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  1. DDM
  2. Reports Guide

Transactions & Exceptions

This section focuses on the granular details of the daily transaction file and the exception reports that catch data or compliance issues.

eJournal Transaction Report

The eJournal Transaction Report is the primary audit trail for all movement within the transaction file provided by the Client.

  • Purpose: Displays the total deposits and total withdrawals contained in the transaction file, along with any exception transactions.

  • Operational Use: Used by the Client's operations team to identify and determine the root cause of any differences between the Client's expected totals and the system's processed totals.

  • Frequency: Generated daily; multiple reports may exist if the Client submits multiple transaction files in a single day.

Visual Reference: eJournal Transaction Report (Sample Report Data)

RUN DATE: 07/05/22        R&T DEPOSIT MARKETPLACE, LLC                  PRODUCTION DATE: 07/05/22
     TIME: 06:38    DISSEMINATION OR COPYING IS PROHIBITED EXCEPT...           PAGE: 1
                          EJOURNAL TRANSACTION REPORT - PURCHASE EXCEPTIONS

OWNER - BXXX

                                                         REQUESTED     ACTUAL AMOUNT
BAT/TRN    ACCOUNT                                FUND      AMOUNT     (IF DIFFERENT)    DIFFERENCE    COMMENT
------------------------------------------------------------------------------------------------------------------
  SWEEP    REQUESTED                                     4,966,538.94
           ACTUAL                                                       4,966,538.94
           DIFFERENCE                                                                          0.00

  OTHER    REQUESTED                                             0.00
           ACTUAL                                                               0.00
           DIFFERENCE                                                                          0.00

  TOTALS   REQUESTED                                     4,966,538.94
           ACTUAL                                                       4,966,538.94
           DIFFERENCE                                                                          0.00
------------------------------------------------------------------------------------------------------------------

How to Read the eJournal Transaction Report

This report acts as a reconciliation bridge between the Client's core system and the DDM platform.

  • Identifying Exceptions: Focus on the PURCHASE EXCEPTIONS and REDEMPTION EXCEPTIONS headers.

  • The Reconciliation Logic:

    • Requested Amount: The total dollar amount the Client submitted in their daily transaction file.

    • Actual Amount: What the DDM Program system successfully processed.

  • Goal: The DIFFERENCE column for both "Sweep" and "Totals" should ideally be 0.00.

  • Action: If a difference appears, the Client's operations team must check the COMMENT column for system-generated reasons (e.g., account not found).

DDM Tier Exception Report

This report acts as a quality control to monitor and check for rate set identifiers that were transmitted via file but not set up in the DDM Program, which could cause incorrect customer rate accruals to occur.

  • Purpose: Displays exceptions related to requests to change a Tier Set ID on an existing account or the setup of a new account with an invalid Tier Set ID.

  • Operational Action: The Client's operations team must review these exceptions daily to ensure there are no exceptions related to the customer interest rate mapping for Client's customers.

  • Timing: Available after the allocation runs (approx. 1:30 PM EST and 4:00 PM EST).

Visual Reference: DDM Tier Exception Report (Sample Report Data)

RPT-ID. - STRT10B                     DDM TIER UPDATES                         PAGE    :    1
                              TIER SET ASSIGNMENT EXCEPTION REPORT             RUN DATE: 2016-10-14
                                     AS OF 2016-10-14

FOR:  BANK NAME

BRKR ACCT NBR      CUSTOMER NBR  PRODUCT  CURR TIER SET ID  TIER SET ID SENT  TIER SET ASSIGNMENT REJECTION REASON
-----------------  ------------  -------  ----------------  ----------------  ------------------------------------

TOTAL REQUESTED TIER SET ASSIGNMENTS REJECTED -        0

How to Read the DDM Tier Exception Report

This report captures exceptions in how end customers are assigned customer interest rate tiers.

  • Primary Fields to Monitor:

    • TIER SET ID SENT: The tier value provided in the Client's file.

    • TIER SET ASSIGNMENT REJECTION REASON: This field provides the specific reason the system refused the assignment.

  • Goal: The total at the bottom, TOTAL REQUESTED TIER SET ASSIGNMENTS REJECTED, should be 0.

  • Action: If the count is greater than zero, the Client's operations team must reach out to the DDM Operations team to work on correcting the error, which may include completing a setup form to configure a new Rate Set ID or making manual updates via CAP.

Uninsured Accounts Report

Maintaining expanded deposit insurance coverage limits is a core value proposition of the DDM Program. This report monitors those limits.

Note: Customers may appear on this report when their total program balance exceeds the Program Limit.

  • Purpose: Identifies accounts within the same SSN/TIN that have balances exceeding the expanded deposit insurance coverage limit.

  • Operational Use: Used by the Client's operations team to provide the Client with information on uninsured funds, allowing for manual intervention or restructuring if necessary.

  • Frequency: Generated daily or on-demand, typically after the afternoon allocation cycles.

Visual Reference: Uninsured Accounts Report (Sample Report Data)

Please be advised, the balance in the account(s) below have exceeded the MAXIMUM insurance
limit and currently have uninsured balances:

   Account number             |     Balance      |  Insured amount  |  Uninsured Amount
 (same TIN for all accounts)  |                  |                  |
------------------------------|------------------|------------------|------------------
          123456789           |   $71,324,528.00 |   $70,100,000.00 |    $1,224,528.00
                    Totals :  |   $71,324,528.00 |   $70,100,000.00 |    $1,224,528.00
------------------------------|------------------|------------------|------------------
          567891234           |   $81,324,528.00 |   $70,100,000.00 |   $11,224,528.00
                    Totals :  |   $81,324,528.00 |   $70,100,000.00 |   $11,224,528.00

How to Read the Uninsured Accounts Report

This report is critical for maintaining the program's primary value proposition: providing expanded deposit insurance coverage.

  • The Trigger: This report is produced only if uninsured accounts exist after the final allocation.

  • Key Columns:

    • Balance: The total amount held by a single customer (grouped by TIN/SSN).

    • Insured Amount: The maximum coverage currently available in the network for that customer.

    • Uninsured Amount: The overflow amount that is currently not protected by FDIC insurance.

  • Action: The Client's operations team must review the exception and notify their customer immediately so they can decide whether to adjust the customer's program participation or accept the uninsurance risk.

Updated 10 days ago

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R&T Deposit Networks, LLC, R&T Deposit Marketplace, LLC, R&T Deposit Solutions, LLC and R&T Deposit Programs, LLC (each d/b/a R&T Deposit Solutions), each a Delaware limited liability company, (together, “R&T”) provide administrative, recordkeeping, and/or other services to banks, credit unions, trust companies, wealth management firms, broker-dealers and other institutions with respect to deposit placement and sweep programs, including the Demand Deposit Marketplace® (DDM®), Certificate of Deposit Marketplace Exchange℠ (CDMX℠) and R&T Insured Deposits℠ (RTID®) programs, as well as other services. An affiliate of R&T, Stable Custody Group II LLC (“Stable”), acts as agent of participating sending institutions under the DDM and CDMX programs. R&T and Stable, together, “we”, “us” or “our”. All of our services are provided subject to the terms and conditions of the written agreements and/or agency appointments between us and our clients with respect to those services, and we provide no representations or warranties, express or implied, except as expressly set forth in those written agreements and/or appointments. Click here for our legal and other disclosures. We are not an FDIC or NCUA-insured institution. FDIC insurance only covers the failure of an FDIC-insured institution. NCUA insurance only covers the failure of an NCUA-insured institution. Certain conditions must be satisfied for FDIC and NCUA pass-through deposit insurance coverage to apply. Click here for a list of the FDIC and NCUA-insured institutions with which R&T has a direct or indirect business relationship for the placement of deposits under the DDM, CDMX, and RTID programs, and into which a participating institution may place deposits (subject to the terms of those programs and any opt-outs by the participating institution and/or its customers). While the DDM, CDMX, and RTID programs provide access to an expanded level of FDIC or NCUA deposit insurance coverage on funds placed into the programs (subject to program terms and applicable laws, regulations and guidance, including pass-through insurance coverage requirements), the DDM, CDMX and RTID programs, themselves, as well as our other service offerings, are not insured or guaranteed by the FDIC or NCUA, are not deposits, and may lose value. We are not an affiliate of an FDIC or NCUA-insured institution, we are not an office, division, or sub-division of the FDIC or NCUA, and we are not associated with the FDIC or NCUA or office, division, or sub-division thereof. The primary objective of the DDM, CDMX, and RTID programs is to provide customers with convenient access to expanded deposit insurance coverage on their funds (and not for investment enhancements, higher rates of returns or profits). R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM®, DepositView®, CDMX®, and RTID® are registered marks, and R&T Direct℠ is a pending mark of R&T Deposit Networks, LLC. of R&T Deposit Networks, LLC. IDEA℠, Certificate of Deposit Marketplace Exchange℠, R&T Insured Deposits℠ are unregistered service marks of R&T Deposit Networks, LLC.

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