ARD140 Training - 1 Overview

“We believe it can be done, so we make it happen “
ARD140 – 1 Overview
Solutions Focused Global Player

What do we cover today
• Run thru an acct, CMS Perspective

• ARD140
– Basic flow
– Problem solving, examples
• Questions please

Acct walk thru- spreadsheet
Acct walk thru

ARD140 Flow
 Pre Post Processing
 Post today’s transactions
 After post processing
 Statement processing
 Post statement process
 Update master files

Pre Post Processing
 Load all acct data to WS Variables
 Check for any Plan rollovers
 Pre interest accrual if Acct accrual thru
date is less than System accrual date
(AMCR today’s date backdated to one
day)
 Updates acct status
 Auto block code update

Post today’s transactions
 Transaction passes thru 8 edits before
getting posted
 ATPT-MT-POSTING-FLAG set to 00 for
successfully posted transactions.
 ATPT-MT-POSTING-FLAG value other
than zero indicates specific reject reason.
Values present in ATPTRL

After post processing
 ACH Processing, Generate a txn is applicable
to be posted in the next day run
 Post Interest Accrual
 Insurance activation checks to send out
activation letters
 Delq ageing based on logo setting, for the
payment made (due date or statement date)
 Check for overlimt, late , user fees conditions
and generate fees if applicable
 If cycle day, update delq ageing
 Check for potential charge-off
 Roll plan if applicable

Statement process
 Charge membership fee, if applicable
 Consolidate plans if plans have to be
consolidated for statement
 Bill interest
 Auto reage acct if eligible
 Charge SVC charge, if applicable
 Consolidate plans for payment calculation
 Insurance premium, payment calculation
(Order of these 2 based on settings)
 Calculate days delinquent
 Calculate balance subject to grace (BSTG)
 Generate Statement
Post statement process
 Set grace days processing on credit plan
 Charge off migration logic
 If not cycle day, update days delinquent
 If CTA active, check for collection
conditions and generate a tag record
 Calculate open to buy

Some Issues

Issue – 1
December Statement

Issue - 1
January statement; what's wrong in this statement

Issue – 1 – Problem in the Stmts
• Jan stmt shows a payment of 1486.69. This
amount first clears of the past due and the
remaining applied to current due.
• Past due = 1477.14 – 1486.69 = - 9.55
• The remaining 9.55 is applied to the current
due of Dec stmt = 735.98 – 9.55 = 726.43
• But the result of this is shown as 689.85 which
is wrong. The difference between the actual
and shown value is 36.58 which is causing the
‘Delinquency out of balance’ message in D15
report.
Issue – 1 – Actual issue description and
analysis steps
Issue: D15 report showing 'Delinquency out of balance'
condition for some accts.
D15 report is generated by ARD340 program. Input for this

ATRF created in posting.
Steps:
1. Search for the message in ARD140 listing.
2. Audit messages are defined with the 88 levels "WS-RM-”
throughout the posting program conditions are
checked and accordingly audit messages are written to
ATRF file.
3. Check the conditions, validate the same with the acct.

Issue – 2 – Interest Issue
Issue: For an acct, 3 payments were made. 1st payment knocked off all
dues. 2nd & 3rd payments were posted and dint change any dues.
3rd payment did put the acct in credit balance
Now, when the 2nd payment was subsequently reversed, it generated a

accrued interest transaction of 0.41.
Steps:
1. Actual interest billing happens at the statement processing.
2. Put displays in D140INT.
3. The issue is CC-Agg bal used for not updated when LM34 is used for
reversal; in plan words LM34 is not being considered in current
month debits.
4. The question here is; should LM 34 be considered as a debit?
Display’s in D140INT:
Microsoft Word
Document

Issue – 3 – Generated transaction issue
Issue: Late fee should not be assessed when late

fee indicator is 0 in ARVM 01 screen. But for
some cases late fee is getting assessed and for
some accounts its not getting assessed.
Steps:
1. Search for the WSIC-ATGT-LATE-CHARGES in
ARD140 listing, go to the particular paragraph
in Late fee post paragraph in D140ATGT.
2. Check by the 88 level for the late fee indicator
‘0’

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“We believe it can be done, so we make it happen “

Solutions Focused Global Player

• Run thru an acct, CMS Perspective

Solutions Focused Global Player

Acct walk thru

Solutions Focused Global Player

Solutions Focused Global Player

Solutions Focused Global Player

Solutions Focused Global Player

Solutions Focused Global Player

Solutions Focused Global Player

Solutions Focused Global Player

Solutions Focused Global Player

January statement; what's wrong in this statement

Solutions Focused Global Player

D15 report is generated by ARD340 program. Input for this

Solutions Focused Global Player

Now, when the 2nd payment was subsequently reversed, it generated a

Solutions Focused Global Player

Issue: Late fee should not be assessed when late

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