhance your productivity with the feature-rich side panel. Easily access your favourite pages, copied content, and page history.

Prompt and efficient assistance

Looking for assistance is now simple and fast. You can effortlessly search or request content from the BackOffice user guide using the side panel ask or search field. You can follow the steps outlined in the summary or explore the BackOffice user guide to learn more about the topic of your interest.

Favourites

Discover the power of the favourites feature and take control of your browsing experience. Save your most visited pages for an increase in efficiency and convenience.

Favourites extra icon

Add more favourites with a single click using the star icon next to the breadcrumbs. And remember, you can also do so in the side panel.

Clipboard

Your copying history is saved in the clipboard. Enjoy the easy access to texts, links, and excerpts. It is your personal memory vault that ensures nothing valuable slips away.

Display modes

Create a personal workspace that suits you with customisable visual modes and zoom settings. Your preferences are saved for future logins so you can seamlessly continue your work without distractions.

Content menu toggle

The content menu toggle gives you the power to keep your content menu open or closed just the way you like it.

Content width toggle

Minimise or maximise the main content space with the content width toggle for a more comfortable browsing experience with just one click.

Profile icon

Clicking on the profile icon reveals a link to your profile settings and a logout button.

Loading spinner

Keep an eye on the loading spinner – a subtle signal that your data is loading in the background. Plus, give it a click anytime to swiftly return to the dashboard.

Bank day icon

The current banking day is always visible here. Look out for a vibrant red icon, signalling an ongoing banking day change process.

About users

The Tuum system has two types of users:

1. BackOffice User is a user for human operators who access the Tuum system through the BackOffice interface. These users are identities for employees of your company who perform their daily tasks and should not have a system role included in their role set.

2. API User is a user for applications communicating with Tuum through API endpoints. These users are identities for other IT systems of your company integrated with Tuum and should have a system role included in their role set.

User creation flow

To enable a new user to perform tasks within the Tuum system, follow these three steps:

1. .

2. to restrict user's permissions to perform authorised tasks.

3. to enable secure access to the Tuum system.

Below you can find more details about each step.

Create users and add roles

To create new user:

1. Go to Administration > User management.

2. From the content menu, choose Users > click the Add button

1. Enter the user details. The username and email entered must be unique within the Tuum system.

2. Select required roles. To assign a role, click on the toggle sign next to the role name.

   1. If you are creating a BackOffice user, please do not assign the System role to the user.

   2. If you are creating an API user, assign the System role to the user.

3. Click Submit to complete the creation of a new user.

Options for credentials

For BackOffice users, there are two options for managing user credentials:

1. Single Sign-On (SSO) - If your company uses SSO through Google or Microsoft Azure, user credentials will be managed via these service providers. For more details, refer to the relevant provider instructions.

2. Tuum managed credentials - Alternatively, you can manage user credentials directly in Tuum by associating passwords with usernames. To learn more, follow the instructions below for .

Create BackOffice user password

After the BackOffice admin has created a new BackOffice user, the Tuum system will send an email. This email will confirm the account creation and include instructions for setting up a password.

The email contains the link to the Tuum system page, where a user can create a password.

Create API user password

The should create a password for the API user by following the instructions in the chapter .

There are two ways to change a user's password:

• The can reset user password,

• The user can reset their password themselves.

Change password - BackOffice admin

To change user password as BackOffice admin, navigate to:

1. Administration > User management.

2. From the content menu, select Users.

3. In the list of the users, click the Technical ID of the employee whose password you need to reset.

4. On the User details page, type in the New password and Confirm password.

5. Click the Change password button to save the changes.

Change password - user

The BackOffice user can reset their password in two ways:

1. using the forgotten password feature when not logged in or

2. accessing their user profile page when logged in.

Change password via forgotten password feature

If the BackOffice user has forgotten their password, they can initiate a password reset via the login page.

1. On the login page, click the Trouble signing in link.

1. On the password reset page, enter your email address.

2. Click the Reset Password button.

An email with password reset instructions will be sent to the employee's registered email address. They should follow the instructions in the email to complete the password reset process.

Change password via user profile page

If the BackOffice user has logged in, they can change their password on the user profile page.

1. Click the user profile icon in the top right corner on any BackOffice page.

1. Click on the Settings icon, which is opened in the same place, to navigate to the user profile page.

1. When the user profile page opens, scroll down to the password section.

1. Enter and confirm the new password.

2. Click the Change password button to complete the password change.

This list of parameters applies only to the creation of a private person. Mandatory fields are marked with a red asterisk (*).

See the Documents section below as it appears when creating a private person:

This list of parameters applies only to the creation of a legal person. Mandatory fields are marked with a red asterisk (*).

See the Relationships section below as it appears when creating a legal person:

To record person-related risks for either a legal or private person, the Tuum system provides two key parameters:

• ;

• .

These parameters are interrelated: the risk type defines the nature or category of the risk (e.g. credit risk), while the risk level indicates its potential impact (e.g. low, medium, or high).

You can define how these parameters are used, including the criteria for assigning them, based on your internal risk policy framework.

Below are theoretical examples to help illustrate how risk type and risk level can be applied.

Create risk type

1. Go to Persons > Settings > Risk types.

2. On the Risk types page, click Add .

1. The Create risk type page opens, where you can define the Risk type code, Person type, and Description.

For example, you can create different risk types such as Credit risk, Operational risk, or Reputation risk, depending on your risk classification needs.

Create risk level

1. Go to Persons > Settings > Risk levels.

2. On the Risk levels page, click Add .

1. The Create risk level page opens, where you can define the Risk level code and Description.

For example, you can create risk levels such as High, Medium, and Low to indicate the impact or severity of the risk. A High risk level means that the person is considered to carry the greatest level of risk.

Assign risk

When assigning a risk to a person, you must select both the Risk type and the Risk level. For example, the outcome could be Risk type: Operational risk with an Impact level: Medium.

The following table presents the available account types in the Tuum system and their corresponding features.

Find account application

There are two ways to find an account application.

1. If you want to perform a global search for any account application:

   • Go to Accounts > Search > Applications.

   • Fill in the search criteria and click Search.

   • Click on the Application identifier of the account application you are interested in to see full details.

1. If you need to search for any account application for a dedicated person:

   • Go to Persons > Search.

   • Fill in search parameters > click the Search button.

   • Click the Identification number to access the person view page.

   • From the person content menu, choose Account > Account applications.

   • Click on the Application identifier of the account application you are interested in to see full details.

Confirm account application

After submitting an account application, the account application details page will open.

• Click Confirm > Yes to confirm the account application.

These account application statuses apply if the Tuum configuration for accounts is .

To create a new internal account, go to:

1. Persons > Search for the person who needs to get an account created.

2. Fill in search parameters > click the Search button.

3. Click on the person’s Identification number to view the Person details.

4. Once on the Person details page, go to the content menu Accounts > Accounts.

5. On the Accounts page > click the Create account button.

1. On the New account page select the Internal account type and fill in the .

To edit a person's data, start with these steps:

1. whose status you want to change.

2. Click the person's name to view their details.

3. The person details page opens.

To edit a person's data, please follow the specific instructions for each section.

• If you wish to edit the Details section, follow the instructions .

• For any other section, please refer to the instructions .

Edit data in Details section

To edit a person's existing data in Details sections, follow these steps:

1. From the right-side panel, check the Details box to see the Details section.

2. Click Edit to change the existing details.

1. Edit the necessary parameters, then click Save to apply the changes.

Edit data in any other section

To update a person's data in any section except Details, follow these steps:

1. Check the section navigator on the content sidebar to make the section data visible for editing.

2. Click the section navigator to navigate to the section where the data you want to change is located.

3. Follow the instructions provided in the .

Financial institutions need to set up various fees such as fees for transactions on customer accounts, recurring fees for account maintenance, or one-time fees for contract changes or extra services. With the Tuum BackOffice, you can define account price lists and corresponding prices for automatic calculation and application of these fees.

Definitions

• Price - A set of conditions to calculate the fee amount.

• Special price - A price specific to an account or a customer. The special price overwrites the price in the account price list.

• Price list - A set of prices. A price list is assigned to a customer group that determines the accounts that can use this price list.

• Generic price list - A list of prices which work as a backup reference determining the fee for a particular transaction in case the price is not present in account price lists. Generic price lists cannot be assigned to an account.

• Fee - The amount of money calculated and charged from an account as account fee transactions (debited immediately) or as account fee bookings (accumulated and debited later) per the respective price.

The following diagram shows how a price is selected for fee calculation:

To add a new price list, access the Fee price lists page:

• Accounts > Pricing > Fee price list.

• Click the New price list button.

Once a new price list is created, it is visible on the Fee price lists page.

You can create 2 types of price lists:

These account application statuses apply if the Tuum configuration for accounts is .

You can define a price as a price item in the price list or as a special price directly applicable to an account or a customer.

You can set up prices for three types of fees:

• - The price for the service's subscription for a certain period. It is regularly recurring per period. For example, account maintenance fee.

• - One-time fees that are based on certain actions. For example, balance inquiry fee or card delivery fee.

• - Related to a particular transaction type. It is charged when that type of transaction takes place. For example, all kinds of payment fees, like the fee for an outgoing SEPA payment (ACC2SEPA_FEE).

The explanation below applies when you have selected the EXTERNAL_VIRTUAL as the Account setup type when creating the account application.

Application processing

After confirming the account application, the Tuum system automatically sends it to the Account service provider for AML review.

• The account service provider will review the application and respond with acceptance or rejection.

• In case the AML review takes longer, the Account service provider sends a response with a pending status.

Pending applications

When the Tuum system receives a response with the pending status, it means the AML review process with the Account service provider is still ongoing.

Next, the Tuum system sets the account application to PENDING status. The application stays in this intermediary status until the Account service provider sends the message about accepting or rejecting it.

Accepted applications

When the Tuum system receives the response with acceptance, it means the application has met all the account opening criteria of the Account service provider. The response then also contains the assigned account number.

Next, the Tuum system sets the account application to the ACCEPTED status and starts fully automated account opening processing with the account number assigned by the Account service provider.

If successful, the account application gets the status PROCESSED, and the primary account number of the opened account will be visible on the account application details page.

Rejected applications

When the Tuum system receives a rejecting response, it means the application has not met the required criteria for opening an account with the Account service provider.

Next, the Tuum system sets the account application to the REJECTED status, which is the final status and ends the application's processing.

Introduction to internal accounts

Internal accounts are the bank's technical accounts in the account module, used to reflect incoming or outgoing funds movements. The funds held in internal accounts are not categorised as customer deposits.

In the account module, internal accounts can operate in two modes:

1. .

2. .

Adjustable balance mode

Regular automated adjustment

By default, the internal accounts balances are set to zero daily, a few minutes before the Tuum day-change process begins.

In financial accounting, the reset transaction moves the funds from the deposit and overdraft portfolio GL accounts to the default or dedicated GL suspense account.

Irregular manual adjustment

In addition to regular automated adjustments, you can manually reset the balances of all internal accounts or just one particular account during the day.

Immutable account balance mode

You can also avoid automatic or manual balance reset by turning off the internal account balance reset option.

In financial accounting, the funds are reflected on deposit and overdraft portfolio GL accounts.

To create a new private or legal person in Tuum BackOffice, follow these steps:

1. Go to Persons > Create.

2. On the Create new person page, a list of configurable parameters is displayed.

1. The Create person page opens with parameter selection for a Private person. To create a legal person, select Legal as the person type. The available parameters will automatically adjust based on your selection.

1. Fill in the required parameters and add optional ones if needed. Once completed, click Submit to finalise the person creation process.

This list of parameters applies only to the creation of a private person. Mandatory fields are marked with a red asterisk (*).

See the Person details section below as it appears when creating a private person:

This list of parameters applies to both private and legal persons. Mandatory fields are marked with a red asterisk (*).

See the Financial data section below:

Person statuses help manage and understand a person's data record throughout its existence in the Tuum system, supporting operational workflows, data governance, and compliance.

This diagram illustrates the possible status transitions for a person in the Tuum system.

To change a person's status, follow the steps outlined below.

Common steps

To activate, inactivate or close a person, follow these steps:

1. Search for the person whose status you want to change.

2. Click the person's name to view their details.

3. The person details page opens.

For the next steps use the action button on the content sidebar, located on the right side of the content area.

Activate person

You must activate the person once it is in pending status after creation or reactivation.

Click Activate on the content sidebar, located on the right side of the content area.

The success notification stating Customer successfully activated is shown, and the person's status changes to green with the label Active.

Change status reason

To update the status reason, click Change status reason to open a modal where you must select a status code reason from a dropdown menu, and provide a comment. Click Submit to confirm the changes, or Cancel to close the modal without saving any changes.

Inactivate person

You must inactivate a person when you intend to close that person's record in the Tuum system.

1. Click Inactivate on the content sidebar, located on the right side of the content area.

1. The Close customer modal opens.

1. Select the reason for inactivation and the inactivation date.

2. Add a comment if needed.

3. Click Submit to apply the changes.

The person's record now shows a note with the inactivation date.

Reactivate person

You must reactivate a person when you intend to restore an inactivated person's record in the Tuum system.

1. Click Reactivate on the content sidebar, located on the right side of the content area.

1. The Reactivate person modal opens.

1. Select the reason for reactivation and the reactivation date.

2. Add a comment if needed.

3. Click Submit to apply the changes.

The success notification stating Person successfully reactivated is shown, and the person's status changes to ! with the label Pending.

Forget person

You must forget a person when you intend to permanently delete an inactivated person's record in the Tuum system.

1. Click Forget on the content sidebar, located on the right side of the content area.

1. The Forget person modal opens.

1. Select the forget Reason and the Forget date.

2. Add a comment if needed.

3. Click Submit to apply the changes.

A success notification appears, confirming that the person's data has been permanently deleted. The person's details page, with no data, is displayed.

If you have the account parameter rule configured, the account creation form will be adjusted according to the rule setup.

Let us consider an example of a parameter rule set for Finnish clients:

If you create a new currency account for a Finnish customer, you will see the following parameters:

In this example the the selection of jurisdiction country and account type parameters define the available values for the following parameters:

• default currency,

• customer group,

• residency countries,

• tax residency countries,

• interest method assignment code.

You can define special prices related to a specific account or a customer.

Follow these steps to define a special price:

1. First, you need to select the account you want to update. Click Accounts > Search > Accounts from the top menu. You can fill in the search criteria and select the account.

2. When you select the account, the account details page opens. Click Fees > Prices from the content menu. The Account fee prices page opens.

1. Select the fee type for which you want to define the special price.

2. On the price creation page, select the Special price level as Account or Customer. If you select Account, the price is applied for the specific account only. If you select Customer, the price is applied to all the accounts the customer has.

3. Next, you can continue to fill in the parameters as per your requirements and click Submit.

The following screenshot shows the special price creation page:

Set account access rights

1. Open the account view page.

2. From the content menu, go to Settings > Access rights.

3. Click the Add access button.

4. Fill in the account access details.

5. Click the Add access button.

View account access rights

Once the access rights are granted, you can view the existing account access settings:

1. Open the account view page.

2. From the left-side menu, choose Access.

Modify account access rights

• Click the pencil sign and choose the required Account right code.

Terminate account access rights

• Click the cross sign > click the Terminate access button.

The purpose of the account class code is to differentiate various account balances in the General Ledger. For example, when respective account class codes are created and associated with unique finance accounts, the safeguarded account balances are kept separately from regular account balances in the General Ledger.

Create account class codes

1. Accounts > Settings > Class codes.

2. From the content menu, choose Account class code values.

3. Click the Add new class code button.

4. Enter the account class code values > Save.

Create account class code rules

1. Accounts > Settings > Class codes.

2. From the content menu, choose Account class code rules.

3. Click the Create rule button.

4. Enter the rule conditions > Save.

Modify account class codes and rules

You can modify account class codes and rules by pressing the pencil sign.

Delete account class codes and rules

You can only delete the account class codes if they are not used by the account class code rules.

View review rules

1. Open the account view page.

2. From the content menu, choose the Settings > Account review rules option.

On the Account rule review settings page, you will see all account review rules available for the account:

Enable/Disable review rules

1. Open the account view page.

2. From the content menu, choose the Settings > Account review rule config option.

3. From the Account review rule settings list, choose the necessary rule.

4. Click the icon to update rule status > click the Save button.

This list of parameters applies only to the creation of a private person.

See the Additional info section below as it appears when creating a private person:

About account application

In the account opening process, the creation of the account application is a preparatory stage before the account opening and consists of two steps.

1. .

2. .

Confirmation of the account application initiates the account opening process. Depending on the , the account will be assigned either an externally provided or internally generated account number.

Create account application

Follow the steps below to open a currency account using the account application.

1. Open the person view page:

   • Go to Persons > Search.

   • Fill in search parameters > click the Search button.

   • Click the Identification number to access the person view page.

2. Create an account application for a person:

   • From the person content menu, choose Account > Account applications.

   • Click the Create application button.
3. Fill in the main .

1. If necessary, you can add account owner limits (optional).

   • Click the Add Limits button to open the section with parameters.

   • Fill in the parameters for the account owner limits.

1. If necessary, you can add representatives and their limits (optional).

   • Click the Add Representatives button to open the section with parameters.

   • Fill in the parameters for the representative and set their limits.

1. Click Submit to complete the creation of the account application.

Edit or cancel account application

After clicking Submit, Tuum creates a draft account application with the status INSERTED. You can or the draft application until you confirm it and start the account opening process.

Edit account application

Click Edit to change the account application details and click Save to preserve the changes.

Cancel account application

Click Cancel to cancel the account application.

• Select the reason for the status change and add a comment, if necessary.

• Click Yes to confirm the cancellation.

You can set up a generic price list which is used as a backup for complex pricing strategies and to cover prices that may not exist in the other price lists. A generic price list is not related to any customer group code.

To create a generic price list, enter the following parameters:

Click Submit to save the price list. The Fee price lists page opens and the new price list is visible on this page. Now, you can for the price list. Click the Price list ID to open the Price list prices page.

Sample of a generic price list

The following screenshot shows the filled parameters of a sample generic price list called TUUM_SAMPLE_GENERIC_PL: