• Payment orders abroad from clients.
• Payment orders abroad possibily duplicated.
• Incidents in payment orders abroad.
• Transfer orders between accounts provided by the clients.
• Received collection from abroad as credit entry for clients of the entity.

• Taxes received from clients.
• Processing of Social Securities received from clients of the Institution.

OPERATING PROCEDURES OF TRANSFERS

• Processing requested by clients.
• Transfers received pending to pay clients..
• Current account cancellation of clients without transferring the balance.
• Current account cancellation of clients with transfer.
• Current account cancellation of clients transferring to 100% of the accounts.

OPERATING PROCEDURE OF HUMAN RESOURCES 

• Launch Voucher´s management of the employees of the entity.
• Administrative management of the practicum of interns in the company.

CHEQUE PROCESSING PROCEDURES (SPEEDING UP)

• Control of cheque remittance which the clients deposit through electronic banking.
• Client´s cheques through internet.
• Refunds or caomplaints of the cheques deposited through internet.
• Cheques of resident clients deposit to their favour.

RECORDING OF OPERATING PROCEDURES OF PORTFOLIO EFFECTS

• Recording of headings of the remittance of effects.
• Recording of the effects.
• Custody, settlement, issue.

OPERATING PROCEDURES OF THE RETURNED CORRESPONDENCE OF CLIENTS

• Returned correspondence of clients.

OPERATING PROCEDURES OF CLIENT CONTRACTS

• Issuing of contracts of client current accounts.
• Auditing of contracts of client current accounts.
• Contract revisions of client current accounts.

OPERATING PROCEDURES OF REVISION OF DEEDS OF MORTGAGE LOANS

•   Revision of mortgage deeds.

OPERATING PROCEDURES OF HANDLING MORTGAGE TRANSACTIONS

• Procedures of processing mortgage transactions authorized by the automatic system of risk of the entity..

OPERATING PROCEDURES OF ADMINISTRATIVE SERVICES OF MEANS OF PAYMENT

• Processing of the applications of Cirbe information.
• Processing of the registration of the application for modification of direct debit accounts.
• Processing of management of the return of mail of the client´s cards.
• Processing of recovery transactions.
• processing of registration of additional cards.
• Processing of sending the card application forms to potential clients.
• Processing of the revision of accounts with an exceeded amount.
• Processing of the revision of the card limits.

VISA AND MASTER MANAGEMENT

• Pre-analysis of applications and pre-filing of aplications.
• Recording of applications.
• Recuperation of client data, company verification, incident management and verification CCC of the client (Contact Centre whith IP Technology)

SUBSIDIARY MANAGEMENT

• Conciliations.
• Disagreement resolution.
• Archive.
• Invoices.
• Recording and delivery.
• Updating and payment delivery.
• Modification of transfers.
• Processing of transactions and incidents.
• Acceptance of execution orders from the market.
• Automatic acceptanc e of confirmed payments of Variable National Revenues.
• Automatic acceptance of confirmed payments of Variable National Revenues of the previous day.
• Automatic acceptance and confirmed payments of Repos and derived MEFF.
• Manual reception and recording of transactions RF and RV.
• Obtaining of the list for transaction settlement.
• Order Settlement.
• Incident follow up.
• Updating and book keeping.
• Payoffs.
• Obtaining bank extracts.
• Obtaining of the list of transactions pending to pay.
• Transaction Settlement.
• Incident Settlement.
• Payment updating
• Mail management for companies assigned.

ADMINISTRATIVE MANAGEMENT TREASURER´S OFFICE

• Recording and capture of the receipt slip of the transactions contracted by clients with the Treasurer´s Office.
• Transaction recording of renewals and new transactions of Repos of the entity.
• Recording of receipt slips of currencies (currency transaction) of the entity and maintenance of the databasesrelated to this recording.
• Reassignment of transactions.
• Maintenance of the T.B.R. charts.
• Maintenance of the change charts.
• Maintenance of the lists of positions and needs.
• Recording of banking trade exchange, borrewed and lent.
• Transfers due to anticipated cancellations.
• Archive maintenance.

ADMINISTRATIVE MANAGEMENT STOCK MARKET TRANSACTIONS

• Validation of the coverage of the transactions contracted, recorded and revised the previous evening in the international stock market (second filter).
• Error modification and follow up of the coverage made (International Stock Market).
• Recording of headings in transactions contracted in the national stock market.
• Registration of transactions contracted in the national stock market.
• Revision and modification of client´s historical record for Hacienda (Treasury) corresponding to the national stock market.
• Follow up of coverages which have caused some error in payoffs.
• Transaction recording contracted in international stock market.
• Revision and validation of transactions contracted, recorded in international stock market (First filter).
• Management of risks via e-mail.

ADMINISTRATIVE MANAGEMENT RISKS

• Verification of Documentation: DNI, payroll, asset statement, mrtgage guarantee documentation in its case, documentations related ti a legal person.
• Proposal registration.
• Variation of data if not authorized.
• Presentation of proposal/record for its resolution in its corresponding committee.
• Technical report management (deeds verification, reports on valuation, economic-financial reports, reports on legal assessment.
• Settlement.
• Variation of conditions.
• Formalizing and expenditure.
• Archives.
• Payoffs, anticipated cancellations to maturity date, expired credits, doubtful collection.
• Formalized transactions with document design.
• Formalized transactions without document design.
• Advanced issuing of receipts in electronic form.
• Joined transactions.
• Leasing.
• Factoring.
• Cirbe.
• Bank guarantees of non-residents.
• Communications with the Bank of Spain.
• Loans to promoters.