1. FEE BASED TRAINING PROGRAMME
JUNE 2015
MONEY TRANSFER SALES TEAM

2. MONEY TRANSFER

3. RECEIVEING money from abroad made easy through
MONEY TRANSFER
RECEIVEING money from abroad made easy through
branches ……….

4. Content CONTENTS Introduction Guidelines & Documents
Money Transfer Service Providers
Scopes
Do’s And Don’ts
CONTENTS

5. INTRODUCTION
Money Transfer means transferring money from one part of the globe to another.
Money Transfer is the safe , easiest & fastest way of transferring personal funds from abroad to India.
Only personal remittances such as payments towards family maintenance and remittances favoring foreign tourists visiting India are permissible

6. RBI GUIDELINES FOR MONEY TRANSFER
Only person-to-person remittances are permissible under the Money Transfer Service Scheme.
Any single remittance under the scheme shall not exceed USD 2500 or its equivalent in other currencies.
Only 30 Transactions per beneficiary are permitted in a calendar year.
Cash transaction is restricted upto Rs only.
Above Rs is credited through a/c Cheque or NEFT.
Beneficiary having more than one transfer for total above Rs is eligible only single cash payout and other on a/c Cheque or NEFT .

7. RBI Guidelines……
There is no cash payout limit for foreigners/foreign passport holders in India.
Investments or credit to NRE accounts or donations/contributions to charitable Organizations are not permitted through money transfer scheme.
Payments are made against proper identification/ KYC completion.

8. Guidelines…
PROCESS FLOW ON CONFIRMATION OF A MONEY TRANSFER
Collect details such as secret no, sender name and Expecting amount from receiver including money receive form duly filled by customer of respective service provider.
Transaction should confirm & block in the respective agency site. If Branches fails to get confirmation / blocking transaction advise to contact Head office specifying reason for failure. Head office will guide for necessary action.
Branches should collect blocking confirmation number from HO for remote locking transaction.
Entry the same in our system Money Transfer Module immediately .
For the NEFT Customers:
* Add/Update NEFT Details in the New Customer Module after that Entry the same in our system Money Transfer Module.

9. Proof of identity can be any one of the following: Passport Adhar Card
KYC & Its Guidelines…
Proof of identity can be any one of the following:
Passport
Adhar Card
Voters Identity card
Driving License
Telephone bill/statement of Bank account/ Electricity bill/Ration Card/letter from any recognized Public Authority/letter from employer to the satisfaction of the Branch Head.(Please refer Circular No:3830 and 4448)
c) Maintain and Preserve the records of “Receive now” forms and beneficiaries photo ID proof at the Branch location for a minimum period of 10 years from the date of transaction.

10. Important Messages ….
If any service providers site issue, clear immediately or inform HO.
All Branches/ Areas leaders must “ update money transfer working condition “ in dotnet lite module properly.
Service providers user name & password. don’t keep in system , its written in specified diary or book confidentially.
If any installation /system format / damage in MTSS system please inform HO priorly.

11. Money Transfer Service Providers ( “We tie up with SEVEN major international agencies” )

12. Money Transfer Agencies

13. Documents to be collected for money transfer
Name of the customer:
The name of the customer should be similar as in the presented ID proof and Address Proof.
Address and phone number of the customer: Both the present and permanent address of the customer should be recorded and both mobile number and the land line number has to be mentioned
Name of the sender:
The sender address has to be mentioned in the column for sender details.

14. Documents to be collected for money transfer
Place of the sender:
Place of the sender should be clearly mentioned at he time of inward transfer.
Amount expected:
expected amount to be received.
Secret number
Collect number from receiver
ID proof with photo along with valid expiry date: only document to be taken from the customers.

15. Documentary…..
Get the application form completely filled up by the customer
Confirm the payout (only after verification of the above said documents).
Pass necessary accounting entries using money transfer module in dot net.
Cash/cheque /NEFT to be paid to the customer.

16. Service Providers Site Address
Installed by IBM staffs, Register a compalint in IT HELPDESK

17. Company
:Money Gram
Name of the agency
: Thomas cook ltd
Code number
: Reference Number
Number of Digit
: 8 Digits

18. Delta work Installation Money Transfer Confirmation
(Money Gram Module)
&
Money Transfer Confirmation

28. Login in Manappuram portal  Install western union certificate  Western union site

29. :Western Union Money Transfer : Weizmann FOREX LTD
Company
:Western Union Money Transfer
Name of the agency
: Weizmann FOREX LTD
Code number
: MTCN (Money Transfer Control Number)
Number of Digit
: 10 Digits

30. LOGIN PAGE:WUPOS 1.Enter the 12 characters provided to you as username
(eg:725AII080062)
2.Enter the 8 characters provided to you as Password(FED00725)
3.Click on Log In
Note: Wrong Entry of password will lock the ID after 3 attempts

31. MAIN MENU PAGE
1.Click on Payout Money

32. Payout-MTCN Search
1. Enter the 10 Digit MTCN
2. Then click on Search

33. Payout -MTCN Search Result
1. Gives following result. Verify the data given by receiver
2. Then click on Payout Button

34. Payout –Compliance Template
1.Scroll down for Entering data

35. Payout –Compliance Template
1 .Select the id
2.Enter the Id No.
3. Click on the box
4.Select the country were id is issued
(If ID does not have an expiry , click here. The expiry date option will get hided.)
5.Expiry Date of ID
6.Issue Date of ID

36. Payout –Compliance Template
(PLEASE AVOID SECONDARY ID)
1. Select the purpose of Trxn
2. Occupation of Receiver
3. Relationship of Receiver to Sender
(4.Click on the above box)
5 & 6. Selection the Country of birth and Nationality of Receiver
7. Select the Gender of Receiver
7. Update receiver’s address including Pin code.

37. Payout –Compliance Template
1. Update Address & communication details of receiver
2.Date of birth of receiver
3. Click on Payout now button

38. Payout completion
1. click here for receipt

39. Receipt

40. TRM FILLING

42. : ROYAL MONEY : TRUST TRAVEL PVT LTD : PIN Number : 8 TO 14 DIGIT
Company
: ROYAL MONEY
Name of the agency
: TRUST TRAVEL PVT LTD
Code number
: PIN Number
Number of Digit
: 8 TO 14 DIGIT

47. Go to Masters and take reprint1 2
Go to Masters and take reprint 3 4

49. Service Providers Site Address

50. : BFC FOREX & FINANCIAL SERVICE PVT LTD : TRANSACTION SECURITY NUMBER
Company
: EZREMIT
Name of the agency
: BFC FOREX & FINANCIAL SERVICE PVT LTD
Code number
: TRANSACTION SECURITY NUMBER
Number of Digit
: 12 DIGIT

51. NEW EZ-REMIT SITE LOGIN

57. Service Providers Site Address

58. : XPRESS MONEY : UAE EXCHANGE : XPIN NUMBER : 16 DIGIT Company
Name of the agency
: UAE EXCHANGE
Code number
: XPIN NUMBER
Number of Digit
: 16 DIGIT

59. X-PRESS MONEY-CONFIRMATION PROCESS

63. FIRST SUBMIT AFTER CONFIRM
SELECT ID TYPE
FIRST SUBMIT AFTER CONFIRM

66. Service Providers Site Address

67. :9 DIGIT ( ORDER NO STARTING ALPAHABET )
Company
: INSTANT CASH
Name of the agency
: WALL STREET FINANCE
Code number
: ICTC NO / ORDER NO
Number of Digit
:9 DIGIT ( ORDER NO STARTING ALPAHABET )

68. INSTANT CASH-CONFIRMATION PROCESS
ENTER 1ST PASSWORD

70. ENTER ADRESS DETAILS & DOB&CONTACT

71. ENTER 2ND PASSWORD THEN PROCEED
SELECT ID
ENTER 2ND PASSWORD THEN PROCEED

73. Service Providers Site Address

74. : INSTANT GLOBAL MONEY TRANSFER PVT LTD : KEY NO : 12 OR 13
Company
: TRANS FAST
Name of the agency
: INSTANT GLOBAL MONEY TRANSFER PVT LTD
Code number
: KEY NO
Number of Digit
: 12 OR 13

75. TRANSFAST-CONFIRMATION PROCESS

78. ENTER ADRESS DETAILS & DOB&CONTACT

81. Scopes STATE Transactions PUNJAB 247000 HIMACHAL PRADESH 6000
JAMMU & KASHMIR
9000
UTTAR PRADESH - REST
237000
HARYANA
20000
DELHI
33000
UTTAR PRADESH - WESTERN
39000
UTTRANCHAL
8000
RAJASTHAN
74000
MADHYA PRADESH
4000
CHATTISGARH
1000
GUJARAT
45000
MAHARASHTRA
73000
GOA
KARNATAKA
56000
TAMIL NADU
294000
ANDHRA PRADESH
226000
KERALA
181000
ORRISA
JHARKHAND
BIHAR
86000
WEST BENGAL
NORTH EAST
Scopes

82. Circular NO. 5135
Customer must be physically present at the location and should produce his/her original id proofs for verification.
The photo of the customer shall be captured in the system each time the customer comes in for a transaction.
All documents (id proof, address proof, application form, to receive form and any other supporting document) collected from the beneficiary should be self attested/ signed by the beneficiary for each transaction.

83. DO NOT accept blurred/ illegible Ids.
Circular NO. 5135
DO NOT process the transaction if the beneficiary does not provide the necessary details, mainly, secret code or transaction reference number, estimated amount, sender¿s name, sender¿s country and valid Id.
DO NOT process the transaction if the MT is for purpose of investment/ charity/ donations/ trust etc. or for commercial transactions and if the transaction is being entered into by business entities or organizations, other than individuals
DO NOT accept blurred/ illegible Ids.
DO NOT accept photocopy of id, without verifying original id. If photocopy is illegible insist on clear photocopy of the id.

84. Precautions to be taken to avoid Block of Money Transfer Agencies
AGENCY
PRECAUTIONS
WHAT YOU HAVE TO DO?
XPRESS MONEY
3 consecutives wrong attempt will block the agency In order to avoid deactivation of agency open the agency at least once in 30 days.
Send the request for the reset of password to
With old login id
EZ REMIT
3 consecutives wrong attempt will block the agency
with old login id

85. Precautions to be taken to avoid Block of Money Transfer Agencies
AGENCY
PRECAUTIONS
WHAT YOU HAVE TO DO?
INSTANT CASH
In order to avoid deactivation of agency open the software at least once in 30 days.
Send the request for the reset of password to
With old login id
WESTERN UNION
3 consecutives wrong attempt will block the agency
Contact the respective western union marketing executives and submit the account code of the respective Branch
( Refer cir -4835)
TRANSFAST
The agency login gets blocked if site not accessed for 10 Days
Send mail to
With old login details.

86. Precautions to be taken to avoid Block of Money Transfer Agencies
MONEY GRAM
ERROR
REASON
WHAT YOU HAVE TO DO?
AC 343
Agent does not have the correct Delta Works version to do this transaction.
You need to upgrade to a latest version of the software so do the Transmit option in the Module.
AC403 /AC 419
POS is de-authorized. This error occurs mainly when a location has been logged out of the software.
Do file transmit to avoid such an error and Call Money Gram call center /8333
AC405
Unable to lookup initial profile. The error means you have put on the wrong device id
Please re-check the ID & Password.
AC706 with
code 4
Transaction is on hold
Call Money Gram call center /8333
transaction may be blocked for some compliance purpose
Unable to check in with host
I/O exception
ws2.moneygram.com
Check your network connections, make sure internet is working fine
Contact your local IT team for support
AC301
Transaction exceeds the payout limit
Inform your Super agent and call up the call centre /8333 and process the transaction with the call centres assistance.
AC-503/507
Set up password failure/wrong password
Check the correct password

87. CiRCULARS …. Circulars ……
Circular No – Subject
5351 – Incentive of Money transfer for BRANCHES
5135 – Guidelines of MTS
4923 – With drawl of MTS Register
4907 – De centralization of confirmation
4840 – Money transfer NEFT
4835- Agency error, password reset, any other issue
4550- Multiple ID
KYC Policy
3928 – MTS transactions 12 to 30 per Fyr
3644- Payment of MT amount to customer
3124- Money transfer inward module
3113- Above Rs/- through NEFT
1421- Wrong entry in system
1601 –Admin set up of MTS and FOREX
1531- Anti Money Laundering

89. Thanks ……