RynohLive Users Manual

Transcription

1 RynohLive Users Manual Standard Version Enterprise Version Underwriter Access Version 397 Little Neck Road 3300 South Bldg., Suite 306 Virginia Beach, VA P: (757) TF:

2 Table of Contents Why RynohLive (system overview)... 3 Getting Started First Time Log-in & Setup... 4 RynohAdmin... 7 User Menu... 7 Management Menu Standard Version Enterprise Version Underwriter Version RynohTrax Alert Criteria View Alerts RynohReport Daily Menu Other Menu Configuration Menu RynohRecon Bank transactions Book transactions Reconcile Account Reconciliation Wizard RynohSecure Secure Alerts Menu Audit/Analysis Report Menu RynohPay Transactions Sent PosPay Files Client Services Contact Information Index

3 Why Real Estate Settlement involves the receipt and disbursement of large sums of money. Disbursing errors and check fraud are expensive. Account reconciliation, and fraud/error identification are difficult, time consuming, and time sensitive. With RynohLive, disbursing errors, employee embezzlement, and check fraud are automatically identified and virtually eliminated. RynohLive provides assurance and reassurance that all required funds are on deposit in the proper account, and that all disbursements have been properly made. Additionally, for user defined alerts, RynohLive tracks and verifies that these disbursements are received and have cleared the account within the specified time guidelines. System Overview: RynohLive is a secure (TLS/SSL cryptography) web based, automated, financial management tool that provides near real-time funds tracking, verification, and validation. RynohLive consists of four functional modules: RynohPay, RynohTrax, RynohRecon, and RynohReport. RynohLive is capable of simultaneously handling multiple bank accounts with multiple financial institutions. RynohTrax automatically tracks and validates funds flowing into and out of your escrow account(s). A user defined alert list provides automated notification when a specific transaction has not cleared the bank within the specified time frame. The alerts are defined based upon payee, purpose, or amount within a specific number of business days. For example: If a mortgage pay-off check has not cleared after four business days, you will be notified via the Morning Report. combines the functionality of the other three modules to provide daily and monthly management reports that enable proactive management and oversight of all agency escrow activities. The daily Morning Report is the key management report that must be reviewed every day to protect the agency from fraud, embezzlement, bank errors, and employee errors. It reflects those critical time-sensitive items requiring immediate attention. It is utilized to determine that: deposits have been received and credited by the bank; all disbursements such as: pay-offs, recordings, and insurance premiums have been received and presented for payment in a timely manner; incoming and outgoing wires have been properly processed and that deposits match expected receipts and are deposited in the proper account. If the company manages multiple escrow accounts, RynohLive also advises you if incoming funds are deposited/wired into the wrong account (provided that the account receiving the funds is also a RynohLive monitored account). A Reconciliation Analysis Report looks beyond the three-way balance to ensure that your accounts remain RESPA compliant. A proper reconciliation is far more than three matching numbers (book, bank and trial balance). The reconciliation analysis feature conducts a rigorous review and comprehensive analysis of items of potential concern to auditors and regulators. If required, RynohLive automatically prepares, analyzes and delivers your monthly reconciliation reports to your underwriter utilizing the Underwriter Submission feature. Prior to submission, you receive a preview of the report with an analysis top sheet. You can select how far in advance you want to receive this preview; and therefore have ample opportunity to make corrections, if necessary, before the report is submitted. RynohLive delivers numerous additional reports including: Positive Pay Report, Cleared Transactions, Voided Transactions, Bank Statement Report, Ledger Audit Report, Revenue Report, Three-way Reconciliation Report with Trial Balance, Outstanding Transactions, Funds Transfer Report, Uploaded Actual Bank Statement. Reports can be generated Monthly, by Customized Date-Range or most recent to-date. provides automatic and daily three-way account reconciliation as well as electronic verification of your reconciliation results. Not only are your accounts reconciled three-ways, but RynohRecon provides embedded tools to identify potential problems in your account. The Reconciliation Wizard identifies items preventing proper three-way reconciliation. The Wizard flags the error(s), and pinpoints the necessary corrective actions. is a monitoring module that is not a part of the standard version configuration. This module enables the user to monitor, and oversee the daily escrow operations of all RynohLive accounts. A composite Audit/Analysis summary provides a daily snapshot of the integrity of escrow operations. Every transaction within the accounting system is monitored and reviewed 24x7. This composite report is generated based on alerts criteria defined by the user. Anti-fraud algorithms will continue to be developed to more readily identify potential fraudulent or inappropriate escrow practices within the organization. automatically transmits a file of issued checks to your bank in accordance with the bank s processing schedule. This transmission can be once or multiple times per day. Further, RynohPay supports both payee and non-payee bank positive pay services. No operator intervention is required for file delivery. Positive pay eliminates check fraud, and ensures that only checks you have issued are processed for payment by your bank. Verification of RynohPay submission and acceptance confirmation is provided with each positive pay upload. IF YOUR BANK DOES NOT PROVIDE POSITIVE PAY RynohLive provides a standalone nonpayee match positive pay solution with its own daily reports and alerts. 3

4 Once the registration is received and accepted by RynohLive, you will need to log in and set up your Bank Accounts. First Time Login Go to the RynohLive Login page at Enter the username and password on the provided fields and click. Check the click license confirming you agree to the Terms and Conditions. This is a onetime step: once completed you will not be asked to accept again. 4

5 First Time Login - Continued After agreeing to the Terms and Conditions, each time you log in thereafter, you will be taken to the Welcome page under the tab. To register a bank account, click Add New Account to be directed to the Add a Bank Account screen, located in RynohAdmin. 5

6 First Time Login - Continued At the Add New Account screen, complete the bank account information requested. All * fields are required. Select a previously added bank or Select a bank from our list. If your bank is not listed, select My bank is not in this list and provide the Bank Name and Bank URL. Once all information is entered, click SAVE. A confirmation screen will be displayed. Repeat these steps to add additional Bank Accounts. Once your bank accounts are added, a RynohLive Representative will contact you to complete the installation process. Set up a login with your online banking for RynohLive. It should have view-only permissions for the account(s) you will use with RynohLive and the ability to download/export transactions. Send the login information to your RynohLive installation technician. 6

7 RynohAdmin contains the User and Management Menu for your RynohLive Account. Any administrative changes and account information can be made and found in the RynohAdmin tab. If you do not have manager access to your company s RynohLive account, you will only see the User Menu displayed. User Menu My Messages Click My Messages, on the left hand side of the screen. Notification messages appear for changes a User has made to the account and will also be copied to the address that serves as your login. Messages cannot be sent from this screen, but received messages serve as a backup and history of what has been changed on your account. Click on the message subject to read. To mark a message as unread, read, or to delete messages, use the check box to the left of the message to select, and then click the desired status (unread, read, delete). 7

8 User Menu My Profile My Profile enables users to view and change their profile information. If any changes are made to this profile information, click Change Profile at the bottom of the screen to save. 8

9 User Menu My Company My Company enables users to view Company Information and which RynohLive services the company is currently utilizing. Click on the number of users to display the User Screen. The User Screen shows current users and their status. When multiple users are listed, Click on column headers of First Name, Last Name, or Address to sort ascending or descending alphabetically. Search by Keyword, Sorting Options and number of Pages Displayed are also available. Clicking-on any User Name will display User Details. User information such as Address, Name, and user account access can be viewed on the User detail screen. 9

10 User Menu Change Password Change Password enables account users to change a current password. Strong Passwords are required. A green check mark will be displayed once each element of the password requirement is met. Passwords must be changed every 90 days and the system will prompt you to complete before access is permitted. Click the Change Password button to SAVE. 10

11 Management A User must be granted management privileges to access the Management Menu. Users Manage Users Manage Users enables an account manager to view users and to modify their access permissions and status. By clicking on any User Name, or anywhere in the user line area, the User Details screen will be displayed. User information including address, name, account status, and access can be modified in the User Details screen. Note: If a User account gets locked, managers will be able to unlock users under this menu. Click the box to unlock the user account. If User does not remember their password, managers can change the password from this screen. Also, it is here that managers can grant a user access to the RynohSecure module, suppress RynohSecure alerts and grant access to the Billing Profile. If you make any changes to the User, click to apply the changes, or to leave user as is. 11

12 Management Users Add New User To Add a New User, simply click Add New User located on the left hand side of the screen. On the Add New User screen, fill in the information as required. Note that all fields marked with * are required to be filled. On this screen you will be able assign a User as a Manager by checking this option on the page. Any number of Users can be designated as an Account Manager. Click ADD to finalize New User set-up. The newly created user will receive an from support@rynoh.com containing a link to be used to activate their account. The new user will have 72 hours to activate the account after receiving the above or the link will expire and it will be automatically locked-out. The newly created user and the account manager will receive a confirmation from support@rynoh.com. 12

13 Management Bank Accounts Manage Accounts Manage Accounts enables the account manager to view the company s current bank accounts set up with RynohLive, add new accounts, modify users access to each account and Edit Login Credentials used for accessing online banking. The bank accounts can be sorted (ascending or descending) by clicking on any column heading. Click to Select any bank account to display the Bank Account Details screen. 13

14 Bank Account Details screen continued The Automatic Grouping option will be Enabled by default. Earnest Money Deposits Place a Check mark in the box Exclude deposits from auto-reconciliation to enable this feature. You will be prompted for confirmation: You will be prompted to enter the amounts you would like to exclude from automatic matching, and click Add. When a transaction for the specified amount clears your Bank, it will remain to be manually matched to the corresponding book transaction. The Bank-Only Matching feature is not enabled by Default and may be considered incorrect from an audit standpoint based on the manner in which it is used. In general, all transactions appearing on the Bank Statement must be posted and reconciled normally. Please feel free to consult our Reconciliation Support team for proper use of this feature to verify compliance with proper reconciliation procedures. Deactivate Account If the bank account has been closed-out or you no longer need RynohLive to reconcile the account, click on the Deactivate Account button to submit the request. If you have remaining Active accounts setup in RynohLive, you will still have access to the Deactivated account for review and generation of historical reports. 14

15 Management Bank Accounts Add New Account At the Add New Account screen, complete the bank account information requested. All * fields are required. Select a previously added bank or Select a bank from our list. If your bank is not listed, select My bank is not in this list and provide the Bank Name and Bank URL. Once all information is entered, click SAVE. A confirmation screen will be displayed. Note: This will generate a notice to RynohLive Support to complete the new bank account information on your RynohLive Account. A RynohLive Support Representative should contact you within 24 business hours to complete the new bank account registration. If you do not receive a response from a RynohLive Representative after 24 business hours, feel free to contact us at support@rynoh.com or 877- GORYNOH. Repeat these steps to add additional Bank Accounts. You will also need to Set-up a login with your online banking for RynohLive. It should have view-only permissions for the account(s) you will use with RynohLive and the ability to download/export transaction listings.. 15

16 Management Bank Accounts Edit Logins Edit Logins enables the account manager to update online banking login credentials including user name and password, as well as group multiple accounts from the same bank together. RynohLive uses online bank account logins to automatically download bank transactions to reconcile between accounting software and bank transactions. If your bank requires token pass codes for login, the bank must send a physical token device to RynohLive Support. To Edit Online Banking Login Information, click changes to fields displayed, and click Save. activating the Bank Account Logins screen, as seen below. Make any necessary 16

17 Management Bank Accounts - Continued Edit Logins In order to group bank accounts together, the accounts must be with the same bank, use the same online banking website and login credentials. The following two bank accounts can be grouped together. Click on the link of the second account (the first is already associated with group 15). A drop-down menu will appear next to the account name, asking to which group you would like to add the account. Choose group 15. Group 15 will now look like this, and share the same log-in information: Click at the bottom of the screen to return to RynohAdmin home. 17

18 Management Company Company Profile Company Profile enables the account manager to view and edit company information, as well as add or remove underwriters and grant Underwriter Access to your RynohLive account. Active RynohLive services are for informational purposes only and will reflect a checkmark in corresponding box of an active service. To Add an Underwriter, click. A drop-down list of Available Underwriters to choose from will be displayed. Click to select the desired underwriter. Changes are pending until you click the Submit Changes button at the bottom of the screen. Underwriter Access An Underwriter can be granted access permissions to your RynohLive account (default setting is no access). The Underwriter maintains their own RynohLive account that will be used for the access if you grant permission. No Access Underwriter will not have any access to your RynohLive Account Redacted Review Can view with payee information omitted. Review Only Can view all information Review & Modify Full access view and modify options Tech Support you may provide IT Support contact information if you wish RynohLive to contact them directly with any connectivity issues. Click-on Submit Changes to SAVE. You will be prompted to confirm and a confirmation screen will be displayed. 18

19 Management Company Billing Profile Billing Profile enables the account manager to view and modify billing information. Required fields are noted with an asterisk. The billing profile also provides the ability to view your current Pricing Plan, Billing Cycle, and Billing Start Date. Click on the Update button at the bottom of the screen to save any changes. 19

20 Management Company Invoices Invoices enables the account manager to view, print and make one-time payments for any issued invoices. You can sort and search available invoices. To select an invoice, click on the invoice number. When viewing an invoice, you will have the ability to Print or a copy of the invoice. By clicking on the Amt Paid of an individual invoice, a tool-tip will provide additional information of payment method used and the date paid. 20

21 Management Company Adaptors Adaptors enable account managers to view the status of the RynohLive Adaptor Service. The RynohLive Adaptor communicates with your closing software, updating any new or modified transactions posted. The Standard interval the information is updated is every ten (10) minutes. Green Light - The adaptor is communicating with your closing software database and account information is being updated. Red Light - The adaptor has lost connectivity with your closing software database or an error has occurred. Hover your mouse pointer over the red light indicator for details. RynohLive Adaptor in a Closing Software Provider Hosted Environment If your closing software database is located and maintained by the software provider on their servers, the screen below will be displayed. If necessary, your software provider will be contacted directly by RynohLive Support to resolve any issues with the RynohLive Adaptor Service running properly. 21

22 Management Company Adaptors Continued Connectivity The following Warning message will also appear on your Morning Report if connectivity is lost: If connectivity is lost due to any of the following reasons, you will need to contact to have service re-installed: Upgraded your Closing Software to a newer version Migrated to a new computer or Server. If the Adaptor service has stopped for an unknown reason, follow the steps below: How to Start or Re-start your RynohLive Adaptor Service From the Server or Computer where the Closing Software Database resides: Locate the RynohLive icon in the lower-right icon tray Double-click to open -or- GoTo Programs; Rynoh Solutions; Adaptor Service Manager Click-on Actions, then Start or Restart Service If you continue to have an issue, please contact Support@Rynoh.com. There may be a conflict with anti-virus software installed on your system or lack of proper security permissions accessing your Server. 22

23 Management Company Recent Requests Recent Requests enables the account manager to view any recent account change requests, generally regarding adding new bank accounts. These requests will disappear once RynohLive Support has fully integrated your new account(s); until then, they will be classified as pending. Pending Requests may also be cancelled. 23

24 RynohTrax enables you to create user-defined Alerts to monitor specific types of transactions in your account that notify you if they do not clear the Bank within a specified time period. Transactions that meet the Alert criteria you specify, will be reflected on the Morning Report and can also be viewed on-demand through the RynohTrax module. To create an Alert, click-on Alert Criteria and then click Add You will have three (3) criteria to choose from in which to base the Alert. Click-on the drop-down arrow to display and choose either Payee, Purpose, or Amount. If you have selected Payee or Purpose, then select either Contains or Is Exactly from the second drop-down list. If you selected Amount, then your options are going to be >= (Greater than or Equal to), > (Greater than), = (Equal to), <= (Less than or Equal to), & < (Less than). In the third field, enter an expression or amount you want searched. RynohLive will search the memo or description fields of the transaction for whatever expression you enter. Choose the number of business days after which a transaction has not yet cleared the bank, to trigger the Alert. Check the box next to Only managers can edit/delete this alert to restrict modification or deletion by only Account Managers Select one of the three choices for what accounts you want the alert to apply Click SAVE. Once an Alert is created, you can view transactions on-demand by clicking-on the View link. If the to the left of each alert is scrolled over, a pop-up dialogue box shows which account user created the alert, and on what date. 24

25 RynohTrax Tracking - Continued View Alerts View Alerts enables the user to filter or group bank accounts to view transactions on-demand, that meet the alert criteria specified. 25

26 RynohReport provides daily, monthly and customized date-range reports. Automated reports can also be ed to designated recipients through Report Notifications. Reporting Daily Morning Report The Morning Report is the primary mechanism for determining the status of an individual escrow account. It is automatically updated before each business day for all bank accounts integrated into the RynohLive system. The Morning Report can be automatically ed to designated recipients as well as generated manually. Available as an add-on feature, Morning Reports can also be generated by Escrow Officer; contact for pricing and setup. The Morning Report can be generated on-demand by selecting the desired bank account from the drop down menu & clicking submit. Morning Report options with Escrow Officer add-on feature. Escrow Officer reports can also be filtered by Branch and automatically ed and generated on-demand. Contact for pricing and setup. Warning Messages will appear on your Morning Report if information has not updated properly. The Morning Report has not yet been updated prior to viewing -or- an issue was encountered preventing retrieval of bank transactions from online banking. You will be contacted by RynohLive Support if assistance is needed in resolving this issue. See Section Adaptors for detailed instructions on how to restart the RynohLive Adaptor service. 26

27 Reporting Daily Morning Report - Continued The Morning Report contains three sets of essential information: (1) User Defined Alerts; (2) Reconcile Alerts; and (3) Available Funds. The first section of the Morning Report is User Defined Alerts. These are the Alerts that were created in RynohTrax to monitor specific transactions that notify you if they do not clear the Bank within a specified time period. Alerts will be reflected individually with transactions matching criteria. Transactions will continue to be reflected daily until such time that it is reconciled through matching. Clicking-on the File Number hyper-link will display the Ledger Audit Report. Reconcile Alerts notifies the user when required financial events have not occurred as anticipated or required. Unmatched Bank Transactions These are transactions that have actually cleared the Bank, but RynohLive was not able to automatically match and reconcile the transaction. It is in this category of the Morning Report that you will be able to detect potential Fraudulent Activity, Bank Errors and Posting Errors. Common Reasons for Unmatched Bank Transactions 1. Transaction went into wrong escrow account. 2. Incorrect Amount either Bank Error or different amount than expected/posted in closing software. 3. Check cleared with no number or incorrect check number. 4. Deposit or Wire with a clear date different by more than a week from the posted date in closing software. 5. Deposit or Wire with multiple transactions for exact amount (either clearing bank or posted book transactions) dated in the same month. 6. The clearing transaction has not yet been posted in closing software or is still pending or on hold in closing software. 27

28 Reporting Daily Morning Report Reconcile Alerts Continued How to Match transactions To reconcile a transaction manually, the Bank Transaction must be matched to the posted Book Transaction from your closing software. Click-on Match to select a desired Bank Transaction You will be re-directed to the RynohRecon matching screen where you are able to match the Bank Transaction with one or more related Available Book Transactions posted in your closing software. Click-on Match next to the desired transaction. Repeat process to select additional book transactions. You can also select multiple book transactions utilizing the check boxes to the left of each and clicking Match Selected. Once the Remaining Amount of the Bank Transaction is reduced to exactly $ 0.00, the Save button will appear - click to finalize. The Comments field is optional, and may be used to notate any unusual circumstances of the match, i.e. Bank scanned incorrect check number. 28

29 Reporting Daily Morning Report How to Match - Continued Matching Options +Options feature provides the ability to Filter Available Book Transactions by File, Auto Match transactions and Advanced options. Auto-Match will locate any unique group of transactions that equal the clearing amount. Advanced Options - choosing the Advanced button selector, will display additional filters and search criteria that can be used to locate the posted available book transaction for matching. 29

30 Reporting Daily Morning Report Reconcile Alerts Continued Group Matching Bank Transactions Bank Transactions can be grouped together, if dated within the same bank period, to match against one entry posted in your closing software as displayed under Available Book Transactions. Use this feature to group multiple Bank Charges, Wire Fees, Bank Error corrections, etc. Select the first Bank Transaction to be grouped, by clicking-on Match Click-on the Group button displayed under the Bank Transaction to display the remaining bank transactions that are available to be selected. Place a check mark in the box to the left of each desired bank transaction to be grouped. Click the Group Selected button to complete. The Available Book Transaction can now be selected for matching that equals the total amount of the grouped bank transactions. 30

31 Reporting Daily Morning Report Reconcile Alerts Continued Bank Only Matching Clearing Adjustments Adjustments are used in conjunction with certain closing software such as ResWare or RamQuest. Bank Only Matching replaces the previous process of posting Adjustments as Other Receipts or Other Disbursements directly in the closing software during the manual reconciliation process. Also, it is no longer necessary to track unresolved adjustments to insure they are carried forward each bank period, as this is done automatically with RynohLive. If the use of Adjustments has been activated in your account by RynohLive Support, Bank Only Matching is used to reconcile them, i.e. Bank Charges, Wires received in-error, Bank Errors, etc. You must first enable Bank Only Matching in the Bank Account Details screen. See RynohAdmin - Manage Bank Accounts for setup. To mark a Bank Transaction as an Adjustment, click on the No link displayed under the ADJ column header : Place a check mark in the Adjustment box and then click-on Save. The bank transaction is now marked as an adjustment. For the example above - DLX for Business, the adjustment will be carried forward and balance future reconciliations until the Credit bank transaction occurs. You will then match the Debit Bank Transaction with the Credit Bank Transaction. Click-on Match to select the bank transaction, then Click on Group. Click-on Group next to the desired Bank Transaction, then click Save. 31

32 Reporting Daily Morning Report Reconcile Alerts Continued Unsent Wires and Other Debits / Uncleared Deposits and Other Credits are transactions that are posted in the closing software, but have not yet cleared the Bank, or cleared the bank and correspond to an unmatched bank transaction with a bank or posting error. Wire may not have been initiated, dual authenticated, or arrived after the bank s cut-off time. These are credit transactions that are posted in the closing software, but have not yet cleared the Bank. If you have multiple bank accounts active with RynohLive, notifications will appear in the far-right column if an exact unmatched bank transaction is located that may have been deposited into another bank account by mistake. Transactions with Incorrect Dates will be reflected if detected. A posted transaction date cannot be in a later bank period than which it actually cleared. The account reconciliation for the affected bank period will not be in Three-Way Balance until the date is corrected in the closing software. 32

33 Reporting Daily Morning Report Available Funds are Good funds that are Available to be disbursed. Outstanding credits, Pending Credits or Unmatched Credit Bank Transactions are not yet considered available funds and are not calculated into the file balance on the Morning Report. Negative Files appearing here may indicate that a posted Credit has not yet cleared the bank, insufficient funds were received or the file has been overdisbursed. Undisbursed Files contain no posted disbursements Remaining Funds reflect file balance after funds disbursed. Also reflected will be a Duration column indicating how many days a file has reflected the specific type of file balance, the last time there was any Activity on the file, and any posted Comments regarding the File Balance. To Add a Comment click-on the File number hyper-link to open the Ledger Audit Report. Saved Comments will appear on every report the file reflects a balance. 33

34 Reporting Daily Morning Report Positive Pay Report The Positive Pay Report (Standalone Solution) alerts users to any checks clearing through the bank that do not have a matching transaction posted in their closing software. This allows users to detect any possible check fraud, bank positing error, voided check presented for payment, or misnumbered check. Exceptions will continue to be shown on the Positive Pay Report until resolved and matched through RynohLive. The Positive Pay Report is generated daily and can be received by designated recipients automatically once setup is completed under Report Notifications or viewed on demand. To view on-demand, click-on the Positive Pay Report hyper-link, select an Agency Name & Bank Account and click Submit 34

35 Reporting Reconciliation Three Way Reconciliation Report All Reconciliation reports can be viewed on-demand at any time. It is not necessary to close-out a month-end in order to generate the reports. Each report can be generated for a specific bank period, a customized date-range or simply the most recent to-date. The Three Way Reconciliation Report provides an overview of the status of your account in the categories of (1) Book Balance; Adjusted Bank Balance; & (3) Trial Balance. To view the Three Way Reconciliation Report on-demand, click-on the Three Way Reconciliation Report hyper-link. Select an Agency Name, Bank Account and set the desired Report Date. Click Submit to generate report. Links provided to Print hard copy, or Export.PDF Utilizing the hyper-links within the Three Way Reconciliation Report, you can generate: Book transaction details Cleared & Outstanding transaction details Adjustment transactions Ledger Audit Report for a specific closing file 35

36 Reporting Reconciliation Cleared Transactions Report Outstanding Transactions Report Voided Transactions Report To generate these Reconciliation Reports on-demand, click-on the desired hyper-link. Select an Agency Name, Bank Account and set the desired Report Date. Click Submit to generate report. Reports generated will reflect both Credits & Debits, File numbers and report Totals. 36

37 Reporting Reconciliation Funds Transfer Report If your closing software permits recording File-to-File Funds Transfers, RynohLive will generate a report just of these transactions. (See RynohRecon, Book Transactions, to clear Book-Only Matches for those closing programs that do not accommodate the Funds Transfers feature.) To generate the report, click-on the Funds Transfer Report hyper-link. Select an Agency Name, Bank Account and set the desired Report Date. Click Submit to generate report. The Funds Transfer report can be used to monitor transfers between files and confirm a zero balance. There must always be an offsetting Debit and Credit totaling the exact amount and both must be recorded with the same date (Month/Year). Funds Transfers must zero-out within the same Bank Period or Reconciliation Reports will not be in balance. 37

38 Reporting Reconciliation Bank Statement Report The Bank Statement Report provides a listing of all bank transactions downloaded from online banking in a format similar to a paper bank statement. To generate the report, click-on the Bank Statement Report hyper-link. Select an Agency Name, Bank Account and set the desired Report Date. Click Submit to generate report. The Bank Statement Report can be used to verify period totals against your paper bank statement. Customized date ranges can be used for comparison if your Bank does not maintain consistent period end dates. The Bank Statement Report can also be included when submitting monthly reconciliation reports utilizing the Underwriter Submission feature. 38

39 Reporting Reconciliation Reconciliation Analysis Report The Reconciliation Analysis Report provides a summary analysis of the key areas of your account that must be monitored. This report will assist you in complying with Best Practices, Underwriter requirements and avoiding Escrow Law violations. The report easily identifies issues that must be researched and resolved and can be set-up to be automatically ed to designated recipients through Report Notifications. To generate the report, click-on the Reconciliation Analysis Report hyper-link. Select an Agency Name, Bank Account and set the desired Report Date. Click Submit to generate report. Any Negative File Balance is considered a violation and must be researched and immediately resolved either by correcting posting errors or funding the file. Outstanding Deposits any deposits outstanding for more than three (3) business days of the period-end being reconciled, should be researched. Outstanding Check reports can be generated for a specific time-period by clicking on the # Total of items. The report can then be printed, ed or exported to a spreadsheet. All outstanding checks over 90 days should be researched and re-issued if necessary. Files with Retained Funds use to confirm escrow funds being held or identify those files with overages that need to be disbursed back to the owner of the funds. 39

40 Reporting Reconciliation Underwriter Monthly Reconciliation Report Submission Note: This feature is only available to those users who have been granted Management Privileges Monthly reconciliation reports can be automatically submitted to a selected Underwriter on a designated business day of the month up to the 14 th business day after the month-end. To set-up this feature, click-on the Underwriter Submission link and then click-on Add Address. Select your Underwriter name from the first drop-down box. Only those Underwriters you have added under the RynohAdmin Tab, Company Profile will be displayed and available to select. If the desired address is not available, manually enter an address in the next blank field. Redacted View selection is uncommon as generally Underwriters require the ability to see Payee names for audit purposes. Report Layout Reconciliation Report with Details automatically includes the Three Way Reconciliation Summary with Trial Balance and will display a list of additional reports to choose. Place a check mark next to each report to be included with submission. Note: Selecting Reconciliation Report is uncommon and provides a general summary only no reports. Submission Due enter the business day after month-end the reports are to be submitted. Valid days are 1 through 14 only. Bank Accounts by design, all active accounts are submitted with no option to individually select for a specific Underwriter. Reminder Notification indicate how many days prior to submission to receive a preview of reports to be used to verify account is in Three-Way balance and no issues exist. Recipients selected will receive a preview of reports and the final copy submitted to the Underwriter. Save after clicking-on the Save button, reports will automatically be sent to the specified Underwriter from that point forward. 40

41 Reporting Reconciliation Underwriter Monthly Reconciliation Report Submission - Continued Once reports have been scheduled for submission, a listing of the subscribers will be displayed. A blue information icon to the left of the subscriber will display modification details. Clicking on the View/Edit link will re-open the setup screen for modification. Click Remove to discontinue submission of monthly reports to subscriber. Manual Submission after setup, reports can be submitted manually for any previous reconciliation period back to the first month RynohLive began reconciling the account. Click-on the View/Edit link to open the setup screen and click-on Send Report Manually located near the bottom of the screen. Make any setup changes necessary to the One-Time Report Submission. Reconciliation Period choose a reconciliation period from the drop-down list to be submitted. Notification select a User from the drop-down list to preview the reports and who will authorize one-time submission. Place a checkmark in the box to indicate reports have been reviewed and submission authorized and Click Send Now. 41

42 Reporting Other Ledger Audit Report The Ledger Audit Report will display your File Ledger containing all transactions posted in your closing software when last updated by RynohLive (standard interval is every ten minutes). File Number - Input the File Number or a partial file number using wildcards. Entering only a wildcard indicator * or?, will return a list of all file ledgers. Bank Accounts - Choose to search All Bank Accounts or Selected Bank Accounts and click Submit Click Select next to the desired File Number. File details will appear at the top of the screen. Posted Balance Net Sum of all transactions posted Available Funds Cleared Funds available for disbursement Bank Balance Net Balance of cleared transactions Add Comment opens a text box to notate a comment that will appear on every report the File reflects a balance. invokes internal system to send Ledger Audit Report to multiple recipients and include comment. Standard View displays transactions by type with subtotals. Running Balance View displays transactions in date order with running balance. Clear-Date is displayed for each reconciled transaction. Ledger Audit Report Summary Totals displayed by type. 42

43 Reporting Other Rynoh Revenue Report The Revenue Report allows users to view total amounts disbursed to a specific payee within a given date-range. Payee Name enter name to be searched. Payee Match choose Exact name match or partial name contains. Bank Accounts Click to highlight accounts to be searched. Date Range set date range to be searched. Click Create Report to generate listing. Click the View link to display transaction details. Click on any Column Header to sort ascending or descending. Revenue Report Details can be Printed, ed or Searched by Keyword. 43

44 Reporting Other Actual Bank Statements The Actual Bank Statements feature allows you to upload a.pdf copy of your paper bank statement to your RynohLive account. Once uploaded, your bank statement will always be easily accessible to View/Print or include with the automated submission of your monthly reconciliation reports through the Underwriter Submission feature. Choose Agency Name and Bank Account, then Click Submit Any bank period completed from the first month RynohLive began reconciling your account is available to choose. Click on Upload to select bank period Uploading your bank statement is as simple as adding an attachment. Click Choose File to search for the saved.pdf filename of your statement. Once located, Double-click the filename and then click Upload. Once the statement is uploaded, return to Actual Bank Statements and click on View to display or print your statement. Ability to Reupload the statement is also now available. 44

45 Reporting Configuration Report Notifications Report Notifications provides the ability to designate recipients to receive, via , the daily updated Morning Report, Positive Pay Report or Reconciliation Analysis Report. Click Add to begin setup. Reports are updated each morning after bank transactions are downloaded from online banking. Reports - select by placing a checkmark in the appropriate selection box. Bank Accounts click to highlight the accounts for selected reports. Addresses click to highlight Rynoh users to receive selected reports. Multiple users can be selected by holding down the Ctrl Key while clicking to select. Additional addresses can be added in the blank field for other recipients. Added recipients only receive the designated report(s), & are not granted access to the company s Rynoh account. Click Add to complete setup. 45

46 Reporting Configuration Report Notifications - Continued Escrow Officer Report Notifications provides the ability to designate recipients to receive, via , the daily updated Morning Report filtered by selected Escrow Officer, Bank Account and Branch. Select Add (Filtered) to begin setup. Report is updated each morning after bank transactions are downloaded from online banking. Reports Only the Morning Report is available filtered by Escrow Officer. Choose Agency Name, Bank Account, Escrow Officer and Branch from corresponding drop-down list. Addresses click to highlight Rynoh users to receive selected reports. Multiple users can be selected by holding down the Ctrl Key while clicking to select. Additional addresses can be added in the blank field for other recipients. Added recipients only receive the designated report(s), & are not granted access to the company s Rynoh account. Click Add to complete setup. 46

47 RynohRecon provides automatic & daily three-way account reconciliation. With the RynohRecon module, users can search Bank or Book transactions, manually match transactions, run the automated reconciliation process, view reconciliation issues and finalize reconciliations. Reconcile Bank Transactions Bank Transactions provides the ability to view and search all transactions downloaded from online banking for an individual bank account or all bank accounts at the same time. Transactions can be filtered for by Today s Transactions, a specific date-range or located using customized search criteria. Any Unmatched Bank Transactions can be manually matched or remove matches. Search through an individual bank account or All bank accounts at the same time. Click Submit to display transactions Choose either Today s Transactions, Transactions by Date Range or Search Transactions. Use the Search Criteria to filter transactions to display. Additional Data will search in the Bank s description of the transaction. Match Method Filter transactions identified by how they were matched. Regular auto-reconciled by RynohLive Manual manually matched by a User Automatic Grouping matched as a group by RynohLive. Clicking-on the Details link will re-open the Matching screen. You can Match transactions, Remove a match, or re-match a transaction. 47

48 Reconcile Book Transactions Book Transactions provides users access to view or search all transactions from your closing software. This module can be utilized to search for a book transaction that is not showing up on the available book transaction list when trying to match a bank transaction. You can determine if a transaction is entered into your software, if it has a pending status in the software, or if it is matched to another (possibly incorrect) bank transaction. You could also use the Book Transactions module for transaction research purposes. Choose an Agency Name and Bank Account Search through an individual bank account or All bank accounts at the same time. Select Search Criteria to filter transactions. Click Submit to generate report. Click-on the Export Excel button to create a spreadsheet of results. Click-on the Clear Date link, to re-open the Matching Screen. You can Remove a match or re-match transactions. Click-on Create Book-Only Match to match File-to-File Funds Transfers if your closing software does not have an option. You will match the Credit book transaction with the Debit book transaction. 48

49 Reconcile Reconcile Account Reconcile Account provides users with the ability to run the automated reconciliation process on their accounts. All accounts are auto-reconciled once daily each morning when transactions are downloaded from online banking. However, you can run the automated reconciliation process on your accounts manually at any time using Reconcile Account. This feature is useful for example, after you have made book corrections corresponding to unmatched bank transactions. Click-on Reconcile Account. Choose an Agency & Bank Account. Click-on Reconcile. Screen will display completed reconciliation details. 49

50 Reconcile Reconciliation Wizard Reconciliation Wizard provides users the ability to troubleshoot any issues with the Three-way reconciliation process. The Reconciliation Wizard may be used daily to identify issues, however must be completed at month-end to close-out and finalize your reconciliation. The Reconciliation Wizard enables users to manually match their monthly Bank Statements to the balances generated through retrieval of online banking transactions. By using the Reconciliation Wizard, users are able to detect any discrepancies with unmatched Bank Transactions, Unbalanced Funds Transfers, or items manually cleared directly in the closing software rather than matching to corresponding bank transactions. Click-on the Reconciliation Wizard link. Choose an Agency Name & Bank Account. Reconcile Through - Click-on the drop-down arrow to display and select an Open Reconciliation that has not yet been finalized. Bank periods will no longer be displayed as they are finalized. Reconciliations are current and up-to-date when all that is displayed is Present. Confirm Bank Balance Compare the totals from your paper bank statement against the totals displayed from online banking: Beginning Balance, Total Credits, Total Debits and Ending Balance. Indicate either the Bank Statement Matches or the Bank Statement does not Match. This step is necessary as some banks add or remove items such as fees or errors to your monthly statement that are not shown in your online banking. 50

51 Reconcile Reconciliation Wizard - Continued If the Bank Statement totals do not match, enter the totals appearing on your paper bank statement in the appropriate fields and click Submit to notify RynohLive Support. You will be required to provide a copy of your paper bank statement as supporting documentation for any changes made to the RynohLive account. RynohLive Support will research and resolve any balance discrepancies between your paper bank statement and online banking. The Reconciliation Wizard alerts to six (6) predefined criteria: Unmatched Bank Transactions, Empty Dates in the closing software, Transactions with Incorrect dates, Force Cleared (manually cleared) transactions in closing software, Unbalanced Funds Transfers, and Inconsistent Group Transactions. Click-on any Column Header to sort transactions. Transactions can be matched using the Reconciliation Wizard, See RynohReport, Morning Report, for How To Match as well as common causes of unmatched bank transactions. These are transactions that clear the bank prior to the date used when posted in your closing software. When these dates cross-over different bank periods, reconciliation reports will be out-of-balance. Transactions with no date or an invalid date (i.e., year of 2020) will also be detected and need correction in closing software to balance your account. Force Cleared Transactions show transactions that have been cleared in the closing software manually rather than being matched to a corresponding bank transaction. It is possible that these transactions may have never cleared the bank, which could alert you to potential fraud. To resolve the issue, match to a corresponding bank transaction. If there is no corresponding bank transaction, you will have to unclear the transaction in your closing software. 51

52 Reconcile Reconciliation Wizard - Continued Unbalanced Funds Transfers are file-to-file funds transfers that do not balance within a bank period. There must be a Credit & Debit transaction for the exact amount dated within the same bank period. If your closing software provides the ability to post file-to-file funds transfers, the initial posting of the transaction will automatically create both the Debit & Credit side if recorded and used properly. Any changes to the original transfer due to a deletion, voided in different bank period, or date changed to different bank period of one-side of the transaction, will cause it to become unbalanced. Unbalanced Funds Transfers will be automatically detected and cause your reconciliations to be out-of-balance in RynohLive and must be corrected within your closing software to balance each transfer. RynohLive will display a list of Funds Transfers that will need to be analyzed to identify those that are unbalanced and need correction. Inconsistent Group Transactions shows transactions that were indicated to be deposited as a group within your closing software using Group numbers or Deposit Slips, but instead were matched individually or incorrectly. Inconsistent group transactions may also be indicated if clear dates for individual checks in a group are different. To resolve this issue, it may be necessary to re-match the group transactions correctly, or make corrections within your closing software to reflect how they actually cleared the bank. Finish (Finalize) Reconciliation Once all issues have been resolved and the Bank Balance has been confirmed, the reconciliation can now be finalized. The following Status message will be displayed: Click-on the Finish button to finalize the reconciliation. Depending on your closing software, this action is required in order for RynohLive to physically close the reconciliation period and write-back clear dates to your closing software. 52

53 RynohSecure is an available add-on RynohLive service that provides two (2) features: Secure Alerts enable the user to monitor transaction activity in the account and the Audit/Analysis Report which provides a summary of the status of one or more accounts. Secure Alerts Define Alerts Secure Alerts are pre-defined alerts that can be customized with specific criteria and parameters to monitor transaction activity in your account. Click-on Define Alerts and then Add to setup alerts. The following pre-defined alerts can be customized to monitor transaction activity in the account. Depending on the alert selected, provides the ability to detect potential fraud, violations, incorrect posting procedures, etc. 53

54 Secure Alerts Define Alerts - Continued To Add an Alert, click-on the desired button selector and click-on Select Enter the desired parameters in the blank fields to customize the selected Alert and then click-on Save Active Alerts can be Viewed, Edited or Removed. Hovering the mouse pointer over the information icon, will display the User who most recently modified the alert. Active Alerts can be viewed on-demand by clicking on the View Alerts link. Alert results can be filtered or grouped by the Alert Options. Click View to display results All Files containing transactions or balance meeting the Alert criteria will be displayed. Click on the File Number to activate the Ledger Audit Report. 54

55 Secure Alerts Notifications Notifications allows users to view, edit, add, or remove the current addresses to which the report notifications are being sent. Click-on Add Address to add a recipient for notifications. Select an existing User or enter a new address. Click to highlight the desired Companies. Click to highlight the desired Alerts to be received. Choose desired grouping and click on Save 55

56 Audit/Analysis Report Report Setup Audit/Analysis Report provides a summary of the status of one or more accounts based on report component parameters you indicate. Customize report components by clicking-on Setup and then Add. Enter the desired parameters that will indicate when there is an issue with the specific component. 56

57 Audit/Analysis Report View Report Click the View Report link to display the Audit/Analysis Report. Choose to view accounts for all Agencies or and individual Agency. Data Source allows you to choose to view the most recent archived data or Live data. Live data may take a moment to generate based on the number of accounts selected for viewing. Click View to generate the report. The search bar at the top of the screen enables the user to Search by Agency Name or filter results by red or green lights and Account Status. A Red X indicates an issue with that component of the report. You can click on any indicator to view component results. Click-on the File Number to display the Ledger Audit Report. 57

58 Audit/Analysis Report Report Notifications Report Notifications allows a user to view, edit or change notification on existing recipients, or remove to delete recipient. Click Add Address to add a recipient to the Audit/Analysis Report notifications. Address - Choose an existing User or add a new address. Notification Trigger Choose how often to receive notifications. Starting on Set start date to begin receiving notifications. Select Agencies Click to highlight desired Agencies. Bank Accounts click to highlight desired bank accounts. Click Save to complete setup. 58

59 RynohPay is an available add-on RynohLive service that works in conjunction with your Bank s positive pay service. RynohLive will automatically transmit a file of issued and voided checks to your Bank in accordance with the bank s file update schedule. Positive Pay files can be transmitted to the bank hourly, multiple times daily or just once at end of business day; how often is dependent on how often the Bank accepts files. RynohPay hyper-links provide the ability to generate a report of transactions and transmitted positive pay files for informational purposes only. Select Today s Transactions or Transactions by Date Range Choose Agency Name & Bank Account Set a Date Range Click Submit to generate report. Positive Pay transaction details will be displayed and can be Sorted by clicking-on any column header or Searched by keyword. Pospay Sent a checkmark in this box indicates the check data has been transmitted to the Bank. Mouse over the checkmark and you can see on what date and time the file was submitted. Selecting Sent Pospay Files will display Date Sent, Record Count and provide the ability to View File. " ","reQuire, Inc."," ","3500"," " " ","Real Estate Group"," ","50000"," " " ","Real Estate Group"," ","559700"," " " ","Title & Escrow, LL"," ","170000"," " 59

60 Enterprise Version This section of the User Manual will focus specifically on the added features of the Enterprise Version. Please refer to the RynohAdmin section in pages 7-10 of this Users Manual for any other standard features. Management - Users Manage Users By clicking on any User Name, or anywhere in the user line area, the User Details screen will be displayed. User information including address, name, account status, and access can be modified in the User Details screen. 60

61 Enterprise Version Corporate Corporate Profile Corporate Profile enables account managers to view and edit corporate information, as well as add or remove underwriters and grant Underwriter Access to your RynohLive account. Underwriter Access An Underwriter can be granted access permissions to your RynohLive account (default setting is no access). The Underwriter maintains their own RynohLive account that will be used for the access if you grant permission. No Access Underwriter will not have any access to your RynohLive Account Redacted Review Can view with payee information omitted. Review Only Can view all information Review & Modify Full access view and modify report options To Add an Underwriter, click. A drop-down list of Available Underwriters to choose from will be displayed. Click to select the desired underwriter. Changes are pending until you click the Submit Changes button at the bottom of the screen. Rynoh Service - displays a checkmark to indicate an active service. This is for informational purposes only and cannot be modified by a User. Corporate Offices displays names of Corporate Offices that have been added to account. Settlement/Escrow Software displays name of closing software in-use at time of account registration. Tech Support enter IT Support contact information for person responsible for assisting in any technical issues with RynohLive account. Click-on Submit Changes to SAVE. You will be prompted to confirm and a confirmation screen will be displayed. 61

62 Enterprise Version Corporate Corporate Offices Corporate Offices allows the account manager to view and add new offices. Click anywhere on the Office Name line to activate the Office Profile screen. In the Office Profile menu, the account manager can edit the office name, address and time zone, add and edit office members, edit access to bank accounts, and monitor subsidiary company access. Make sure to click Update to save the new information before leaving the menu. To add another corporate office, simply click New Office from the Corporate Offices screen and fill in the information accordingly. 62

63 Enterprise Version Subsidiaries Subsidiary Companies Subsidiary Companies allows the account manager to view the details of each subsidiary company, and edit or remove access permissions of other account users (in this example, Acme Title is a subsidiary of Xenon Title). Subsidiary companies can be sorted alphabetically (ascending or descending) by clicking the column heading of Company Name. The icon indicates that the subsidiary is active in the RynohLive software. Click anywhere on the Company Name line to activate the Subsidiary Company Access menu. In the Subsidiary Company Access menu, the account manager can edit, remove, or add users access permissions to the subsidiary s bank accounts. Below, Guy Rynoh has Review Only privileges of the three (3) bank accounts associated with Acme Title, a subsidiary of Xenon Title. To add users, simply click and choose one or more from the list provided. NOTE: Access permissions for each user can also be assigned under Manage Users (page 60). Click to return to RynohAdmin home. 63

64 Enterprise Version Subsidiaries Subsidiary Review Subsidiary Review allows authorized users to log into the agency s RynohLive account. Select an Agency from the drop-down list and then click-on the Log In button to view Agency s RynohLive account. Click-on End Review to close and return to Corporate account screen. 64

65 Enterprise Version Subsidiaries Underwriters/Vendors Underwriters/Vendors displays Agencies and Underwriter or Vendor Access permissions granted to your RynohLive account. Information displayed can be sorted by clicking on any column header or can be filtered by Agency Name and Access Type. 65

66 Underwriter Access RynohAdmin is your User and Management Menu for your RynohLive Account. Any administrative changes and account information can be found in the RynohAdmin tab. This portion of User Manual will cover the Agency Menu items under an Underwriter s login. User Menu Please refer to the RynohAdmin section, detailed in pages 7-10 of this Users Manual. 66

67 Underwriter Version Management Menu Company Profile Company Profile allows the Underwriter to update the company s address, phone and fax numbers, time zone, state licensing, and tech support contact information. After all information has been updated, click Submit Changes to save. 67

68 Underwriter Version Subsidiary Offices Subsidiary Offices allows the underwriter to view and add new regional, state, or local subsidiary offices. The list can be sorted ascending or descending alphabetically by clicking on any one of the column titles (Office Name, Level, Office Manager, # of Agencies, Office Location, or Office Status). Click anywhere on the Subsidiary office name to view the detailed information for editing. After all information has been entered, click Update to save. 68

69 Underwriter Version Subsidiary Offices - Continued To add a new office, click the following screen will appear. Office Settings: Designate whether this office is a subsidiary of the corporate office or another subsidiary branch Select an office level (regional, state, or local) Permission place a checkmark in the box to indicate if this Office is authorized to Create Subsidiary Offices Enter general mailing and Manager contact information Regional responsibility place a checkmark in the boxes to identify which States this office has responsibility Click when finished, and to return to the home screen. 69

70 Underwriter Version Manage Users Click under, on the left hand side of the screen. Manage Users allows managing Underwriter(s) to view and edit people associated with the underwriting company who have access to the RynohLive account (to add a new user, refer to the next section). Click anywhere on the user line to activate the User Details screen. In the User Details screen, Managers can modify user s permissions, unlock the login, change a forgotten password, and manage to which agencies the individual user has access. Once changes have been made, click. The following confirmation will appear; choose, and you can then choose another user to edit, or click to return home to RynohAdmin. 70

71 Underwriter Version Add New User Click under, on the left hand side of the screen. Add New User allows the Manager to grant a new User agency access, and the opportunity to designate the user as a manager and recipient of Monthly Reconciliation Reports. Once all information has been entered, click at the bottom of the screen. The following confirmation will appear; choose. This will bring you to another confirmation page where you can choose to add another user, or exit to the RynohAdmin home screen. 71

72 Underwriter Version Edit Monthly Recon Report Recipients Click under, on the left hand side of the screen. Edit Monthly Recon Report Recipients allows the Manager to Add Recipients approved to receive the monthly three-way reconciliation reports by . In the above graphic, John Smith is approved to receive the monthly report (they can be removed from this list by checking, and then clicking ). By clicking, the following screen will generate to show all other users associated with the account; the Manager will have the opportunity to select them to receive the monthly reports, as well. Click when recipients have been designated, and to return to the RynohAdmin home screen. 72

73 Underwriter Version Agency Access Click under, on the left hand side of the screen. Agency Access provides the Underwriter a view of their current agencies, and the account access that these agencies have provided to the underwriter. On this Agency Access Management screen, the Underwriter can remove the granted access (i.e., from Redacted Review to No Access), but cannot increase access permissions. The agency s status will reflect (active) and (inactive) symbols. If an agency is inactive, they have cancelled their RynohLive account; the agency remains on the Underwriter s list of clients because archived data is still available in RynohLive for review Click on a particular agency to bring up the following Agency Profile screen. 73

74 Underwriter Version Agency Review Click under, on the left hand side of the screen. Agency Review allows the Underwriter to log into the agency s RynohLive account. This is provided under Underwriter Access (defined under RynohAdmin, Company Profile on page 18). Click-on the Log In button to view Agency s RynohLive account. Click-on End Review to close and return to Underwriter account screen. 74

75 Underwriter Version Monthly Reconciliation Registration Click under, on the left hand side of the screen. Monthly Reconciliation Registration allows the Manager to filter the recipient list of the monthly three-way reconciliation reports as well as search by Keyword. List can also be sorted by clicking on any column header. Hovering your mouse pointer over to the left of the agency name, alerts the underwriter that the agency has not yet set up monthly reconciliation report submission or displays the last modified detail. Lists agencies of the underwriter, Agent POC, Office submitted to, Report Recipient, Expected Date, Reg. Date of submission setup, as well as a View Detail link of submission setup. 75

76 Underwriter Version Monthly Reconciliation Registration - Continued Clicking on the View Detail link will display submission details: Select to retract subscription details, and to return home.. 76

77 Underwriter Version Monthly Recon Reports Archive Click under, on the left hand side of the screen. Monthly Recon Reports Archive allows the underwriter access to active and inactive agencies archived monthly three-way reconciliation reports as far back as RynohLive has been used to submit monthly reports by the agency. Note: Reports can be re-generated on-demand to reflect any changes to archived reports, through Agency Review. Once an agency and date range are selected, each bank account and recipient of the report associated with the agency will be listed. Click for details of the three-way reconciliation. Click to return to the Archive home screen, and again to return to the RynohAdmin home. 77

78 Client Services Contact Information RYNOHLIVE TOLL FREE: (877) GO RYNOH or (877) Trouble Call Hotline: Client Support Direct Line/Extension Product RynohLive Product Support requests will be received by all Team members to insure a prompt response Stephanie Davis, Installation Coordinator...Stephanie.Davis@Rynoh.com New Bank Accounts, Positive Pay Setup, Vendors, Bank Balance Corrections Terry Dike, Reconciliation Specialist......Terry.Dike@Rynoh.com Reconciliation Support/Services & Training Kendra Fisher, Installation Specialist...Kendra.Fisher@Rynoh.com New Bank Accounts, Positive Pay Setup, Onboarding/Installation New Clients Tiffany Ward, Installation Specialist......Tiffany.Ward@Rynoh.com Onboarding/Installation New Clients Marketing/Sales Glen Stout, VP Marketing & Sales......Glen.Stout@Rynoh.com Jeannette Fisher, Sales Jeannette.Fisher@Rynoh.com Billing/Invoices Deborah Mazzullo, Administrative Director...Accounting@Rynoh.com

79 INDEX System Overview... 3 Getting Started... 4 Logging into RynohLive... 4 Add a Bank Account... 5,6, 15 RynohAdmin User Menu... 7 My Messages... 7 My Profile... 8 My Company... 9 Change Password Management Menu Manage Users... 11, 60 Unlock User Account Add New User... 12, 70 Manage Bank Accounts Add New Bank Account Edit Logins Corporate Offices Subsidiary Companies Corporate Profile Underwriter Access, Grant Permission... 18, 61 Recent Request Rynoh Adaptor Service, Connectivity.21 RynohPay Positive Pay Menu Positive Pay Transactions Sent Pospay Files RynohRecon Reconcile Menu Bank Transactions Book Transactions Reconcile Account Reconciliation Wizard RynohTrax Tracking Menu Alert Criteria View Alerts Alerts, Recommended..25 RynohReport Reporting Menu Morning Report User Defined Alerts Reconcile Alerts Positive Pay Report, Standalone Solution Three Way Reconciliation Report Cleared Transactions Report Outstanding Transactions Report Funds Transfer Report Bank Statement Report Actual Bank Statements, Upload Underwriter Submission Ledger Audit Report Revenue Report Report Notifications Report Notifications, Escrow Officer (Filtered) RynohSecure Secure Menu Secure Alerts Define Alerts View Alerts, Secure Notifications, Secure Alerts Audit/Analysis Report Menu Report Setup View Report Report Notifications, Audit/Analysis ENTERPRISE VERSION Management Menu Manage Users Corporate Profile Corporate Offices Subsidiary Companies Subsidiary Review Underwriters/Vendors UNDERWRITER VERSION Management Menu Company Profile Subsidiary Offices Manage Users Add New User, Underwriter Access Edit Monthly Recon Report Recipients Agency Access Admin Menu Agency Review Monthly Reconciliation Registrations Monthly Recon Reports Archive Client Services Contact Information

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