Efficient, Easy To Use Compliant System

dbPlatform, also known as Copilot Platformation, is a compliance oriented Loan and Deposit account origination system. During the process of originating a new account, dbPlatform uses a user friendly interface that allows the user to just point and click to complete a task such as download credit report, generate disclosures or add the account to the core. The user interface allows the user to quickly and easily redo a step needed such as recalculate a loan. It also enforces polices that certain steps must be completed before continuing to the next. It allows the user to easily see which steps have been completed and which steps still need to be done or is in the process of being done. dbPlatform has an intelligent data collection process for gathering the minimal amount of data based on the institution policies and the current phase of the account. It also minimizes required input by interfacing with many third party systems. dbPlatform automatically generates the appropriate documents needed for a new account based on the information collected, so it removes all the guess work for the user.

Secure and Flexible

Some institutions have specialized departments for certain functions of the account origination process. For example, you may have a designated department who is responsible for adding the account to the core processor or for making the credit decision for certain loans. In this case dbPlatform has the ability for you to assign certain security rights to specific users which can restrict which tasks they are allowed to perform. Then through an account tracking feature users can monitor when accounts are ready for them to perform their designated task for that account. Although this is commonly known as centralized lending, it can be used for any number of purposes.

Customization and Administration

dbPlatform comes with a suite of administration programs that enable the institution to be in control of configuring custom settings. You can build your own products, specify product defaults, setup new branches, control all of your institution settings, define account number ranges for auto-generation of account numbers, assign custom logos on forms and many other administrative functions. These features are all wrapped into a single, easy-to-use administration program.

Scaleable

This system supports multiple institution holding companies. No institution is too large or too small for this system. It can be configured to quickly open the everyday common accounts as well as customized to handle to complex tasks that some markets require.

Extras

There are many extras that come with this system. Just to mention a few of them;

Instant Messenger
- When you need to obtain or share information with your coworkers, dbPlatform has a messaging system built in so you can communicate with your coworkers fast and efficiently.
Interactive Desktop
- dbPlatform provides a configurable desktop to allow you to assign documents or web pages to each of your products. You may also setup as many useful links to other existing web sites your bank needs to reference. This provides access to those resources while keeping the new account transaction just a click away.
Official Checks
- You can generate official checks directly from dbPlatform.
Digital Documents
- You can open any document in the system and fill in the data directly on the document on-screen and send to a printer. This is often needed for forms not used during the account opening process, such as a stop pay hold request or additional direct deposit signup form.
Email Documents
- You can also email documents to anyone using one of the several secure methods which can prevent any confidential information from being accessible to non-authorized people.
Archive and Reporting
- dbPlatform can archive the information about each account whether it was approved and opened or denied. You can then use any report writer of your choice to generate reports from this data stored in a SQL database.

Installation and Updates

Your IT department will love dbPlatform when they see how quick and easy the installation of dbPlatform is. It also comes with an automated update system so your updates can now be a hands-off procedure. You just designate a time for your updates to download and apply, then everything else is automatically handled for you. The system will also enforce that all client stations are on the latest release. Using the administration program you can also get an analysis of the client transfer speed to assist you in optimizing your network configuration. We have also included a Release Notes system. From the help menu you can find Release Notes. This explains what technical or compliance changes are included in each update your institution receives.

Interfaces

dbPlatform interfaces to many third party vendors. All vendors we interface with may not be listed below. If you are interested in an interface between dbPlatform and another third party interface then contact us for availability.

Electronic Check Ordering
- Deluxe
- Harland
- Clarke American
Identity Services
- ChexSystems^sm
  - Identity Verification
  - OFAC
  - QualiFile/New Account Chex
  - Address Analysis
  - Identity Authentication
  - Red Flags Checklist
- BankCARS
Credit Bureau
- Equifax
- Experian
- TransUnion
Core Processors
- DBS – dbCore
- Fidelity – BancPac
- Jack Henry – 20/20
- Jack Henry – Silverlake
- Harland – Phoenix
- Other interfaces not listed.
Document Imaging
- DBS - dbDocImage

Deposit Highlights

The deposit system includes DDA, Savings, CDs and IRA accounts. Deposit accounts are divided into three phases, Application Phase, Disclosure Phase and Closing Phase.

Application Phase

The application phase is used to identify the owners, signers and beneficiaries. As the information is being collected you can perform the identity verification lookups and pull a credit bureau report, if your institution requires this step. This phase will also be used to generate the account disclosures, either automatically or under user control based on the product settings. And finally this phase can be used to make an approval decision, if necessary.

Closing Phase

The closing phase is used to gather any final account information and generate all your closing documents including a denial letter if this account was not approved. You can optionally generate starter checks, place an online check order, generate Automatic Transfer and add the account to your core processing system.

Other Deposit Features

All phases may be customized to meet the requirements of your institution and to streamline the process to make you as efficient as possible.

Compliant account titles are automatically formatted based on the ownership type determined by the selected class code.
Supports unlimited number of owners, signers, and beneficiaries.
Addendums are automatically generated and is transparent to the user.
Starter Checks can be printed as part of the account documents.
You can place online check orders to all the major vendors with just the click of a button.
Full control over printing can be configured one time, so the users don’t have to remember how many copies of each form are required, or if a form is duplexed or not and what printer they should go to if the institution has special printing requirements.