# User Guide

## Overview

The Brazil SWIFT Operations Platform is a comprehensive system for processing SWIFT international payments and foreign exchange transactions in compliance with Brazilian regulations.

## Getting Started

### Accessing the Application

1. Open your web browser
2. Navigate to the application URL (provided by your administrator)
3. Log in with your credentials

### Navigation

The application has four main sections:

- **Dashboard**: Overview of transactions, statistics, and compliance status
- **Transactions**: Create and manage transactions
- **Treasury**: Manage treasury accounts and subledgers
- **Reports**: Generate BCB reports and export data

## Transactions

### Creating a Transaction

1. Navigate to the **Transactions** page
2. Fill in the transaction form:
   - **Direction**: Select Inbound or Outbound
   - **Amount**: Enter the transaction amount
   - **Currency**: Select the currency (USD, BRL, EUR, GBP)
   - **Ordering Customer**: Enter customer name and Tax ID (CPF/CNPJ)
   - **Beneficiary**: Enter beneficiary name, Tax ID, and account details
   - **Purpose of Payment**: Enter a clear description
   - **FX Contract ID**: (Optional) Link to FX contract
3. Click **Submit Transaction**

### Transaction Validation

The system automatically validates:
- Transaction amount and currency
- CPF/CNPJ format
- Required fields
- Purpose of payment

### Transaction Status

After submission, each transaction is evaluated against regulatory rules:

- **Allow**: Transaction approved, can proceed
- **Hold**: Transaction requires review
- **Escalate**: Transaction requires senior approval

### E&O Uplift

All transactions include a 10% Errors & Omissions (E&O) uplift, displayed in the transaction table. This is an off-balance-sheet exposure buffer.

## Treasury Management

### Treasury Accounts

Treasury accounts are parent accounts that hold funds.

**Creating a Treasury Account:**
1. Navigate to **Treasury** page
2. Click **Create Treasury Account**
3. Enter:
   - Account Number
   - Account Name
   - Currency
4. Click **Create**

### Subledger Accounts

Subledger accounts are child accounts linked to a treasury account.

**Creating a Subledger:**
1. Navigate to **Treasury** page
2. Click **Create Subledger**
3. Select parent treasury account
4. Enter account details
5. Click **Create**

### Viewing Account Details

Click on any account to view:
- Account balance
- Available balance
- Account status
- Transaction history

## Reports

### Generating BCB Reports

1. Navigate to **Reports** page
2. Select date range:
   - Start Date
   - End Date
3. Click **Generate Report**

### Report Summary

The report shows:
- Total transactions
- Total amount (USD)
- Inbound/Outbound breakdown
- Reporting required count
- Total IOF

### Exporting Reports

- **Export JSON**: Download report as JSON file
- **Export CSV**: Download report as CSV file

## Compliance

### USD 10,000 Threshold

Transactions ≥ USD 10,000 (or equivalent) automatically require:
- BCB reporting
- Enhanced documentation
- Compliance review

### Required Documentation

All transactions must include:
- Ordering customer Tax ID (CPF for individuals, CNPJ for companies)
- Beneficiary Tax ID
- Purpose of payment
- Account details

### AML Checks

The system automatically checks for:
- Structuring patterns (multiple transactions just under threshold)
- Suspicious activity patterns
- Compliance with Brazilian AML regulations

## Troubleshooting

### Transaction Rejected

If a transaction is rejected:
1. Check validation errors in the form
2. Verify all required fields are filled
3. Ensure Tax IDs are valid CPF/CNPJ format
4. Check that purpose of payment is provided

### Report Generation Failed

If report generation fails:
1. Verify date range is valid
2. Ensure transactions exist in the date range
3. Contact support if issue persists

### Account Balance Issues

If account balances appear incorrect:
1. Check transaction history
2. Verify postings are correct
3. Contact treasury administrator

## Support

For assistance:
- Contact your system administrator
- Refer to the Developer Guide for technical details
- Check the Compliance Documentation for regulatory questions