Speed exception decisioning and resolve incoming returns more efficiently with flexible, automated back-office solutions for your bank.
OVERVIEW
My name is Adam Rodriguez. I work for Frost Bank in San Antonio, Texas. I'm a level three software developer. We do have trips incoming. We went live with that back in twenty sixteen, as well as trips exception.
Basically, the ability to be able to data mine the database to find information, on the fly, in the middle of a meeting. They're able to see a lot more information on the screen to be able to process their items correctly, find potential fraud and remedy that, much quicker. The capabilities of trips, both in exceptions and incoming, have been incredible to our previous, software.
So we are able to handle a lot more volume, more efficiently, with sometimes less people, just because trying to hold on to and and retain the personnel working those items has been difficult, you know, in this, post COVID world. And just having that ability to move as much volume as we have been is incredible.
So the ability for, different departments to be able to work together, on the same items, the same kind of case work. It's just as easy as paying for it, installing it, having that, support system on the deluxe side to help us go beyond what we thought was possible.
Caring.
They believe in what they're doing. They feel that, you know, it's a family. We wanna be able to help customers, and they in turn help us do that for them.
Tired of the legwork, delays and missed fee opportunities inherent in returned-item processing and exception decisioning? Item Processing from Deluxe (formerly TRIPS®) gives your back-office staff a smarter way to work.
With powerful automation and built-in logic, Item Processing delivers a completely digital experience that accelerates your processes and empowers staff productivity.
Whether you’re handling ACH returns and reversals, checks, chargebacks, ACH exceptions or other stalled transactions, there’s no more hunting between systems for details. No need for paper files. No more missed deadlines, losses and inefficiencies. Our best-of-breed solution automates routine work and reduces the touchpoints required to resolve an issue. Item Processing makes it possible to handle increasing payment volumes and use your internal resources wisely.
FEATURES & BENEFITS
Item Processing enables banks large and small to save time, lower costs, improve compliance and reduce risk across all types of incoming returns and payment exceptions.
Meet internal deadlines and industry requirements without stressing in-house staff or systems. Item Processing reduces manual activities, automates processing for early notification systems and supports all operating timeframes, including multiple time zones and round-the-clock models.
Make the most of service-level revenue and redeposit opportunities by simplifying fee calculation and improving collections. Choose to itemize charges or bill by account.
Improve your customer experience by accelerating item processing and exception decisioning. Design and deploy consistent communications across branch locations, including automated notifications through your email and fax applications.
Use built-in smart queues to distribute work by service levels, account types, team member experience or other priorities you define. Quickly forecast completion times and balance your back-office team’s workload.
KEY FEATURES
Item Processing puts you in control with customizable workflows and business rules that you define. Item Processing easily adapts to support your bank’s processes for optimal efficiency and automation.
Item Processing aggregates everything your back-office team needs within a single interface. It reduces unnecessary research and eliminates the need to enter data into multiple systems.
Every day, Item Processing automatically resolves incoming items and exceptions that meet your criteria, dramatically accelerating cycle times and reducing workload for your back-office staff.
Item Processing eliminates bottlenecks by swiftly organizing all relevant information for each transaction, including check images.
Item Processing improves customer service and internal communications by automatically updating your core systems, sending notifications directly to customers and supporting a consistent process across all your branch locations.
DOWNLOADS
HOW IT WORKS
From across your systems and data sources, Item Processing assembles all relevant data, images and documents for incoming returns and exceptions. Smart technology re-associates and automatically processes many items according to bank and customer instructions.
Item Processing assigns any remaining returned items and exceptions to decisioning queues based on criteria you define. Back-office staff use guided workflows for quick decisioning and resolution.
Item Processing connects to your back-office systems to support financial adjustments, customer notifications, outgoing transmissions and more.
More Solutions
Item Processing
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In the Deluxe Item Processing and Case Management products, item processing means applying decisions on transactions in the Incoming & Exceptions items.
In banking, an exception item describes a transaction that is unable to be fully processed. This may be due to missing or inaccurate information, insufficient funds or an incomplete check. Automating receivables tasks, like exception item processing, make them far quicker to resolve than manual processes.
Item Processing expedites decisioning to help banks resolve more payment exceptions and returned items automatically.
ACH returns are failed transactions generated by receiving financial institutions. These can occur when trying to post to an account that does not exist, if account numbers are typed incorrectly or if the account has insufficient funds. ACH reversals are a request to undo or “reverse” a completed transaction. Originating financial institutions generate ACH reversals.
Resolution times vary depending on the payment type, reason for the exception and/or amount of research required by the financial institution. Using an integrated and automated platform like Deluxe Item Processing helps financial institutions save time and work more efficiently across all payment exceptions and item processing needs.
