Account Number on Deposit Slip

Start

Input Account number

from Deposit Slip

Is there any
pop up on
entering the
A/c No

No

Stop

Proceed to the next

Step

Process

Yes

Is the pop up
Details not
Masters

Is the pop up for

Details not in
Masters

Yes

No

Is the pop up for

Invalid /Frozen
/Trust/Closed or
Escrow A/c

No

Is the pop up
for Foreign
Currency A/c

Yes

Pull the A/c in Flex with

STSCUSAC command
and Copy IBAN from
here

Is the exchange
rate mentioned
on Deposit Slip

Is the Approval
mentioned on the
Deposit Slip

Process the cheque by

modifying the credit A/c
to suspense A/c no.
011097861345

Email to ICCS Referrals w

copy of the cheque ima

Discard

Incase of any other Pop

up,please process as
normal

Is the pop up
for Foreign
Currency A/c

Is the exchange
rate mentioned
on Deposit Slip

No

Check if Customer holds

AED A/c in Flex with
command STSCUSVW

Yes

Is the Approval
mentioned on the
Deposit Slip

Yes
Process the cheque by
modifying the credit A/c no.
to suspense A/c no.
011097861345

Email to ICCS Referrals with

copy of the cheque image

Process

Process

Yes

No

Check with
CPC if it is
normal rate

Yes

No

Discard with reason

"Approval Required"

No

Discard with reason

"Confirm Exchange Rate"

Discard with reason

"Deposit in AED A/c"

Discard with reason

"Approval Required"

Process

Claim Amount and Amount in Words/ Figure

Outward Normal

Key in batch amount

from Deposit slip on
Deposit slip screen

Start

Outward CCDM

Key in the Claim Amt.

from Image on Cheque
Image screen

h amount
it slip on
p screen

aim Amt.
n Cheque
reen

Save

Key in the Claim Amt.

from Image on Cheque
Image screen

Validate the Claim Amt.

with Amount in words &
figure on Image

Is there any
mismatch

Process the cheques

Batch similarly

Validate the Claim Amt.

with Amount in words &
figure on Image

Is there any
mismatch

No

Process the Cheque

Has the amount

been keyed in
correctly

Yes

Is there any
mismatch

Yes

No
No

Correct the Claim Amount

Is batch amount
matching with
instruments amount

Process the cheques in

Batch similarly

Yes

Yes

Has the amount

been keyed in
correctly

No

Correct the Claim Amount

Yes

Is there any
exception
mentioned on
Update Tracker

Yes

nt

re any
ption
oned on
Tracker

Is there any
exception
mentioned on
Update Tracker

Is there any
Approval on the
Deposit Slip

No

Yes

Yes

Correct Batch amount on

Deposit Slip screen

No

Process the Batch

Yes

No

Is the mismatch
clear enough to the
naked eyes

No
Refer to Supervisor / Onshore
Team

Yes

Discard with reason Amount

in Words and figure
mismatch

y
the
p

d with reason Amount

Words and figure
mismatch

No

Is the mismatch
clear enough to the
naked eyes

No
Refer to Supervisor / Onshore
Team

Yes
Stop

Yes

Discard with reason Amount

in Words and figure
mismatch

reason Amount
s and figure
smatch

Stop

Date on Cheque

In case of
Outward
Normal

Start

Go to Outward
Clearing in ICCS

Select Outward
Normal/CCDM

In case of
Outward CCDM

In case of
Outward
Normal

In case of
utward CCDM

Key in account no and

amount from Deposit slip on
Deposit slip screen

Validate the Cheque

date

Refer to Supervisor / Onshore

Team

Validate the Cheque

date

Yes

Yes

Is date
clear

No

Is any
exception on
Deposite slip
for date

Yes

Proceed to the next

Step

Stop

No

Is the date clear

enough to the
naked eyes

No

Discard with the reason

"Invalid date" Date not clear"

No

Is date
clear

Yes

No

Is it a post
date to the
current date

No

Is date is 6
month prior to
the current date

Yes

Yes

Discard with the reason

"PDC" or "Post dated
Cheque"

Stop

Yes

Is it a post
date to the
current date

No

Is date is 6
month prior to
the current date

Yes

Check Is
cheque's
validity is for
12 months

No

Check is any
revalidation for /till
date is mentioned
on the deposite slip

Yes

No

Discard with the reason

"Stale Dated Cheque"

Stop

is 6
rior to
nt date

Yes

Check Is
cheque validity
is for 12
months

Yes

No

Process the cheque with

current date

Proceed to the next

Step

Proceed to the next

Step

Stop

Stop

Stop

Start

Go to Outward
Clearing in ICCS

Select Outward
Normal/CCDM

Yes

Is Payment crediting
in Mashreq Internal
A/C

Cheque title can be Mashreq

Bank / Client Name/ Company
Name/Client Name with Account
No

No

Is Cheque title is any

other bank name
with a/c no

No

Is any approval
given on deposite
slip

Is any approval
given on deposite
slip

Is Cheque title is any

other bank name
with a/c no

Discard with the reason

"Payment for other bank".

Sto
p

In case of
Outward
Normal

Outward
al/CCDM

Key in account no from

Deposit slip on Deposit
slip screen

In case of
Outward CCDM

heque title can be Mashreq

nk / Client Name/ Company
me/Client Name with Account
No

Is Payment for Credit

Card

Yes

No

Yes

Is any approval
given on deposite
slip

Check any approval mail

received for both Outward
normal & CCDM

Is any approval
mail received for
title

Is any approval
given on deposite
slip

No

Check any approval mail

received for both Outward
normal & CCDM

No

Is any approval
mail received for
title

Is system title
matching with
deposite slip title

Yes

No

Cheque title can be

Mashreq Bank / Client
Name/ Credit card no/
Cash

Key in claim amount and

save for next step

Revalidate account no
and save for next step

Is payment crediting in
client account and
cheque title is mashreq
bank

No

Yes

Is any approval
mail received for
title

Check in update tracker for

exception of title and
indemnity approval

Is any exception
mentioned in
update tracker

Is any approval
mail received for
title

No

Check in update tracker for

exception of title and
indemnity approval

No

Is any exception
mentioned in
update tracker

Is cheque title
matching with
system title

Verify cheque title with

system title

aim amount and

for next step

date account no
ve for next step

g in
d
req

No

Check CCRD Stamp on Cheque and

Drawer name matching with payee
name

Yes

Check approval on
deposite slip for Outward
Normal

Yes

Is any exception
mentioned in
update tracker

Check for exception in

STSCUSAC ChangeLog and
STSCIF Text fields

Is any exception
mentioned in
update tracker

No

Check for exception in

STSCUSAC ChangeLog and
STSCIF Text fields

Is cheque title
matching with
system title

Yes

Proceed to the next

Step

heck approval on
site slip for Outward
Normal

Yes

Is any exception
mentioned in STSCUSAC
and STSCIF

Check Customer
Category

Is any exception
mentioned in STSCUSAC
and STSCIF

No

Check Customer
Category

Yes

Is onshore decision
is Pass

Send mail for approval to

onshore team

Yes

Check Customer
Category

Is it
Corporate/SME
Medium/Gold/Priv
ate

Check Customer
Category

Is it
Corporate/SME
Medium/Gold/Priv
ate

Stop

Discard with the reason Tiitle

differ /title incomplete

No

No

MICR for Outward and CCDM

In case of
Outward Normal

Star
t

Go to Outward
Clearing in ICCS

Select
Outward
Normal/CCDM

In case of
Outward CCDM

In case of
Outward Normal

In case of
Outward CCDM

Key in account no and

amount from Deposit slip
on Deposit slip screen

Verify Cheque MICR

line

Verify Cheque MICR line

MICR line

Yes

No

Is MICR line
Clearly Visible

Is any exception
given on
Deposite slip

Yes

Check Is M
line as per
standar

No

Stop

Discard with the reason

"MICR not clear"

No

Is MICR line
Clearly
Visible

Yes

Check Is M
line as per
standar

Yes

Check Is MICR
line as per UAE
standard

Validate Cheque MICR

with System MICR

Is there any
mismatch in
MICR

No

Discard with the reason

"MICR not as per UAE
Standard"

Stop

No

Check Is MICR
line as per UAE
standard

Yes

Validate Cheque MICR

with System MICR

Is there any
mismatch in
MICR

No

Is there any
mismatch in
MICR

Yes

Ractify MICR as per

Cheque MICR line

Yes

Is there any
mismatch in
MICR

No

Proceed to the next

Step

Stop

Start

Login to ICCS

Go to Outward
Tab

Select Outward
Normal

Select Outward
Normal

Input Account number

from Deposit Slip

Is there any
pop up on
entering the
A/c No

No

Yes

Is the pop up for

Details not in
Masters

Yes

Pull the A/c in Fle

with STSCUSAC
command and Co
IBAN from here

No

Is the pop up for

Invalid /Frozen
/Trust/Closed or
Escrow A/c

No

No

Is the pop up
for Foreign
Currency A/c

Yes

Is the exchange
rate mentioned
on Deposit Slip

Yes

No

Check if
AED A
comm

Is the Approval
mentioned on the
Deposit Slip

Yes
Process the cheque by
modifying the credit A/c
no. to suspense A/c no.
011097861345

Email to ICCS Referrals

with copy of the cheque
image

No

Proceed to the next

Step

Pull the A/c in Flex

with STSCUSAC
command and Copy
IBAN from here

Incase of any other

Pop up,please process
as normal

No

Check if Customer holds

AED A/c in Flex with
command STSCUSVW

Yes

Discard with reason

"Confirm Exchange
Rate"

Discard with reason

"Deposit in AED A/c"

Check with
CPC if it is
normal rate

Yes

Discard

No

Discard with reason

"Approval Required"

Key in batch amount

from Deposit slip on
Deposit slip screen

Save
Key in the Claim Amt.
from Image on Cheque
Image screen

Validate the Claim Amt.

with Amount in words &
figure on Image

Is there any
mismatch

Yes

Has the amount

been keyed in
correctly

Yes

Is there any
exception
mentioned on
Update Tracker

No

Correct the Claim Amount

Is there any
exception
mentioned on
Update Tracker

No

Is there any
Approval on the
Deposit Slip

No

Is the mismatch
clear enough to
the naked eyes

Yes
Discard with reason Amount
in Words and figure
mismatch

No

Refer to Supervisor / Onshore

Team

rect the Claim Amount

Proceed to the next

Step

Correct Batch amount

on Deposit Slip screen

Is batch amount
matching with
instruments
amount

Process the cheques in

Batch similarly

r to Supervisor / Onshore
Team