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.

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.

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

The Role management page is where you can create and manage roles.

To access it, navigate to:

1. Administration > Access management > Roles.

2. The Roles page opens.

To remove a role:

1. Go to Administration > Access management > Roles.

2. On the Roles page, click Delete next to the name of the role that needs to be removed.

1. The Confirmation modal opens.

2. Click Confirm to proceed, or Cancel to discard.

The User management page enables you to create and manage both BackOffice and API users.

To access it, navigate to:

1. Administration > Access management > Users.

2. The User management page opens.

The Organisational units management page is where you can create and manage organisational units.

To access it, navigate to:

1. Administration > Access management > Organisation.

2. The Organisational units page opens.

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 identity providers. For more details, refer to the relevant provider instructions.

To assign or remove user roles:

1. Go to Administration > Access management > Users.

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

There are two types of privileges:

• View privileges. This group of privileges grants view-only access. For example, VIEW_CONTRACT_EVENTS, VIEW_DEPOSIT_OFFER.

• Action privileges. This group of privileges grants permissions to add, edit, delete items. 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.

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.

Modifying a role means granting or revoking privileges. To do that, follow these steps:

1. Go to Administration > Access management > Roles.

2. Click the Code to open the Role management page.

Welcome to the Tuum BackOffice user guide. This resource offers all essential information for operating Tuum's core banking system via its graphical interface, BackOffice.

General features

Review the and pages to understand the main features of Tuum BackOffice and how to use them.

An organisational unit represents a structural part of your company within the Tuum platform. It reflects how your organisation is arranged in real life, for example, by departments, branches, or regions, and allows you to mirror that hierarchy in the system.

Organisational units help structure users, roles, and responsibilities. By assigning employees to specific units, you can clearly define access rights and visibility boundaries in line with your company’s internal setup.

Below, you can learn more about how to perform organisational unit management activities in the Tuum system.

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

See the Files section below:

You can find a list of all users by following these steps:

1. Go to Administration > Access management > Users.

2. The Users page opens.

If you need to find a particular user, click Filter and enter the Technical ID, Username, First name

Modifying an organisational unit means updating its details. To do that, follow these steps:

1. Go to Administration > Access management > Organisation.

2. Click the Unit code to open the details page.

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:

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 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 only to the creation of a private person.

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

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:

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 private person.

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

In Tuum, account functionality is based on two different logical setups:

1. Account product – the core logic used for all new clients.

2. Account parameter rule – the core logic used for earlier Tuum clients who have not yet migrated to the Account product setup.

If you are using the Account product setup, begin with the Account product section. There you will find explanations of the setup’s components and links to detailed configuration instructions.

If you are using the Account parameter rule setup, start with the section instead. For instructions on additional elements related to the account, use the table of contents to find the relevant component and follow the guidance provided there.

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.

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.

Confirm account application

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

• Click Confirm > Yes to confirm the account application.

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

1. Search for the person 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 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 list of parameters applies to both private and legal persons. Mandatory fields are marked with a red asterisk (*).

See the Risks section below:

To remove users in organisational unit, follow these steps:

1. Go to Administration > Access management > Organisation.

2. Click the Unit code to open the details page.

1. Go to Users tab and click Delete next to the name of the role that needs to be removed.

1. The Confirmation modal opens.

2. Click Confirm to proceed, or Cancel to discard.

To create a new organisational unit, follow these steps:

1. Go to Administration > Access management > Organisation.

2. On the Organisational units page, click Add.

1. The New organisational unit page opens.

2. , then click Create.

Before you can use the account product feature, the Tuum team must first enable it. Customers currently using the Account Parameter Rule functionality need to complete all required preparations prior to transitioning to the account product solution.

Users can verify that the setting is enabled after account migration by following these steps:

1. Go to Administration > Settings > System properties.

2. From the content menu, choose account-api.

3. From the list of rules, find the USE_ACCOUNT_PRODUCT code.

4. Check if its value is set to Yes.

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

From this page, you can:

Use the Search account products page to search and filter available account products.

To search for an account product, follow these steps:

1. Go to Accounts > Products > Account products.

2. On the Account products search page, enter the desired search parameters and click Search.

1. Click the Product code to view the account product details.

1. The Account product details page opens.

Use Role management to create roles and assign privileges that control BackOffice actions.

Below, you will find the following information:

To delete a user, follow these steps:

1. Go to Administration > Access management > Users.

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

1. On the User details page, click Delete user.

1. The Confirmation modal opens.

2. Click Delete to confirm, or Cancel to discard.

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.

To create a new role, follow these steps:

1. Go to Administration > Access management > Roles.

2. On the Roles page, click Add.

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

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).

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

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:

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.

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

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:

The following parameters are used when creating an organisational unit. Mandatory fields are marked with a red asterisk (*).

Configuration

This operation opens a new savings account linked to an existing customer currency account. It can only be completed through internal API requests and is not supported in the Tuum BackOffice system.

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:

To add users to an organisational unit, follow these steps:

1. Go to Administration > Access management > Organisation.

2. Click the Unit code to open the details page.

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:

You can add or view comments on the savings account for reference or internal use.

To view or add comments to the savings account, follow these steps:

1. you want to view or comment on.

2. Click the account number to open its details.

To set up a savings account, establish a connection between your savings account and an existing currency account. This involves configuring the savings account’s Account type interest method with parameters that match the Method assignment code, Account holder type, and Currency of the currency account. Once completed, the currency account will function as the servicing account for the savings account.

Configuration steps

To create a new account type interest method, follow these steps:

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:

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

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

1. 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

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

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

Savings can be withdrawn from the savings account either partially or in full, depending on the account’s terms and available balance.

To withdraw savings from the savings account, follow these steps:

1. from which you want to withdraw savings.

2. Click the account number to view its details.

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

User types

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.

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.

Use the block account feature to temporarily restrict access to savings accounts when required for security, legal, or risk management reasons.

To block or unblock the savings account, start with these steps:

1. you want to block or unblock.

2. Click the account number to open its details.

If a savings account is no longer needed by the account holder, or if the client relationship is ending, use the close account feature to permanently close it.

To close the savings account, follow these steps:

1. you want to close.

2. Click the account number to open its details.

This page provides a clear overview of the savings account operations, along with access to additional actions available for managing the account. The following actions are accessible from their respective pages:

A savings account is a type of account designed to help customers save money for specific goals while earning a higher interest rate. To open a savings account, you must have an existing currency account (called the servicing account) and provide an initial deposit. Multiple savings accounts can be linked to the same servicing account, allowing flexible goal management.

For more information, see the following sections:

The BackOffice content page features allow the BackOffice user to customise their viewing preferences within the content area. These features apply to the pages with new design and are related to specific content elements displayed on those pages.

This chapter highlights the tools available to manage and optimise your experience within specific content element groups in the BackOffice.

Page layout

The layout of the content page includes a page summary header, if available, and content sections in the middle, along with a content sidebar that features action buttons and various content section navigators on the right.

Summary header

The summary header represents a collection of the most prominent data items for the business object, in this example, a person, across all content sections. Its purpose is to give users a quick and comprehensive overview of the business object at a glance.

Action buttons

The action buttons, which allow the user to perform critical activities on the business object, in this example, inactivating the person's record or restricting access to it, are located at the top of the content sidebar on the right.

Section navigators

The section navigators on the content sidebar present a comprehensive list of distinct content sections. Each item in this list serves a dual purpose:

1. A checkbox on the left controls whether its corresponding section is visible in the main content area. A checked box makes the section visible, while an unchecked box hides it.

2. When a checkbox is checked, the item also acts as a navigator. Clicking on the item's label will smoothly scroll the user to that visible section in the main content area, which is indicated by an arrow on the right.

Page content section features

The primary component for displaying a list of data entities in a specific section of the page is a basic table. The tools located in the table header enable users to customise and rearrange the view of the table's content, as illustrated below.

Show history toggle

Check the box next to Show history to display past records, if any are available.

Show more details

If an icon with three dots appears in square brackets , it indicates that some table columns cannot be displayed within the visible area of the screen.

Click Show more to reveal the list of hidden columns. You can also to make a hidden column visible.

Download items

You can download items by clicking Download next to the document or file you want to download. The download will begin automatically and save the document or file to your default download folder.

Select items per page

You can adjust how many items are shown per page:

Organise displayed columns

You can customise which columns are shown and in what order.

Click Settings to customise which columns are visible.

• To relocate the column into a different position: Click and hold the reorder handle next to the column name, then drag and drop the column to the desired position. Changes take effect immediately.

• To show or hide a specific column: Check or uncheck the box next to its name. Changes are applied instantly.

Filter data items

Many sections include a Filter icon, which helps narrow down search results when working with large sets of data. For example, in the Actions log section, click Filter to open the search bar.

Start typing your search term, and results will begin to appear as you type. You can enter values such as a user’s first or last name, or the name of a specific parameter you're looking for.

Sort data items

You can sort data items by clicking Sort in any column header.

When you hover over a column header, both up and down arrows appear, indicating that the column is currently unsorted. Clicking the icon will cycle through sorting states: ascending (↑), descending (↓), and back to unsorted.

Edit data item

To edit a data item, click Edit, make the necessary changes or select a different option, then click Save to apply your updates.

Delete data item

To delete a data item, click Delete.

Review the confirmation modal below, then click Confirm to proceed or Cancel to stop the deletion.

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:

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.

Modifying user roles means assigning or removing them. To do that, follow these steps:

1. Go to Administration > Access management > Organisation.

2. Click the Unit code to open the details page.

1. Go to Users tab and click Edit next to the user whose roles you want to update.

1. You can:

   • Assign a role by toggling On next to the role name.

   • Remove a role by toggling Off next to the role name.

There are several ways to fund a savings account, each suited to different needs, from regular automated deposits to single manual transfers. The following provides an overview of the available options for funding a savings account:

• Automated recurring transfers

• Top up the savings account

To find out more about each option, refer to the particular chapter below.

Automated recurring transfers

The primary method for funding a savings account is by setting up a recurring deposit schedule (e.g. monthly on a specific date). This automates the transfer of a fixed amount from the linked currency account to the savings account at the specified frequency.

This operation can only be completed through internal API requests and is not supported in the Tuum BackOffice system.

Top up the savings account

The top-up function allows for flexible transfers from the linked currency account to the savings account. It can be used to make the initial deposit during account creation, as well as any subsequent manual contributions as needed.

To top up the savings account, or add funds, follow these steps:

1. to which you want to top up savings.

2. Click the account number to view its details.

3. The Account details page opens.

1. The Top up savings account modal opens.

2. Enter the top-up amount and click Top up.

You can also transfer funds from another financial institution via a standard bank transfer. Use the savings account number as the recipient and the account holder's name as the beneficiary. Other details may vary depending on the payment context.

Custom booking to savings account

It is also possible to make a manual custom booking into the savings account. However, this method is considered an exception and should only be used when necessary. For detailed instructions, refer to .

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:

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:

Account product marks a shift away from a technical, finance-driven account parameter rule setup toward a more business-centric account configuration model. It replaces complex technical field combinations with a clearer configuration structure and decouples account configuration from finance-oriented account class codes.

The account is now directly linked to a unique product code, making it clear which rules apply to the account throughout its lifecycle. Previously, each account parameter rule was uniquely identified by multiple parameters—person type, account type, jurisdiction country, and class code. These parameters could be filled or empty and could change on the account, adding complexity and making it unclear which rule was actually valid.

Account class codes can now be changed without affecting account configuration. Previously, changing or clearing the class code could unintentionally change the account parameter rule, because they were directly linked, causing the class code to control which attribute values were allowed on the account instead of serving only its intended financial configuration purpose.

The Create account product page lets you set up a new account product in two steps:

1. Create a draft account product, which is fully editable but not yet usable.

2. Confirm the draft account product to make it usable and only partially editable or delete it.

Create a draft account product

To create an account product, follow these steps:

1. Go to Accounts > Products > Account products.

2. On the Account products search page, click Add in the upper-right corner.

1. The Create new product page opens.

2. , then click Submit.

Confirm or delete the draft account product

After submission, you can either:

1. Click Confirm to activate the account product.

2. Click Delete to delete the account product.

Confirm draft account product

If you click Confirm, a confirmation modal opens. Enter a comment if needed, then click Confirm to activate the account product, or Cancel to go back.

Delete draft account product

If you click Delete, a confirmation modal opens. Click Confirm to delete the account product, or Cancel to discard the action.

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

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.

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.

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

On the Savings account details page, you can get an overview of the savings account details and balances.

View savings account details

On the Savings account details page, you can view key information including the Account details and Savings details sections, as well as your account numbers and current balances.

To view Savings account details page, follow these steps:

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

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:

About account application

As savings accounts are always connected to servicing accounts, you may occasionally need to quickly identify this relationship. This section explains how to find related accounts in Tuum, specifically how to locate a savings account from a servicing account, and vice versa.

Find savings account from the servicing account

To find a savings account from the servicing account details page, follow these steps: