brazil-swift-ops/docs/USER_GUIDE.md

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