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Digital Member Onboarding (KYC/CIP)

Credit union and community bank operations products

Use Moraph's onboarding, loan participation, construction draw, Call Report, board packet and cash logistics products the way they are designed, with the right person making each decision.

Practitioner2 hr 29 min12 lessonsFor Users, AdministratorsCertificate of completion

Lesson plan (printable)

About this course

Credit unions and community banks run many specialist processes alongside their core system: opening accounts online, selling and buying loan participations, funding construction draws, filing the quarterly Call Report, preparing board packets and keeping ATMs and vaults supplied with cash. Moraph offers a product for each of these, and they share a common pattern: records that move through stages, separate roles for preparing and approving, and an audit trail that examiners can follow.

This course takes you through the six products one at a time, with worked examples using fictional institutions such as Example Credit Union. You learn the everyday tasks, the settings administrators look after, and, just as important, where each product stops: none of them moves money, makes credit decisions or replaces the judgment of your BSA officer, signing officer or counsel.

What you’ll be able to do

  • Explain how Digital Member Onboarding verifies, screens and routes applications, and work an exception to a recorded resolution
  • Prepare, screen and allocate a loan participation, and review a remittance batch in the Shared-Risk Loan Syndication Engine
  • Reconcile a construction draw request against inspection evidence, retainage and conditions before approval
  • Take a quarterly filing in the Automated Call Report Filer from data load through validation, review and recorded submission
  • Build, publish and control a board packet, and record votes, recusals and minutes in the Board Governance & Packet Portal
  • Review and approve replenishment plans and work cash discrepancies in the ATM & Cash Logistics Optimizer
  • Tell which decisions each product makes for you and which stay with your officers, counsel and staff

Skills you’ll gain

  • Customer Identification Program exceptions
  • Loan participation administration
  • Construction draw reconciliation
  • Call Report preparation and review
  • Board packet and meeting records
  • Cash replenishment planning

Before you start

  • You can sign in to Moraph and open products in Moraph Apps (see Moraph foundations)
  • You work in, or support, operations, lending, finance, governance or compliance at a credit union or community bank
  • You know your own institution's policies for the areas you work in
  • Recommended first: Moraph foundations: technology for high-stakes work

Syllabus

3 modules · 7 readings · 1 practical exercise · 4 assessments

  1. Module 1Member onboarding and CIP

    1. Reading: How Digital Member Onboarding worksReading · 12 min
    2. Reading: Working onboarding exceptionsReading · 13 min
    3. Assessment: Module 1 knowledge checkAssessment · 8 min

  2. Module 2Lending operations

    1. Reading: Selling and buying loan participationsReading · 14 min
    2. Reading: Managing construction loan drawsReading · 14 min
    3. Practical exercise: Practical: reconcile a construction drawPractical exercise · 15 min
    4. Assessment: Module 2 knowledge checkAssessment · 8 min

  3. Module 3Reporting, governance and cash

    1. Reading: Preparing the Call ReportReading · 13 min
    2. Reading: Board packets, votes and minutesReading · 12 min
    3. Reading: Planning ATM and branch cashReading · 12 min
    4. Assessment: Module 3 knowledge checkAssessment · 8 min
    5. Assessment: Final assessmentAssessment · 20 min

What completion gives you

Complete every lesson and pass each assessment to complete the course. You then get a completion record in My learning, and a certificate of completion you can print or share, with a code anyone can check at academy.moraph.com/verify.

Completion is not certification

Course completion records and certificates of completion show that a person completed a Moraph Academy course. They are not a Moraph certification (which needs the certification exam), a professional license or an accreditation, and they do not authorize anyone to configure, operate, resell or support Moraph products on Moraph’s or anyone else’s behalf.

Course updates

  • Version 1 · · First version.