880443280c
- Added code splitting and memoization for frontend - Created comprehensive user guide - Created compliance documentation - All remaining implementable todos completed
171 lines
4.1 KiB
Markdown
171 lines
4.1 KiB
Markdown
# User Guide
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## Overview
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The Brazil SWIFT Operations Platform is a comprehensive system for processing SWIFT international payments and foreign exchange transactions in compliance with Brazilian regulations.
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## Getting Started
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### Accessing the Application
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1. Open your web browser
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2. Navigate to the application URL (provided by your administrator)
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3. Log in with your credentials
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### Navigation
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The application has four main sections:
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- **Dashboard**: Overview of transactions, statistics, and compliance status
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- **Transactions**: Create and manage transactions
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- **Treasury**: Manage treasury accounts and subledgers
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- **Reports**: Generate BCB reports and export data
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## Transactions
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### Creating a Transaction
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1. Navigate to the **Transactions** page
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2. Fill in the transaction form:
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- **Direction**: Select Inbound or Outbound
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- **Amount**: Enter the transaction amount
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- **Currency**: Select the currency (USD, BRL, EUR, GBP)
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- **Ordering Customer**: Enter customer name and Tax ID (CPF/CNPJ)
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- **Beneficiary**: Enter beneficiary name, Tax ID, and account details
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- **Purpose of Payment**: Enter a clear description
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- **FX Contract ID**: (Optional) Link to FX contract
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3. Click **Submit Transaction**
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### Transaction Validation
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The system automatically validates:
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- Transaction amount and currency
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- CPF/CNPJ format
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- Required fields
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- Purpose of payment
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### Transaction Status
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After submission, each transaction is evaluated against regulatory rules:
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- **Allow**: Transaction approved, can proceed
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- **Hold**: Transaction requires review
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- **Escalate**: Transaction requires senior approval
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### E&O Uplift
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All transactions include a 10% Errors & Omissions (E&O) uplift, displayed in the transaction table. This is an off-balance-sheet exposure buffer.
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## Treasury Management
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### Treasury Accounts
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Treasury accounts are parent accounts that hold funds.
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**Creating a Treasury Account:**
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1. Navigate to **Treasury** page
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2. Click **Create Treasury Account**
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3. Enter:
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- Account Number
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- Account Name
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- Currency
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4. Click **Create**
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### Subledger Accounts
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Subledger accounts are child accounts linked to a treasury account.
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**Creating a Subledger:**
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1. Navigate to **Treasury** page
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2. Click **Create Subledger**
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3. Select parent treasury account
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4. Enter account details
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5. Click **Create**
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### Viewing Account Details
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Click on any account to view:
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- Account balance
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- Available balance
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- Account status
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- Transaction history
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## Reports
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### Generating BCB Reports
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1. Navigate to **Reports** page
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2. Select date range:
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- Start Date
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- End Date
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3. Click **Generate Report**
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### Report Summary
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The report shows:
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- Total transactions
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- Total amount (USD)
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- Inbound/Outbound breakdown
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- Reporting required count
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- Total IOF
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### Exporting Reports
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- **Export JSON**: Download report as JSON file
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- **Export CSV**: Download report as CSV file
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## Compliance
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### USD 10,000 Threshold
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Transactions ≥ USD 10,000 (or equivalent) automatically require:
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- BCB reporting
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- Enhanced documentation
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- Compliance review
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### Required Documentation
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All transactions must include:
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- Ordering customer Tax ID (CPF for individuals, CNPJ for companies)
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- Beneficiary Tax ID
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- Purpose of payment
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- Account details
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### AML Checks
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The system automatically checks for:
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- Structuring patterns (multiple transactions just under threshold)
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- Suspicious activity patterns
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- Compliance with Brazilian AML regulations
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## Troubleshooting
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### Transaction Rejected
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If a transaction is rejected:
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1. Check validation errors in the form
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2. Verify all required fields are filled
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3. Ensure Tax IDs are valid CPF/CNPJ format
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4. Check that purpose of payment is provided
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### Report Generation Failed
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If report generation fails:
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1. Verify date range is valid
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2. Ensure transactions exist in the date range
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3. Contact support if issue persists
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### Account Balance Issues
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If account balances appear incorrect:
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1. Check transaction history
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2. Verify postings are correct
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3. Contact treasury administrator
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## Support
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For assistance:
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- Contact your system administrator
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- Refer to the Developer Guide for technical details
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- Check the Compliance Documentation for regulatory questions
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