BA Skills for Claude ★ GitHub

Core Retail Banking Processes for BAs (Quy trình nghiệp vụ ngân hàng)

Capability map (use for functional decomposition)

  1. Customer Management — onboarding/eKYC, KYC update, customer profile, segmentation, consent
  2. Account Management — open/close account, account status, statements, dormant handling, nice/vanity account numbers
  3. Payments & Transfers — internal, interbank instant (24/7), interbank normal, scheduled/recurring, bill payment, QR payment, beneficiary management
  4. Cards — issuance, activation, PIN, lock/unlock, limits, transactions, statements (credit), disputes
  5. Lending — application, appraisal, approval, disbursement, repayment, restructuring, collection
  6. Deposits — open term deposit, rollover, early withdrawal, interest calculation
  7. Service & Disputes — tra soát/complaints, SLA tracking, refunds
  8. Security & Access — login, device binding, authentication methods, limits, fraud monitoring
  9. Back office — posting, reconciliation, EOD, GL, reporting
  10. Compliance — AML screening & monitoring, regulatory reporting, audit trail

1. Digital onboarding (eKYC)

  1. Capture ID document (chip-based citizen ID, NFC read where supported) → OCR
  2. Liveness check + face match (selfie vs ID photo / chip data)
  3. Verify identity data against national data sources where required
  4. Collect additional info (occupation, address, purpose), consent & T&C
  5. AML / sanctions screening
  6. Create CIF + payment account, set initial limits
  7. Register digital banking credentials, bind device, set up authentication method

BA watch-outs: existing customer (duplicate CIF), failed liveness retry limits, manual review queue, limits for eKYC-opened accounts may differ from in-branch, minors/foreigners excluded, ID expiry, data retention for images.

2. Fund transfer (internal & interbank)

  1. Select source account → enter beneficiary (account/card/QR) → name inquiry
  2. Enter amount, content (remark) → validate balance, limits, account status
  3. Calculate fee → show confirmation
  4. Authenticate (OTP / Smart OTP / biometric depending on amount & risk)
  5. Debit source (or hold) → send to switch (internal posting / NAPAS / CITAD)
  6. Receive response: success / failed / timeout (pending)
  7. Notify customer (push/SMS), update history
  8. Reconciliation resolves pending: confirm success or reverse/refund

BA watch-outs: timeout handling is where most production incidents live; duplicate submission; beneficiary account closed; holiday/cut-off for non-instant routes; transfer content character limits & no Vietnamese diacritics on some routes; scheduled transfer failing on execution date.

3. Card lifecycle

Apply → approve (credit) → issue (physical/virtual) → deliver → activate & set PIN → use (authorize → settle) → statement (credit) → repayment → renew/replace → close. BA watch-outs: temporary lock vs permanent block (lost/stolen), online/overseas usage toggles, limit changes, card replacement keeps or changes PAN, dispute window.

4. Lending (Loan origination → servicing)

Application → document collection → CIC inquiry & scoring → appraisal → approval (by authority level) → contract & collateral → disbursement → repayment schedule → collection (DPD buckets) → settlement/early repayment → closure. BA watch-outs: approval matrix by amount/product, early repayment fee, partial disbursement, rate reset (floating), restructuring, insurance bundling, consent for CIC inquiry.

5. Term deposit

Open (online/branch) → interest rate by tenor/amount/channel → maturity → rollover (principal only / principal + interest) or payout → early withdrawal (penalty rate) → pledge as collateral.

6. Dispute / Investigation (Tra soát)

Customer raises request → classify (wrong beneficiary, debited not credited, card dispute, fraud) → assign → investigate with counterpart bank/switch → result → refund/reversal or rejection → notify → close within SLA.

7. End-of-Day (EOD)

Stop/queue certain transactions → interest accrual → fees → standing orders → batch postings → reports → open new business date. Ask: which channels stay available during EOD?

Use this with Claude: install the plugin with /plugin marketplace add lechithinh/ba-claude-skills, or read the skill source on GitHub.