The Internal Comments section of the Application Details page logs all Q2 Gro system actions that happen during each application process. At the bottom of each application in the Admin Portal, the Internal Comments section can be used to research how far an applicant progressed in the application process. If an application is referred, you can use this section to research if a failure occurred and where, or which risk checks the applicant did not pass, if applicable.
The Internal Comments section of the Application Details page helps to explain various stages of the application process and aspects of different integrations. The information included in this section provides more information for internal comments terminology.
Note
The information included in this section doesn't apply to terminology related to custom integration internal comments.
The below table describes the application and applicant terminology in an application's Internal Comments section.
Table 6. Application Details Terminology
|
Term |
Description |
|---|---|
|
Admin (ADM) |
Indicates that a manual change was made to an application and provides information about the change itself and the user that made the change. |
|
Additional Decisioning Stub (ADS) |
A placeholder integration that indicates when your risk vendor, also known as Qualifile, is turned off. |
|
Decisioning on Application Attribute (DAA) |
Indicates that Q2 Gro is using the Decisioning on Application Attribute, a feature that verifies an applicant's eligibility based on decision criteria such as their state, zip code, and so on. NoteFor more information about Decisioning on Application Attribute, see Referring applicants using decision criteria. |
|
Dynamic Risk Engine (DRE) |
The mechanism Q2 Gro uses to determine the status of an application, based on the applicant's risk criteria. |
|
Existing Member Stub (EMS) |
A placeholder integration that indicates when your core Existing Member Check is turned off. |
|
Gro Document Management (GDM) |
Indicates that a user or applicant has uploaded a document to their account application. |
|
Identity Verification Stub (IVS) |
A placeholder integration that indicates when an identity verification provider (except for Socure) is turned off. |
|
No Core (NCO) |
A Q2 Gro integration that indicates when a core integration isn't present in your environment. |
|
No Funding (NFU) |
An integration that indicates if you offer "Fund Later" as an option for your applicants, and whether the applicant selected it from the application workflow. |
|
PST (Returning Applicant) |
Indicates in the account application whether the specified applicant has previously applied for an account, and includes the Application IDs associated with those applications. |
|
Queue Notification System (QNS) |
As part of Q2 Gro's automated Queue Routing notification system, QNS indicates when an application changes queues as a result of Advanced Queue Routing's automated routing rules. Each acronym will display as an internal comment in the application to indicate when an internal notification has been sent to the back office team. |
|
Queue Routing Automation (QRA) |
As part of Q2 Gro's automated Queue Routing notification system, QRA indicates when an application changes queues as a result of Advanced Queue Routing's automated routing rules. Each acronym will display as an internal comment in the application to indicate when the queue has changed. NoteFor more information, see Advanced Queue Routing. |
|
Submit Application Stub (SAS) |
A placeholder integration that indicates when your core vendor is turned off. |
|
Submit Funding Stub (SFS) |
A placeholder integration that indicates when your funding vendor is turned off. |
|
Submit Documents Stub (SDS) |
A placeholder integration that indicates when your document submission is turned off. |
The below table describes the KYC, also known as Risk integrations, terminology found in an application's Internal Comments section.
Table 7. KYC/Risk Integrations Terminology
|
Term |
Definition |
|---|---|
|
Alloy (ALY) |
A Know Your Custmer (KYC) aggregator and Knowledge-Based Authentication (KBA) integration offered by Q2 Gro that verifies the identity and assesses the risk of each applicant. |
|
Experian Precise ID (EXP) |
An Office of Foreign Assets Control (OFAC), IDV (ID Verification), and KBA integration offered by Q2 Gro that verifies the identity of each applicant. |
|
FIS IDV/IDA (FIS) |
An OFAC, IDV, and KBA integration offered by Q2 Gro that verifies the identity of each applicant. |
|
FIS Qualifile (QLF) |
A deposit risk integration offered by Q2 as part of the Decisioning Workflow. NoteFor more information about the Decisioning Workflow, see Referring applicants using decision criteria. |
|
IDology ExpectID® (IDK) |
An IDV and KBA integration offered by Q2 Gro that verifies the identity of each applicant. |
|
IDology OFAC (IDO) |
An OFAC integration that pairs with the IDology IDV/KBA integration and is offered by Q2 as part of the Decisioning Workflow. |
|
LexisNexis InstantID (LXN) |
An OFAC, IDV, and KBA integration offered by Q2 Gro that verifies the identity of each applicant. |
|
Socure ID+ (SOC) |
A KYC integration offered by Q2 Gro and built into the Decisioning Workflow. It verifies the identify of each applicant that applies using traditional and digital methods, such as their IP address, digital footprint, and so on. |
|
TransUnion, TransUnion Digital Verification (TRN) |
An OFAC, IDV, and KBA integration offered by Q2 Gro for both standard and digital verification versions that verifies the identity of each applicant. |
The below table describes the core integrations terminology found in an account application's Internal Comments section.
Table 8. Core Integrations Terminology
|
Term |
Definition |
|---|---|
|
Fiserv DNA (DNA) |
A Fiserv core integration offered by Q2 Gro that allows you to manage and process your customer accounts. |
|
Fiserv DataSafe (FDS) |
A Fiserv core integration offered by Q2 Gro that allows you to manage and process your customer accounts. |
|
FIS Integrated Banking Solution (IBS) |
An FIS core integration offered by Q2 for both Retail and contracted Business customers that allows you to use data to create solutions for your customers. |
|
FIS Horizon (FHO) |
An FIS core integration offered by Q2 Gro that allows you to manage and process your customer accounts. |
|
Fiserv Premier (FSP) |
A Fiserv core integration offered by Q2 Gro that allows you to manage and process your customer accounts. |
|
Finastra Phoenix (PHX) |
A Finastra core integration offered by Q2 Gro for both Retail and contracted Business customers that allows you to open, manage, and complete transactions. |
|
Jack Henry Silverlake (SVL) |
A Jack Henry™ offered by Q2 Gro that allows you to manage and process your customer accounts. |
|
Jack Henry Symitar (SMT) |
A Jack Henry core integration offered by Q2 Gro that allows you to manage and process your customer accounts. |
|
Jack Henry's Symitar SymFindBy (SFB) |
A Jack Henry core integration offered by Q2 Gro that allows you to manage and process your customer accounts. |
|
Q2 Internal Core Adapter/Digital Account Opening (COR) |
Q2's middleware layer that is coded to the FI's core and has many core integrations coded to it. Any integrations Q2 Gro offers that are not listed above are supported by this core adapter middleware. |
The below table describes the funding integrations terminology found in an account application's Internal Comments section.
Table 9. Funding Integrations Terminology
|
Term |
Definition |
|---|---|
|
Plaid (PVA) |
A Plaid iFrame integration offered by Q2 Gro that applicants can use to verify the balance of the accounts used to fund their application when they input their OLB login credentials for the account. NoteFor more information about Plaid, see Plaid integration overview. |
|
National Automated Clearing House Association (NACHA) |
An ACH NACHA file integration offered by Q2 Gro that allows FIs to receive NACHA files that can be sent to the Federal Reserve for processing new funds via bank transfer. |
|
Authorize.net (ANC) |
An Authorize.net funding card-only integration offered by Q2 that allows customers to fund their accounts using a credit or debit card. |
|
MagicWrighter (MWR) |
A MagicWrighter funding integration offered by Q2 Gro that allows customers to fund their accounts using credit or debit card, or bank transfer. |
|
Firstdata Payeezy (PZC) |
A Firstdata Payeezy card-only funding integration offered by Q2 Gro that allows customers to fund their accounts via credit or debit card. |
|
Southwest Business Corporation (SWBC) |
An SWBC funding integration offered by Q2 Gro that allows customers to fund their accounts using credit or debit card, or bank transfer. |
The below table describes the Online Banking (OLB) Auto Enrollment terminology found in an application's Internal Comments section.
Table 10. Online Banking (OLB) Auto Enrollment Integrations Terminology
|
Term |
Definition |
|---|---|
|
NCR Auto Enrollment |
An NCR (Digital Insight) auto enrollment integration offered by Q2 Gro. |
|
Q2 Auto Enrollment |
A Q2 OLB auto enrollment integration offered by Q2 Gro. |