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Digital
Transaction Management
for Credit Unions

Digital
Transaction Management
for Credit Unions

IMM eSign+

Beyond eSignatures, Digital Transaction Management.

For Credit Unions with advanced digital transformation initiatives, IMM offers a powerful digital transaction platform that digitally connects the front office/consumer experience to the subsequent back-office processes in a comprehensive, “end to end” environment. For your Digital Transaction Management needs, we’d like to introduce you to IMMeSign+.

With IMMeSign+you get the same front-end eSignature capabilities afforded in our enterprise eSignature platform, IMMeSign. But with an added business rules-based workflow technology that allows you to control and enforce critical operational processes and tasks to occur in accordance with your Credit Union’s established policies and procedures. With eSign+you define the business rules for your specific processing requirements, with flexibility and ease. Enhance compliance, boost productivity and drive organizational efficiency with our unique business-rules driven digital transaction management platform.

Automated Routing

Automated Routing

With business rules-based routing, eSign+ moves each task to the right person or department, at the right point in time in conjunction with your standard operating procedures.

Alert & Email Notifications

Alert & Email Notifications

As tasks are moved to an individual or department, email notices and alerts can be delivered to the recipient to keep the process or operation moving efficiently across the back office.

Enforce Procedures

Enforce Procedures

The rules-based workflow engine allows the Credit Union to configure each task and the actions that can be taken by each employee at each task. This makes sure all activities occur within the scope of your standard operating procedures.

Eliminate Errors

Eliminate Errors

The rules-based task management acts as a check-list, making sure one task is completed before moving the case to the next step. This ensures that no actions or tasks can be forgotten or overlooked.

Enhanced Audit Trail

Enhanced Audit Trail

eSign+ creates an operational audit trail that captures all actions taken during the process, by whom and date/time. This provides documentation that your standard operating procedures are being followed at all times.

Automated Archival

Automated Archival

With eSign+, business rules can be created that control specifically when the archival of the completed session documents are moved to your imaging system. You can define any number of post-signing, pre-archival tasks to be performed based upon your specific business needs.

IMM eSign+

Beyond eSignatures, Digital Transaction Management.

IMM’s flagship eSignature platform, IMM eSign, is used by hundreds of Credit Unions to power millions of “end-to-end” electronic transactions every month. Interfacing with virtually every business system used across the Credit Union today, IMM provides an easy-to-use, eSignature experience for members, while significantly transforming internal business processes and the way transactions flow across your institution.

Automated Routing

Automated Routing

With business rules-based routing, eSign+ moves each task to the right person or department, at the right point in time in conjunction with your standard operating procedures.

Alert & Email Notifications

Alert & Email Notifications

As tasks are moved to an individual or department, email notices and alerts can be delivered to the recipient to keep the process or operation moving efficiently across the back office.

Enforce Procedures

Enforce Procedures

The rules-based workflow engine allows the Credit Union to configure each task and the actions that can be taken by each employee at each task. This makes sure all activities occur within the scope of your standard operating procedures.

Eliminate Errors

Eliminate Errors

The rules-based task management acts as a check-list, making sure one task is completed before moving the case to the next step. This ensures that no actions or tasks can be forgotten or overlooked.

Enhanced Audit Trail

Enhanced Audit Trail

eSign+ creates an operational audit trail that captures all actions taken during the process, by whom and date/time. This provides documentation that your standard operating procedures are being followed at all times.

Automated Archival

Automated Archival

With eSign+, business rules can be created that control specifically when the archival of the completed session documents are moved to your imaging system. You can define any number of post-signing, pre-archival tasks to be performed based upon your specific business needs.

Now More than Ever, you need Digital Tranformation

Digital Transformation is a strategic initiative that is rapidly growing in importance to the modern financial institution. Driven largely by elevated consumer expectations set by online retailers, today’s savvy consumers expect to conduct credit union transactions with the same ease and online experiences that they are used to with Amazon, as an example.

 

But true digital transformation doesn’t stop with just the front office experience – rather its a much broader concept of connecting the digital front office aspect of a transaction directly and digitally to the back-office processes. It’s about managing the transaction across the subsequent operational tasks with the same relative digital-ease that began with the consumer side of the transaction, creating a comprehensive, end-to-end digital transaction lifecycle.

 

Empower your digital initiatives with the advanced eSignatures and Digital Transaction Management solutions from IMM.

Digital Transformation

Now More than Ever, you need Digital Transformation

Digital Transformation is a strategic initiative that is rapidly growing in importance to the modern financial institution. Driven largely by elevated consumer expectations set by online retailers, today’s savvy consumers expect to conduct credit union transactions with the same ease and online experiences that they are used to with Amazon, as an example.

 

But true digital transformation doesn’t stop with just the front office experience – rather its a much broader concept of connecting the digital front office aspect of a transaction directly and digitally to the back-office processes. It’s about managing the transaction across the subsequent operational tasks with the same relative digital-ease that began with the consumer side of the transaction, creating a comprehensive, end-to-end digital transaction lifecycle.

 

Empower your digital initiatives with the advanced eSignatures and Digital Transaction Management solutions from IMM.

Follow the eSignature Flow.

No other eSignature solution provides a more seamless and fluid user experience for your employees facilitating and managing eSignature transactions. With a smooth as silk movement of the documents from your business systems into a fully prepared eSign transaction, IMM eSign makes it simple and easy – as it should be!

 

What happens at each step along the way? Well let’s show you:

1

Business System

Use any business system across your enterprise to initiate the digital business transaction.

2

eDocument

Our technology automatically prepares documents for eSigning. No tagging, or drag/drop setup is required.

3

Pre eSign Tasks

Automatically route the transaction package to the appropriate staff for reviews or approvals prior to the signing event.

4

eSign

Native In-Person or Remote Signing options provide consumers with simplicity and convenience.

5

Post eSign Tasks

Route, based upon business rules, to staff to perform downstream business tasks.

6

eArchive

Signed documents and audit trails are indexed and stored into Imaging/ECM to complete the digital lifecycle.

Follow the eSignature Flow.

No other eSignature solution provides a more seamless and fluid user experience for your employees facilitating and managing eSignature transactions. With a smooth as silk movement of the documents from your business systems into a fully prepared eSign transaction, IMM eSign makes it simple and easy – as it should be!

 

What happens at each step along the way? Well let’s show you:

1

Business System

Use any business system across your enterprise to initiate the digital business transaction.

2

eDocument

Our technology automatically prepares documents for eSigning. No tagging, or drag/drop setup is required.

3

Pre eSign Tasks

Automatically route the transaction package to the appropriate staff for reviews or approvals prior to the signing event.

4

eSign

Native In-Person or Remote Signing options provide consumers with simplicity and convenience.

5

Post eSign Tasks

Route, based upon business rules, to staff to perform downstream business tasks.

6

eArchive

Signed documents and audit trails are indexed and stored into Imaging/ECM to complete the digital lifecycle.

Seeing is Believing.

Over a thousand Financial Institutions have chosen IMMeSign to be their eSignature and Digital Transaction Management solution of choice. Allow us to share a moment with you so you can see for yourself why IMMeSign is simply the best solution for financial institutions. We love sharing our solution story and would be happy to give your team a personalized demonstration at your convenience.

Seeing is Believing.

Over a thousand Financial Institutions have chosen IMMeSign to be their eSignature and Digital Transaction Management solution of choice. Allow us to share a moment with you so you can see for yourself why IMMeSign is simply the best solution for financial institutions. We love sharing our solution story and would be happy to give your team a personalized demonstration at your convenience.

Frequently Asked Questions

Do IMM’s eSignature solutions integrate with our core/host system?

IMM’s eSignature solutions are directly integrated with core/host systems from many financial industry software packages, including new account and loan origination systems. This makes it easy for your employees to initiate eSignature transactions with minimal manual effort. It also dramatically minimizes the opportunity for employee error since signature fields no longer have to be “drag and dropped” onto the documents, nor do specific signers need to be assigned to signature fields. Our enterprise-level eSignature platform does all the setup work seamlessly – and in real-time.

 

Additionally, our eSignature technology contains an “out-of-the-box” integration capability to accommodate documents from systems that do not have established technology integrations with our platform. The IMM Virtual Printer allows virtually any document to be “printed” to our platform where the eSignature transaction is initiated. Documents “printed” to the IMM virtual printer are then analyzed against a series of user-defined templates to automate and streamline document setup and eSignature processing rules.

Our institution is interested in eSignatures. What devices do you support for consumers to use to eSign their documents?

Our eSignature solution, IMM eSign (formerly known as TotaleAtlas), provides for both in-person as well as remote (cloud-based) electronic signature capabilities. For In-Person signing, consumers can sign documents using traditional signature pads, tablet devices (iOS and Windows-based tablets), touch-enabled monitors, and even standard desktop PCs using our “Type to Sign” technology. For remote signing, virtually any device, using any operating system (including smartphones) can be used to view and eSign documents remotely.

Can you support having both in-person signatures and remote signatures used when there are multiple signers on a transaction?

Absolutely. IMM eSign supports what we refer to as a “blended” signature. This delivers the ultimate consumer convenience options. With blended signatures, one borrower (for example) can sign in person, and then the co-borrower can sign remotely. Both individual signature types are applied to the same source documents and all audit controls are maintained across each individual signature ceremony. Note: IMM also supports both parties signing in-person, or both parties signing remotely. Blended signatures are just one more value-added option provided by IMM’s unique eSignature technology.

How do our completed (eSigned) documents get stored in our Imaging/ECM system?

All completed documents and their associated audit files are generated in fully-indexed and encrypted, industry-standard PDF file formats, and seamlessly filed into your Imaging/ECM system. This means that the items are easily stored without manual scanning or indexing. By storing in native PDF format, it also means that you can view the documents easily using your Imaging solutions native document viewing technology.

What Imaging/ECM solutions do you support for the archival interface?

IMM’s archiving interface supports storing of fully-indexed PDFs into virtually any Imaging/ECM solution that is used in the financial services industry. With hundreds and hundreds of Banks and Credit Unions using our solutions, we’ve most likely already interfaced to the system being used at your Institution.

Are eSignatures Legal?

In a short answer, Yes. Both UETA and the ESIGN acts provide the governing legislation that draws parity and legal equality for electronically executed documents/contracts to their traditional paper counterparts. Since these acts went into effect in 1999 and 2000, millions of electronic contracts, agreements, and business transactions have been signed using electronic signature technology. Throughout this period, the court system has upheld the legality of these electronic transactions providing they follow the guidelines set forth by UETA and ESIGN.

IMM”s eSign solutions are fully compliant and align specifically with the legal guidelines of these important congressional acts.

What benefits can we expect to gain by implementing eSignatures?

Our clients have expressed a multitude of benefits and efficiency gains they have experienced, many are similar across a variety of organizations while others might be unique as they are applied to specific business challenges.

In general, you can expect to elevate the consumer experience, making it fast, easy and convenient for consumers to complete critical business transactions, documents, and forms – when and where it’s most comfortable for them. While driving substantial convenience and expediency to transaction processing – this is not achieved by sacrificing important security considerations. All transactions are as secure and legally enforceable as they are intuitive and pleasant for the consumer.

You will also note substantial gains in operational efficiency as transactions will be completed much faster and in accordance with your established operating policies and procedures. Compliance initiatives are achieved through audit trails and transactional rules-based controls. And when viewed in combination, the aggregate of back-office process transformation will ultimately reduce operating costs. These are just highlights of some of the back-office transformation you can expect to gain when introducing eSignatures into your organizational culture.

How does IMM eSign support ``Demonstrable Consent``?

One of the most challenging and misunderstood elements of the ESIGN act – is the area referred to as “demonstrable consent”. Many compliance officers and team members may ask questions about how an eSign solution provides or fulfills demonstrable consent. In order to facilitate a comprehensive understanding of how IMMeSIgn addresses demonstrable consent, we’ve prepared a special digital white paper for you and your team. You can access and view the white paper by selecting the link below.

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