Business Banking Risk Rules

You can add risk rules for business banking using one of the following types: ACH Transfer Rule, ACH Payment Rule, User Rule, or Wire Rule. For consumer banking, go to Consumer Banking Risk Rules.

Add a New Business Risk Rule

To add a new risk rule for businesses:

1. From the Narmi Command sidebar, select Configurations > Risk manager.

2. On the page that appears is a list of your institution's current risk rules. The following information is available in the list:

   • Description – Your institution's description of the rule

   • Category – ACH transfer, ACH payment, User, or Wire

   • Conditions – The circumstances that need to be met for an action to take place, for example, “Amount greater than $50”

   • Actions – The actions that occur when risk rule conditions are met, for example, “Move to review”

     
     Select Add rule on the upper right to create a new rule.
     

3. In the dialog that appears, you'll select conditions and actions for the rule. Conditions are the circumstances that need to be met for an action to take place. Actions only occur when those conditions are met.
   

   1. From the first menu, select the type of rule, either ACH Transfer Rule, ACH Payment Rule, User Rule, or Wire Rule.

   2. Enter a Description of the risk rule for your staff.

   3. Select when to trigger the rule: if all (all the specified conditions specified are met) or any (any of the specified conditions are met). If you want to use both, you can add an additional condition.

   4. Select Add condition, and form options appear.
      

      
      

   5. Select a condition from the menu. See Risk Conditions below for available conditions by rule type.
      

   6. Select and/or enter the operators of the condition, which vary depending on the condition. For numeric conditions, you must select either equal to, greater than, greater than or equal to, less than, or less than or equal to, then enter a number. For example, Age of external account (days) equal to 30.
      For non-numeric conditions, you'll select options from the menus provided. For example, User category contains Personal.
      

      

      
      

   7. To add additional conditions, select Add condition, and repeat steps 3e and 3f.
      To add a sub-condition, select Add a sub-condition, and repeat steps 3e and 3f. Sub-conditions are subordinate to the condition and only apply once the initial condition is met.
      

      Condition and Sub-condition Example
      For an ACH Payment Rule, if you selected the following condition:
      User profile age (days) less than 30
      And selected the following sub-conditions:
      ACH payments to this account (day) greater than or equal to 10000
User ACH payment count total greater than or equal to 10
      The resulting risk rule is triggered for all user profiles created less than 30 days ago, where the account had either 1) an ACH payment of $10,000 or more in a day OR 2) total ACH payments of 10 or more.

      
      

   8. Select Add action and choose the actions that should occur based on your set conditions. Depending on the rule type, there are two possible actions:

      • If the rule type is ACH Transfer, ACH Payment, or Wire, the possible actions are Move to review or Lock user.

      • If the rule type is User, the only possible action is Lock user.
        For more information, go to Locked Users from Risk Rules.