Daily change log

*Only includes dates when external facing changes were made.

4/5/2024:

• Filter behavior changes in ACH File Posting Validation dashboard to improve performance
• Sleek new NACHA ACH Reporting Dashboard

2/28/2024:

• updated SFD documentation regarding host login
• published new documentation for ACH File Posting Detail

2/22/2024:

• Fixed an issue where SAR batch filing failed when the amounts were zero.

2/21/2024:

• Added the ability for Operations to stop payment to a vendor once dispute has been researched.

2/20/2024:

• Ensured linked DDA accounts on a secured charge card cannot be closed even if the balance is 0, unless the linked card account is closed.

2/15/2024:

• Added Extended due diligence capabilities to customers. Now a fintech can send additional information about a customer, which will be used for customer risk scoring. This information will also be displayed on Synctera console.
• Ensured interest rate is showing on the console for all account types.

2/14/2024:

• Ensured credit limit is shown on the console account list for unsecured charge cards too.

2/13/2024:

• Fixed an issue where transaction review case was not linking to the right transaction
• Removed snapshots menu on the left nav for users who do not have appropriate permissions.

2/12/2024:

• Added the ability to reverse dispute chargeback action.
• Ensured the company name mentioned on return file is not the fintech name but the actual business name.
• Added validation for dispute life cycle checks to ensure we meet mastercard requirements.
• We now support tiered interest rates for fintechs who are configured for the same.

2/2/2024:

• Added the ability to view recent transactions on the account, while investigating AML cases.
• Added the ability to have multiple fees and rewards internal accounts.

2/1/2024:

• Created encrypted T-1099 for interest tax filing and shared with Fintechs.

1/31/2024:

• Cleaned up some ACH error messages
• Ensured case status shows up prominently on cases list view.

1/30/2024:

• Made a fix to ensure the card hold is released if the external card transfer request timed out.

1/24/2024:

• Added the ability to do ongoing monitoring of customers of fintechs who are doing KYC / KYB outside synctera.
• Added a fix to ensure the ongoing monitoring records match the customer records especially when customer details change after enrollment.

1/15/2024:

• Handling past due correctly, for cases where credit account got a refund / return that adjusted the balance.

1/12/2024:

• Fixed an issue where some fintechs were not able to download document templates.

1/11/2024:

• Fix to ensure we mark the status of remote check deposit transactions as failed, if they fail fraud checks.

1/9/2024:

• Added a new tooltip next to account status which indicates when an account will display past due or delinquent

1/8/2024:

• Check image formats that are not accepted on check submission, will no longer be accepted while uploading the image. The image has to be of PNG, JPEG, or TIFF formats.
• Changes made to ensure fintech-defined 3DS real-time decision gateways for 3DS decisions

1/5/2024:

• Added a new property days_past_due to account response to display the number of days the payment of the account is overdue.

1/3/2024:

• Fixed an issue to ensure wire transactions show the originator account and name information in the transactions UI

12/29/2023:

• All fintech customers are now enrolled on their tenants Socure key rather than the bank-level key

12/22/2023:

• In the account filter options, the delinquent option was mislabeled as suspend. It is also sorted now

12/21/2023:

• For fintechs using AFT / OCT, we want to allow creation of cards that have already been added for a given customer and not count them towards their weekly/monthly limits.

12/19/2023:

• When creating document in the Synctera platform, any that contain PII must be encrypted. This includes all documents on the following types - Address Verification, Date of birth Verification, Check image, Compliance report, Financial file, Identity Documentation, Income Documentation

12/18/2023:

• Relaxed duplicate External Card check in sandbox to make testing less cumbersome.

12/14/2023:

• Added UI capability to make it easier for Synctera Operations to handle payments that land in suspense

12/12/2023:

• Updated Secure File Delivery FAQ
• Added Account-Centric Transaction Reporting feature to Synctera Insights

11/28/2023:

• Updated filters on Insights Program Executive Overview

11/22/2023:

• Made a number of improvements to the Insights My Data Dashboard
  • Improved load times of each of the questions/report cards
  • tidied up/removed some extraneous reference columns

11/21/2023:

• Improved the overall performance of Synctera Insights, our world class reporting and self-service analytics tool
• Improved the behavior of the Partner filter in Insights My Data Dashboard

11/20/2023:

• Changes to filter based on subtypes for Canadian EFT transactions

11/19/2023:

• Changes to be able to force post Canadian EFT transactions

11/17/2023:

• Ensured that Risk and Compliance OPS team can filter KYC / KYB cases that have to be actioned by them

11/15/2023:

• Added the ability for fintechs to choose only to verify ZIP code as part of address verification for card fulfillment.

11/14/2023:

• Added the ability to link Synctera powered fintech accounts via Plaid. Fintech cusotmers can get their fintech accounts linked to other third party apps after authentication (e.g Venmo)

11/8/2023:

• Added the ability to specify SIN while creating canadian customer via Synctera console.

11/6/2023:

• As part of setting offline pin, added the ability to reveal pin only for certain card products

11/3/2023:

• Added check OCR and Risk details of the scanned check, on Synctera console
• Prevented changing of status for declined digital wallet tokens

11/1/2023:

• Enabled editing of the "Date Reported by Customer" field in dispute cases

10/31/2023:

• Enhanced case email notifications to indicate which party made the change and also preventing the email from being sent to the same organization that made the change.

10/30/2023:

• Added validations to ensure that all fintechs have to specify a managing person and also acknowledge the beneficiary owner certification, for KYB to be successful.
• Added a new field on account to indicate payment recieved month to date so that the fintech can keep track of payments recieved till date in the billing period.
• Fixed a few issues in credit furnishment to ensure accurate account open date and highest balance was recorded.
• Added the ability to ensure a delinquent credit account is able to transact again when payments are made against the account.

10/29/2023:

• Added the ability to sort and filter by case status, on Synctera console
• Re-introduced 'updated at' column to the customer list view so that fintechs can sort by that column to see the most recently updated customer.

10/28/2023:

• Fixed an issue that was causing database locks, mainly for cusotmers who use a single pool account to fund all transactions

10/27/2023:

• Published the first version of Insights FAQs
• Ensured that external card transfer synchronous responses will include network decline details when available.

10/26/2023:

• Fixed issues with Currency Transaction Report to avoid report from being generated when there are cash transactions for less than $10k, and also fixed an issue with effective dates in CTR

10/25/2023:

• Included available_balance in our End of Day Reporting, in My Data and Secure File Delivery
• Improved support for account_relationship reporting in My Data
• Fixed performance issue while updating cases

10/24/2023:

• Balance history API has been enhanced to also include available balance

10/23/2023:

• Added a way to bulk close AML cases for operations.
• Added the ability for Synctera operations to release hold on card transactions
• Added the ability to process bulk wire files from banks.
• Added additional restrictions for external card additions - cusotmers cannot add more than 2 cards in 7 days or more than 5 cards in a 30 day period.
• Ensured that users get warned about unsaved changes while editing Fintech profile form.

10/19/2023:

• Fixed an issue were adding accounts using Finicity was failing.

10/18/2023:

• Fixed an issue where when an account is closed, the final statement wasn't generated.
• Fixed an issue where the BSA tracking ID for SARs that were filed, was not saved.

10/17/2023:

• Added the ability for certain fintechs to offer offline PIN in their cards. If a Fintech uses this, their end customer has to set a PIN at the time of ordering the card and that PIN will be coded in the card chip.
• Added the ability to handle some one off cash order tranasctions that came in.

10/16/2023:

• Fixed a configuration issue for fintechs who use finicity for aggregation

10/15/2023:

• Created End of day available balance report for Fintechs who would like to use that for reconciliation at their end.
• Fixed a bug to ensure tranasctions are marked as deleted if the hold is declined.

10/13/2023:

• Credit_score_id is added to application v1 for credit applications so fintech can link credit score id(s) to the application when a credit application decision process uses credit scores

10/11/2023:

• Fixed an issue to ensure CTRs are being generated correctly, considering differences in posting vs effective dates.

10/10/2023:

• Fix to ensure a bank user can see & filter for transactions for all fintechs under the bank, on Synctera console.

10/6/2023:

• Fix to ensure we return the name of the financial institution, if the account was linked using Plaid Microdeposit feature.

10/5/2023:

• Change to use fed timezone (EST) for outgoing wire date and time

10/3/2023:

• Added new Personal ID types to support more national IDs.

9/28/2023:

• Added the ability to create a bulk card order for the fintechs that it applies to.

9/27/2023:

• Allowed linking of Saving account as a security for charge secured account, along with current supporte list of checking, LoC or another charge secured account.

9/25/2023:

• Changes related to Canadian sandbox.
• Added adverse action to support Reg B (Equal Credit Opportunity Act) and FCRA (Fair Credit Reporting Act) for Credit accounts.
• Added more Personal ID types to support customers from other countries.

9/22/2023:

• Added a timestamp to indicate when a PIN was set.

9/21/2023:

• Added Area of use restrictions to ensure Fintech customers are from countries that are approved by their bank.

9/19/2023:

• Added a 'Solution' section to Company profile page, to capture more details about fintech solution.

9/18/2023:

• Fixed a bug where balances were being updated for information only hold transactions.

9/15/2023:

• Fix to ensure proper creation of Cash Transaction report.
• Added the ability to get cards by bar code to support unnamed prepaid card use cases
• Added fine grained controls on transactions based on account statuses.

9/14/2023:

• AML case enhancements
• Added more forms to be submitted as part of Fintech onboarding

9/12/2023:

• Performance fixes on interest calculation

9/8/2023:

• Ensured running balance calculation is correct when there are temporary holds

9/1/2023:

• When a transfer is initiated and or received by an account owned by a Business, the Business name is not displayed on the console.

8/31/2023:

• Added the ability for new Fintechs to submit their post launch due diligence materials using Synctera Fintech Profile form.
• Added the ability for fintechs to get webhook notifications when future dated incoming ACHs are recieved on their accounts.

8/29/2023:

• Made changes to support canadian account number formats.
• Added the ability for Fintechs to see their sponsor bank account transactions on Synctera console.

8/25/2023:

• We now display the external data attached to a transaction, on Synctera console to provide additional information to payment operations team.
• Fixed an issue where synctera users were not able to take actions on specific Fintech profiles.
• Related cases are now displayed in transaction details. This is particularly helpful if there are fraud cases linked to the transaction.

8/24/2023:

• Fixed an issue with updating account relationships

8/23/2023:

• Added an indicator to indicate if a transaction was force posted, on Synctera console.

8/22/2023:

• Adding country to sign up to support non-US customer signups

8/21/2023:

• Fixed a few issues related to interest calculations when backdated transactions exist on the account or when month end falls on weekends
• Added the ability for Fintechs to add their Operational / Reserve accounts they hold at their sponsor banks, so that they can see those balances on Synctera console
• Modified personal / business cusotmer addresses to accept Candian postal codes.
• Fixed an issue due to which duplicate rows were showing up on upcoming SAR list.

8/18/2023:

• Added new card shipping methods such as International_Ground, International_Priority, Local_priority

8/17/2023:

• Improved transaction API performance.
• UI tooltip to indicate what permissions are needed to edit legal address
• Show both deposit amount and OCR amount on the UI, for remote check deposits.

8/16/2023:

• Added the ability to fetch multiple external accounts at once
• Ensure that we can return a wire which as an incorrect address.

8/14/2023:

• Fixed an issue where STATEMENT.CREATED events were not including the right resource_id for the created statement

8/11/2023:

• Added the ability to cancel a wire by patching the wire

7/27/2023:

• Published first version of Data Mutability Guide, to help Data Customers understand which data attributes are subject to change

7/26/2023:

• Launched Case Resolution Overview to help banks and fintechs understand case volume and disposition,

7/20/2023:

• Enhanced address parsing validations for incoming wires to support non-US addresses as well.

7/19/2023:

• Added a fix to ensure applications work for businesses.
• Added a fix to ensure Mastercard network fees are posted correctly
• Added a tab to show related KYB / KYC cases in applications view

7/18/2023:

• Ensured correct decline reason is populated while declining a hold transaction.
• Added new query params to control whether to show child transactions and/or jit transactions, or not.

7/14/2023:

• Added a way to batch SAR files to reduce manual effort.
• Added End of Day Account Balance Reporting to My Data
• Updated Insights Documentation
  • Self-Guided Education Curriculum
  • Updated Entity Relationship Diagram (ERD) for My Data

7/13/2023:

• Fixed an issue where mastercard currency conversion rates had to be considered for cross currency transactions.
• Temporarily paused expedited fulfillment of cards
• Made a fix to ensure card refunds go through even if the card is suspended or terminated.

7/12/2023:

• Fixed an issue where SAR generation failed if there were many transactions.

7/11/2023:

• Added Business Name to SAR list UI
• Fix to ensure deleted SARs are not considered while creating upcoming SAR list
• Fix to ensure we traverse the relationships of the business to check if there an individual who owns the business.

7/7/2023:

• Fixed an isue to ensure prior BSA number is fetched correctly while filing SAR
• Added ability to verify if a business owner owns the business account.

7/6/2023:

• Fixed an issue where some upcoming SARs where missing

7/3/2023:

• Fix to ensure SAR amounts are rounded up

6/29/2023:

• Fixed an issue where ACH details were being lost on patching an external account that was linked using microdeposits.

6/28/2023:

• You can now download profile detail in PDF format for Fintechs who are in due diligence phase

6/26/2023:

• Ensured that wires are declined if any validation fails

6/9/2023:

• Added a fix to ensure accurate running balance is sent in the pending transaction API or webhook events
• Made a change to ensure correct currency conversion rates are captured at the time of clearing.

6/3/2023:

• Ensured that the ability to filter account product by IDs worked.

6/2/2023:

• Added a fix to ensure disclosure records are stored with date and timestamp
• Added internal_account.created and internal_account.updated webhook events.

6/1/2023:

• Ensured that the originator and beneficiary routing number were set correctly for returns.

5/30/2023:

• Added support for international wires
• Migrated to a new authentication mechanism for synctera console.

5/27/2023:

• Added a fix to ensure we skip industry validations for restricted businesses.

5/26/2023:

• We now allow patchin of is_ach_enabled, is_p2p_enabled, is_card_enabled flags on accounts
• Added compliance restrictions to business resource to help identify any kind of special compliance restrictions that the business need to follow in order to operate in good standing
• Added the ability to filter by card_id on v0 transactions (trx and hold) and on v1 transactions.
• Added customer.created and person.created webhook events
• Added the ability for synctera users to fail KYB cases in pending states, from the console.
• Added amount to be released in card transactions.

5/25/2023:

• Handled incoming, wire returns.

5/24/2023:

• Fixed an issue to ensure SAR generation works even if there are no UBOs.

5/23/2023:

• Added CCD SEC code to ACH transactions to indicate funds transfer between two corporations / businesses.
• Added MCC code based spend controls.

5/18/2023:

• Ensured that the option to Reverse transaction is available only for Synctera OPS as part of troubleshooting.

5/16/2023:

• Fixed an issue where the statement had incorrect balance in some cases .

5/9/2023:

• Fixed a regression issue where transactions / statement amounts were incorrect on Synctera Console.

5/8/2023:

• Fixes to ensure filtering based on all transaction sub types.

5/5/2023:

• Added a fix to ensure Authorized_User can transact on the account.
• Added a case_created webhook so that fintechs can be notified when a new case is created. E.g if Fintech wants to know when a watchlist case is created, they can listen to this event.
• Added a card_created webhook so that fintechs can be notified when a new card is created. For example, this can be used to be notified when a card is created, using the synctera console.

5/2/2023:

• Added dispute handling and provisional credit for charge backs.
• Added the ability to specify "amount to be released" for a jit notification. This amount will be released from the pending_trx after clearing the posted portion.
• Added account open and close dates which align with the date cut off of the bank. If the change occurs before the cutoff time the open / close date is the same day, if after the cut off time the open / close date is the next day.

5/1/2023:

• Added the ability to cancel spend control cases.
• Fixed an issue while adding authorized user relationship

4/26/2023:

• Fixed an issue where the order of originator and recipient was not shown currently in Synctera Console for refunds/credits.
• Fixed an issue where Incoming Credit transactions were not displaying the Account owner name in the 'To/Beneficiary' card.
• Changed incoming credit transaction view on Synctera console to display the external account information instead of the internal settlement account, for From/Originator account field
• Fixed an issue to ensure card transaction fee details are displayed properly on the Synctera console.
• Changed the code to handle situations where Plaid is not returing institution ID.
• Fixed an issue where using PUT /v0/accounts/{id}/relationships/{id} to update an account relationship, returned an error
• Added metadata information to transactions V1. An example use case would be where an integrator can add metadata to internal transfers to track a specific type of fee.

4/25/2023:

• Fixed an issue to ensure subject information is displayed correctly on cases view for application cases.
• Fixed an issue where statements were attempted to be generated before the closure of the posting date.

4/24/2023:

• Fixed an issue to ensure we handle all ACH returns appropriately, specifically some returns that were being dishonored before as late returns.

4/21/2023:

• Added currency conversion rate information to the transaction summary details views, when available.

4/18/2023:

• Added error handling for when a card is being issued on a card product which is disabled for card issuance
• Added error handling for when balance is not returned by Finicity
• Enhanced Marijuana SAR reminders to use the right window

4/14/2023:

• Fixed an issue with patching an outgoing ACH transaction that got reversed earlier
• Updated wire system_description to include beneficiary name for outgoing and originator name for incoming

4/13/2023:

• Fixed an issue where address with symbols failed validation.

4/11/2023:

• Enforced valid US state in card acceptor field, in Card transaction simulations API
• Fixed an issue where when a business user whose checking accounts are linked to another checking account, the console showed that they are linking to a LoC incorrectly.

4/5/2023:

• Added support to track, maintain and validate against state cannabis rules for Marijuana merchants.
• Company profile form now shows up on the left nav. This is the form that we would like new Fintechs to use going forward to share & maintain information about the Fintech, especially as part of onboarding / due diligence process.
• Added more details on the console for outgoing wire transactions
• We now display account currency information under account details on the console.

4/4/2023:

• Added dispute details to transactions to include references to the related dispute cases, and status of the dispute as the dispute case progresses.

4/3/2023:

• Fixed an issue to ensure changes to cards are tracked properly in resource history.

3/31/2023:

• Fixed an issue where adding a note while freezing the account, did not save the note.

3/29/2023:

• Fixed an issue where users were unable to issue a physical card using Synctera console.

3/28/2023:

• Added a feature to remind users to file 90 day continuous SAR for cannabis fintech merchants.

3/27/2023:

• Added the ability for bank users to search based on customer's SSN
• Fixed the code to ensure when we’re converting between amounts that we can accommodate currencies that have something other than 1/100 as the minor unit.
• Added a new endpoint for deleting external cards.

3/26/2023:

• Fixed a bug where we were not able to freeze an account that has spend controls on it.

3/22/2023:

• Fixed a bug where accounts which had balance ceiling and / or floor were not allowed to be used for spend controls.

3/20/2023:

• You can now see history of changes made to accounts / applications / customers by looking at the history tab under each account / customer / application. This is very useful for Bank / Fintech / Synctera operations for monitoring and support.

3/17/2023:

• Added the ability to sort cases by created or updated date.

3/16/2023:

• Fixed an issue where country information was not being displayed correctly for customers outside the US.
• Fixed an issue where users were not able to add notes.

3/15/2023:

• We have now published V1 Transaction APIs. Please take a look to see if you would like to use them. Some of the major changes are:
  • Merging pending and posted transactions into a single resource /transactionsNew transactions resource will have 2 separate balances a pending amount and posted amount. These amounts will change but the underlying postings will remain immutable
  • Strongly typed payment rail schema eg card_transaction.
  • Each resource in /transactions represents once side of a transaction grouped together by transaction_group_id
  • Top level required description field defined by payment rail at time of transaction creation. Integrators will no longer need to dig through payment rail data to pull description to display

3/14/2023:

• Added masked account numbers for outgoing ach (and return) descriptions

3/7/2023:

• Added an internal account type 'Network Chargeback' for dispute handling

3/1/2023:

• Fix to ensure metadata changes are captured as part of update end points for cards.

2/28/2023:

• Added ability to filter cases by last updated time, on Synctera console.

2/27/2023:

• Added additional user info to reversal transactions
• Added the ability to configure company name that will be used for ACH transactions.

2/24/2023:

• Some performance fixes for statements

2/14/2023:

• Added disclosure tab under Business details on Synctera console.

2/9/2023:

• Removed constraint that was restricting users from selecting more than 14 days of transactions using custom date filter, on Synctera Console.

2/6/2023:

• Added the ability to configure SAR requrirement at account template level.
• Added ability for Savings accounts to compound interest daily and perform monthly payout

1/31/2023:

• Added support for unique IDs other than SSN to be passed for ID verification, mainly when KYC is done outside Synctera or done manually.

1/28/2023:

• Added the ability to return interest accrued in the month. We now also display accrued interest on account details screen on Synctera console.

1/26/2023:

• Made changes to ensure Fintechs who are under Ground control, cannnot act on their cases. Ground control cases can only be acted up on by Synctera team.

1/25/2023:

• Fixed an issue related to interest when an account is opened after UTC EOD time even though the bank EOD is not hit yet.

1/23/2023:

• Added more details about the check for mobile remote check deposit transactions.

1/20/2023:

• While linking an external account with manual verification, it's now mandatory to have either an ACH routing number or a wire routing number, based on what the account will be used for.

1/19/2023:

• Fintechs who are under ground control cannot take final action on specific case types

1/18/2023:

• Fixed filtering on business page
• Fixed an issue where external accounts were not allowed to be linked to Businesses who are not direct customers.
• Fixed an issue where inapp push provisioning endpoint for android is missing some fields in the response

1/17/2023:

• Added 'Founder' as a title for someone who is a managing person of a business
• Added Authorized users and Signers view to Accounts page on the console
• Added the ability to search account based on account nick name.

1/12/2023:

• Removed forward slashes from posted date pattern

1/11/2023:

• Added the option to allow releasing funds immediately when creating ACH external transfers

1/10/2023:

• Ensured that all card transactions are enhanced.

1/9/2023:

• Fixed an issue where for next day ACH, we were not selecting the 'next day' if the request came in after last window for ACH on the day or on a non-banking day.
• Fixed some issues related to settlement date.

1/6/2023:

• Added case tab to customer details.
• Added relationship column to accounts tab under Personal Customer or Business Customer

12/22/2022:

• Fixes to ensure we pass the correct transaction subtype for fraud monitoring and more related fixes.
• In person list changed First name filter to First or chosen name
• In person detail displayed chosen name in brackets
• In documents table added a col for doc type
• In documents table displayed a 'lock' icon if the doc is encrypted
• Removed transactions tab from card detail view on the console for now since we currently have no way of filtering transactions specific to a card, especially applicable if there are multiple cards issued on an account (virtual & physical)

12/21/2022:

12/19/2022:

• If a customer has a chosen name, display that in customer view on Synctera console.
• Support the ability to filter cases by email ID.

12/16/2022:

• Added the ability for users to upload documents to personal customers / business customers and accounts, using Synctera console.
• Added cash deposit as a transaction sub type option for Fintechs who support large cash deposits.

12/14/2022:

• Fixed an issue where child transactions (eg. just in time funding transactions) were not setting the correct posted_date.

12/13/2022:

• Made document updates to clarify the usage of is_system_acc fields under internal transfer API.
• Made adjustments to KYC reason codes that get flagged for review, to reduce false positives

12/09/2022:

• Added the ability to set different fraud rules for business and personal customers.

12/08/2022:

• Fixed an issue to ensure all global watchlist matches are displayed on watch list cases, and not just the first in the series
• We now display whether a customer used SSN prefill or not, as part of KYC.

12/07/2022:

• Fixed error message returned for ACH calls made with negative numbers.
• Made changes to allow default hold post period to be in minutes instead of days.
• Added additional sender information on incoming ACH, when available

12/06/2022:

• Increased size of documents allowed to be uploaded to doc store to 32MB

12/02/2022:

• Fixed the display of file name and file link display in the document view on synctera console

11/29/2022:

• Allowed providing account ID in addition to account numbers while creating an ACH hold.
• Added ability to associate a document to an account

11/28/2022:

• Added some validations to card onboarding wizard on Synctera console.
• Created an API to simulate ACH returns.

11/25/2022:

• Fixed an issue which allowed businesses from marking themselves as an owner of the business instead of the actual business owner.

11/24/2022:

• Added "Purpose" to indicate internal account type.

11/23/2022:

• Display history of all KYC done on a customer.

11/22/2022:

• Made a fix to ensure temporary hold transactions are returned for all payment rails except ACH.
• Made some adjustments to KYC reason code handling

11/21/2022:

• Change to ensure Line of Credit and Charge card statements include the sum of all payments received during the statement period instead of just the latest payment amount.
• Fix to ensure T-minus 10 Fintechs cannot approve their own KYC / KYB cases.

11/17/2022:

• Fixed an issue with notes while freezing customers.

11/16/2022:

• Fixed an issue where we were dishonoring some ACH returns incorrectly.
• Fixes some issues related to banning customers.

11/15/2022:

• Some fixes to spend controls
• Enabled sort by creation_time and last_updated_time for business customers
• Added the ability to specify notes while freezing customers.
• Added the ability to search external accounts based on customer ID, while creating outgoing ACH from Synctera console
• Some fixes to support mobile remote check deposit
• Added the ability to specify chosen_name while creating personal customers.

11/14/2022:

• Fixed an issue where account linking was failing for some use cases
• Added watchlist support for authorized signers

11/10/2022:

• Changes to support international remittances

11/9/2022:

• Made some changes to handle dishonored ACH returns that come later than 2 days.
• Allowed re-kyc/re-kyc when the customer has been previously verified
• Changes to show previously linked and unlinked external accounts on the UI

11/8/2022:

• Fixed an issue where users were not able to pull external credit card transactions.
• Added compliance report document type to document store.
• Fix to process incoming contested ACH returns
• Fixed an issue with case update web hooks.

11/7/2022:

• Added statements tab in Account details view on Synctera console.
• Added the ability to enter notes while freezing an account using Synctera console.

11/4/2022:

• Fixed a breaking change to bring back field 'include_history' related to returning deleted external accounts.
• Fixed an issue where external accounts linked to businesses were not marked as 'Verified'
• Enhanced to have a link to the actual disclosure document that is stored
• Change to allow sorting businesses by creation_time and last_updated_time

11/2/2022:

• Changes to store actual disclosure documents in the master disclosure configurations

10/31/2022:

• Fix to support custom billing periods for lines of Credit.

10/28/2022:

• Changes to business view on console
  • Added email field for business customers
  • Added createdAt field for business customers
  • Added updatedAt field for business customers
  • Enabled sorting for business customers
  • Added frequent filters (email, status) for business customers
  • Normalized letter case for personal customers
• Added applications tab to customer details and account details view on Console
• Fixes to Mobile Remote Check Deposit
• Adjusted some KYC reason code to reduce false positives

10/27/2022:

• Fixed an issue where some KYC case details were not viewable.

10/26/2022:

• Expose application_id in account object if included in account creation

10/25/2022:

• Fix to ensure ACH file name matches Fed needs for MSB.
• Added Disclosures and Document views to Customer details on Synctera console.
• Show who (Bank / Fintech / Synctera) has to act on a case, on Synctera console

10/22/2022:

• Fix to ensure empty email and phone numbers are handled correctly while banning customers.

10/21/2022:

• Fix to ensure incoming ACH works for business accounts.

10/20/2022:

• Automatically delete balance_history rows during account wipe
• Enhancements to Internal tool for managing configurations
• Fix to make it easier for Synctera Operations to act on KYC / KYB cases
• Enhancements to use case explorer
• Code clean up work around how we validate if a user can perform a transaction

10/19/2022:

• Made changes to ensure freezing a customer or account will also result in a frozen card if they have any
• Adjusted webhook configuration timeout
• Cleaned up documentation
• Synctera Console
  • Update tenanted group perms
  • Reconciled-view: correct next page button activation logic
  • Use case explorer improvements
  • Add markdown text area for blueprint step detailed description

10/18/2022:

• Enhancement: Returning metadata in Card object
• Enhancement: Updated our return rules to allow returns during the the full second business day from the original debit/credit item
• Bug: Fixed a bug related to Pin debit transaction that was a standin by the network
• Other performance and client library fixes.