Management Information System 2 (Administrative Support, Programming)

Management Information System 2

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Job Summary:

Job Type:	Project
Budget:	$ 250-500
Required Skills:	Administrative Support, Programming
Attached Files:	(None)

Status:	Work Under Development

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3 posted 1 paid

Location:

Merida, Yucatan, Mexico

Member Since:

May 21, 2011

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Description

MANAGEMENT INFORMATION SYSTEM FOR FINANCIAL INSTITUTIONS (FI).

GENERAL PURPOSE
TO CREATE A MANAGEMENT INFORMATION SYSTEM CAPABLE OF MANAGING EVERY SINGLE DATA ABOUT THE CLIENTS OF THE FI AS WELL AS THE LOANS GIVEN TO THE CLIENTS.

PHASE 1 USERS, CLIENTS, AND DOCUMENTS)

OBJETCIVE

TO CREATE AN ON LINE ENVIRONMENT WHERE DIFFERENT USERS CAN ACCESS TO CREATE, MANAGE OR CONSULT INFORMATION ABOUT THE CLIENTS AND CREATE AND SAVE THE DIFFERENT DOCUMENTS RELATED TO A LOAN.

NOTE, I AM THINKING THE SYSTEM AS A PLATAFORM WHERE EMPLOYEES FROM THE FINANCIAL INSTITUTION AND OTHER USERS CAN INTERACT THROUGH THE SYSTEM, NO MATTER WHERE THEY ARE. FOR EXAMPLE, A CLIENT MUST BE ABLE TO SUBMIT A LOAN APPLICATION THAT CAN BE RECEIVED IN THE SYSTEM, ORTHE CLIENT CAN CONSULT THE STATUS OF THE LOAN.

GENERAL CHARACTERISTICS:
� SYSTEM MUST BE IN A SERVER ON LINE SO IT CAN BE ACCESSED FROM THE WEBPAGE OF THE FINANCIAL INSTITUTION FROM EVERY COMPUTER WITH AN INTERNET CONNECTION. THE ACCESS WILL BE IN THE WEBPAGE OF THE FINANCIAL INSTITUTION.
� SYSTEM MUST BE MULTIUSER, THIS IS THAT THE SYSTEM ADMINISTRATOR SHOULD BE ABLE TO CREATE NEW USERS AND ASIGN THE PRIVILEGES TO CONSULT OR MANAGE THE INFORMATION OF EACH MODULE OF THE SYSTEM.
� SYSTEM MUST BE DIVIDED IN MODULES ACCORDING TO THE INFORMATION AND/OR ACTIVITIES, AND MUST HAVE A MAIN WELCOME WINDOW FOR THE USER WHERE THE RELEVANT INFORMATION CAN BE SEEN SINCE THE USER LOGGED IN.
� SYSTEM MUST BE VERY GRAPHIC, INTUTIVE AND VERY SIMPLE TO USE.
� SYSTEM MUST BE PREPARED TO HAVE A VERSION FOR MOBILE DEVICES (PHONES, IPHONES AND IPADS FOR A NEXT PHASE IN THE NEAR FUTURE)
� SYSTEM SHOULD BE ABLE TO CREATE SOME KIND OF WINDOW WHERE A CLIENT OR POTENTIAL CLIENT CAN ACCESS SPECIFIC WINDOWS TO REGISTER INFORMATON, AND THEN THIS INFORMATION WILL BE REGISTERED IN THE SYSTEM. FOR EXAMPLE, A CLIENT THAT WANTS A LOAN, HE CAN ACCESS TO AN ONLINE LOAN APPLICATION, THAT ONCE IT HAS BEEN FILLED BY THE CLIENT, THE SYSTEM REGISTERED IT AS A LOAN APPLICATION.
� SYSTEM MUST BE DEVELOPED IN AN OPEN LANGUAGE AND USE ACCESIBLE DATABASES. (PHP � MYSQL). IT IS EXPECTED THAT AL THE DEVELOPMENT IS WELL DOCUMENTED AND INCLUDES A MANUAL IN CASE OF FUTURE CHANGES).
� SYSTEM SHOULD RUN IN INTERNET EXPLORER, SAFARI, FIREFOX AND CHROME.
� SYSTEM MUST BE IN SPANSIH. WE CAN PROVIDE TO YOU ALL THE INFORMATION FOR THE SCREENS IN SPANISH, AS WELL AS THE REPORTS.

DESCRIPTION:

1.- USERS MODULE:
SYSTEM SHOULD BE ABLE TO CREATE AND REGISTER THE INFORMATION OF NEW USERS. EACH USER MUST HAVE A USERNAME AND A PASSWORD. THE PASSWORD CAN BE CHANGED BY THE USER. THE ADMINISTRATOR CAN ENABLE OR DISABLE THE OTHER USERS. THERE CAN BE MORE THAN ONE ADMINISTRATOR. ALSO, IN THE USERS MODE, THE ADMINISTRATOR CAN DEFINE THE PRIVILEGES FOR EACH USER (THREE DIFFERENT PRIVLEGE OPTIONS: 1) ACCES OR NOT ACCESS TO MODULES, 2) ACCESS ONLY TO CONSULT INFORMATION AND 3) ACCESS TO CONSULT AND MANAGE INFORMATION OF A MODULE. ONCE A NEW USER HAS BEEN CREATED, THERE MUST BE A PROCESS TO SEND THE INFRMATION ON HOW TO ACCESS THE SYSTEM. THE FIRST TIME, A NEW USER ENTERS THE SYSTEM, AN OPTION MUST BE DISPLAYED SO HE CAN CHANGE THE PASSWORD ASSIGNED BY THE ADMINISTRATOR. EACH USER MUST HAVE A ROLE IN THE SYSTEM, SO WE NEED T HAVE A CATALOG WHERE AN ADMINISTRATOR CAN DEFINE THE NAME OF TEH DIFFERENT PARTICIPANTS (FOR EXAMPLE, ADMINISTRATOR, LOAN OFFICER, ACCOUNTABILITY, ETC.) THIS CATALOG CAN BE MODIFIED BY THE SYSTEM ADMINISTRATOR.

EVERY USER MUST HAVE ASSIGNATED AN ID FROM THE SYSTEM

FOR MEXICAN LAW, IT IS IMPORTANT TO HAVE IDENTIFIED EVERY PERSON THTA WORKS OR RECEIVED A LOAN FROM A FINANCIAL INSTITUTION. TO ADRESS THIS ISSUE IT IS IMPORTANTE THAT EVERY USER REGISTER IN THE SYSTEM MUST HVA A FILE THAT CAN BE CONVERTED TO A REPORT WHERE ALL HIS INFORMATION IS REGISTERED:

EXAMPLE OF INFORMATION:
A) COMPLETE NAME
B) LAST NAME
C) LAST NAME (IN MEXCIO WE USE TWO LAST NAMES)
D) STREET
E) EXTERNAL NUMBER
F) INTERNAL NUMBER (IF APPLICABLE)
G) NEIGHBORHOOD
H) ZIP CODE
I) CITY
J) STATE
K) COUNTRY
L) LOCAL PHONE
M) CELULAR PHONE
N) RFC
O) GENDER
P) CITY OF BIRTH
Q) BIRTH DATE
R) CURP
S) PICTURE
T) MONTHLY INCOME
U) COMMERCIAL ACTIVITY

ALSO IT IS IMPORTANT TO HAVE A COPY OF AN OFFICIAL ID AND A COPY OF HIS PROOF OF RESIDENCE. THIS TWO FILES CAN BE SAVED IN THE SYSTEM AS IMAGES, BUT IT IS IMPORTANT THAT THE SYSTEM IS ABLE TO CONSULT IT FROM THE USERS FILE WINDOW.

2.- COMPANY MODULE:
THE OBJECTIVE OF THIS MODULE IS TO REGISTER THE INFORMATION OF THE FINANCIAL INSTITUTION, SO IT CAN BE DISPLAY THROUGH THE SCREENS OF THE SYSTEMS WHERE IT IS NEEDED, AS WELL AS IN THE REPORTS WHERE THE INFORMATION IS NEEDED. THE MAIN INFORMATION IS:
THE LEGAL NAME,
RFC (A CODE THAT MEXICAN COMPANIES HAVE FOR TAX PURPOSES),
THE COMPLETE ADDRESS,
THE PHONE,
THE E-MAIL, AND
THE IMAGE OF THE LOGO.
THE PURPOSE OF THE IMAGE OF THE LOGO IS TO PERSONALIZE THE SYSTEM, AND THE LOGO CAN BE DISPLAYED IN EVERY SCREEN OF THE SYSTEM AS WELL AS IN THE REPORTS.

3.- CLIENTS:
THE MAIN ELEMENT OF THE SYSTEM IS THE CLIENT. THE CLIENTS ARE DEFINED AS PEOPLE THAT REGISTER WITH THE FINANCIAL INSTITUTION IN ORDER TO RECEIVE A LOAN. HOWEVER THE FIRST STEP OF THE FLOW IS TO BECOME A PASSIVE CLIENT, THAT IS A PERSON WHO IS REGISTERED IN THE FINANCIAL INSTITUTION BUT DO NOT HAVE AN ACTIVE LOAN. SO AT THIS MOMENT A CLIENT IN THE SYSTEM SHOULD HAVE ANS STATUS DEFINED AS CLIENT WITH NO ACTIVE LOANS = PASIVE CLIENTS. THE STATUS SHUOLD CHANGE AT TEH MOMENT HE RECEIVES A CREDIT = ACTIVE CLIENT.

TYPE OF CLIENTS: THE SYSTEM MUST BE ABLE TO REGSITER TWO DIFFERENT KIND OF CLIENTES: �PERSONAS FISICAS� AND �PERSONAS MORALES�. �PERSONAS FISICAS� MEANS A PERSON, AND �PERSONAS MORALES� REFERS TO A COMPANY (LEGAL ENTITY), SO TEH FIRST STEP IN THE REGISTRATCION PROCESS SHUOLD BE TO DECIDE IF IS A �PERSONA F�SICA� OR �PEROSNA MORAL�.

IF IS A PEROSNA FISICA WE NEED TO REGSITER THE FOLLOWING INFORMATION:

2.1.1 Personas F�sicas
a) Complete name,
b) Last name,
c) Second last name
d) Address:
a. Street,
b. External number
c. Internal number (if available)
d. neighborhood
e. Zip code,
f. Province
g. State
h. Country
i. Birth Date
j. Nationality
k. State of Birth
l. Occupation or profession
m. Local Telephone
n. Cell phone
o. E-mail (if available)
p. CURP
q. RFC
r. Picture (an image)
s. Monthly Income
t. Economic activity

For registration purposes, the information can be divided in a flow of windows:

Also, each client must present the following documents (the system should be able to keep an image of the documents for consulting purposes.

a) Official ID
b) CURP
c) Proof of residence

Finally we need to ask some questions, that must be included as part of the client registration form. Depending on the answer (yes or no) the system should create a report.

Once, the client has been registered, the system should have a client file window where it can be consulted every piece of information about the client as well as the image of the documents. In this window, once the client has one or more loans with the financial institutions, a record of every loan (active or not active) must be reflected in an area called loan history. If selected, the detail of the loan must be shown from this window.

The system must print a report from the Client File. Here is an example of a Client application form.

If it is a Persona Moral, we need to regsiter the following information:

- Legal Name of the entity:
- Commercial Activity
- Social objective
- RFC
- Address, as defined by the persona f�sica
- Local Phone
- E-mail
- Nationality
- Name of the administrator (need spaces to regsiter one or two administrators)
- E- mail of the administrator
- Pone of the administrator
- Position of the administrator in the company.

Also, each client must present the following documents (the system should be able to keep an image of the documents for consulting purposes.

a) Articles of incorporation.
b) RFC
c) Legal Powers of the administrator
d) Copy of the inscription to the Registro publico de la propiedad y del comerico
e) ID of every administrator
f) Proof of residence.

And also the questions. The result of this questions should trigger or not the creation of a special report.

Here is an example of the application for personas morales:

The Mexican Law has created a regulation to take care of the people who work or receive a Loan from a financial institution, so we have to follow some rules since the first moment a person reaches de financial institution.

To do that, let me explain you what we need to consider:

1.- We should consider a type of user in the system know as �Oficial de Cumplimiento� in English �Compliance Officer�. The main purpose of this figure is to approve operations where something is unusual. Without his approval, the action must no be allowed in the software. Also, the Compliance Officer should be able to create and report unusual operation reports to the authorities, and must be supported by an automated system.

2.- CLIENT RISK STATUS: The Client must need to have a Risk status determined by its Risk Level. The classification must be the result of a matrix of decision and there are to types of Risk: Low Risk clients and High Risk Clients. So, once the Client application form has been filled out, the system should determined if the person is Low Risk or High Risk. If low risk, it can continue its operations in the system (and in some place the system must show the risk level of that client.

If it is a High Risk Client, then an alert shall be notified, and a second registration �Client Validation Form� should be applied to the client. Note: Once the second application form has been filled out, only the �Oficial the Cumplimiento� can authorize the Client based on the report (The second application form, must be done at the time an address verification visit is done and pictures of the business or home of the client have been taken. That information must be in the system, so I think that the system must be able to save scanned images of the applications signed by the potential client as well as the compliance officer). Once it has been authorized by the compliance officer, then the person can become a Passive client in the system, and an evidence must be registered in the system that the compliance officer has evaluated and approved the client.

3.- Evaluation Matrix:

3.1 If the client is a Politically exposed person? We need to ask a question as part of the first �Client application Form�.

If Yes, Then Is Considered a High Risk Client
If No, Then is considered a Low Risk Client

3.- Activity or Profession. Here the Financial Institution must create a policy to determine which activities are potentially risky. So my propose is to create two catalogs, one for high risk activities, and other for low risk activities. The administrator should be able to fill this catalogs.

4.- ORIGIN OF RESOURCES: If resources com from abroad, it is a high risk client. If the origin is not identificated, then is high risk. I think we should manage this issue exactly as point number 3.

5.- Place Of residence: Here, we need to have the city and state in which people lived. In the case the place of residence is in other country, then it is considered high risk.

6.- Transactional Profile: This issue should be determined by two variables: Contrast between how much is the clients monthly Income (So we have to ask for the monthly income) and how much money they would like to ask for the loan. The policy can be that if the loan amount is of 7 or more times the monthly income, then it is considered a high risk client. I think this ratio must be a variable in the system that de administrator can modify.

The second variable is related to the payment done in a month versus the sum of the instalments during that month, or if a payment is higher than the balance of the outstanding loan. This would work once a loan is in operation, not before. But the system should be prepared to notify the compliance officer if the payment is higher and change the risk classification of the client.

IF the system determined that is a High Risk Client, then the Compliance Officer should be notified and a Clien CValidation Process should be completed:

The validation process requires three additional elements:

1.- Complete a second validation Form: (annex 1)
2.- An address validation visit
3.- Pictures of the business and/or Home.

Once all this is in the system, the Compliance Officer, should be able of approving a person to become a client, however this client must be registered with the status of High Risk Client.

Reports:

The Compliance Officer should be able to create three different kind of reports:

1) Unusual Activities report: (Reporte de actividades Inusuales):
a. Every operation for an amount of more than �,000 pesos is considered an unusual activity.
b. If the sum of all the operations made by the same client within a month is higher than 200,000 pesos, it is considered an unusual activity. (I suggest the amount in pesos should be a variable that can be modified by the administrator).
c. Every operation than comes form other country is considered as unusual
d. Every operation that cannot be identified is considered as unusual.
e. Finally, if the compliance officer wants to notify something different, he must be able to create a report to notify a unusual operation.

2) Relevant Operations: The compliance Offcier should be able to report Relevant operations. A relevant operation is any operation for an amount of more than MX5,000 pesos, or if the sum of all the operations made by the same person within 7 days is higher than MX5,000 pesos. As in the other examples the amount should be a variable that can be modified by the system administrator.

3) High Risk Operation: Every operation made by a person considered as a High risk client. Ther must be a report of these operations.

Annex 1.- High Risk Client Validation Form:

(probably it can be added as part of the client registration form)

Name
Last name
Last name

Origin of the resources
Economic activity (Please describe)
Monthly income from economic activity
Other sources of Income

Spouse:
Name
Last Name
Last Name
Age
Gender
Date of Birth
Place Of Birth
Complete Adress
Phone
Cell Phone
e-mail (if applicable)

Children: (for every son or daughter)
Name
Last Name
Last Name
Age
Gender
Date of Birth
Place Of Birth
Complete Adress
Phone
Cell Phone
e-mail (if applicable)

Father
Name
Last Name
Last Name
Age
Gender
Date of Birth
Place Of Birth
Complete Adress
Phone
Cell Phone
e-mail (if applicable)

Mother
Name
Last Name
Last Name
Age
Gender
Date of Birth
Place Of Birth
Complete Adress
Phone
Cell Phone
e-mail (if applicable)

Data of Person that can validate this information.
At this level we already have information about clients (passive) who are looking for a loan.

Each Client must have a unique Client number assigned by the system.

Reports: The system should be able to create the following reports:
Client Application
Client File
Client Loan Request
Compliance Officer Reports

The final part of this phase is to create a tool, so a third person can access from any computer with internet access, to the application form, in order to register his information and upload the documents, and an administration window that allows to confirm the acceptance of those clients which registered their information from outside the program.

The next phase will be the creation of a Loan. Once the client is registered and all the client information is OK, the client is ready to ask for his first loan. T do that we will need a loan simulator, where a client can define the parameters and as a result they can se a payment table where he understand how much he has to pay for his credit (amount, interest, principal, frequency, number of payments, etc. ). Once, in the simulator the client agrees with the loan conditions, the credit should be authorized by a member of the financial institution. That authorization will trigger the creation of the loan documents (Loan application, Contract, IOU, table of payemnts). I commented this because the idea is to continue the construction of the system by phases with the same developer. So pleas consider this issues at the momento of planning the development of the system.

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