Rayterton BCM is a business cash management operating system that connects the bank back office and corporate portal in one platform. It gives treasury, operations, and finance teams real time visibility of cash positions, payments, collections, virtual accounts, and cash pooling structures.
Rayterton BCM is built to serve both sides of corporate cash management. The bank receives a complete back office and operations console, while corporate clients get a secure self service portal for payments, approvals, cash pooling, and reconciliation. Both share the same engine and data model to keep positions, limits, and transaction status consistent.
The bank side of BCM provides master data, product configuration, payment hub, virtual account lifecycle, cash pooling structures, reconciliation rules, and reporting. Operations teams can see queues, exceptions, SLA, and liquidity positions in one place, instead of scattered tools and manual spreadsheets.
Corporate users access BCM through a dedicated portal. They can see cash positions across accounts and virtual accounts, submit and approve payments, review pooling structures, and reconcile bank statements against internal ledgers. User and approval management can be delegated to the corporate administrator under rules agreed with the bank.
The bank view of BCM focuses on control, visibility, and configuration. It combines dashboards, master data, product setup, payment routing, virtual account management, cash pooling, reconciliation, and internal reporting into a single operating environment.
Real time widgets for daily transaction volume, success versus failures, pending queues, and key liquidity positions per corporate group. Exception and SLA alerts highlight items that need immediate attention from operations teams.
Central master for corporate customers, their accounts, BCM products, service packages, virtual account schemes, cash pooling structures, approval matrices, fee parameters, and internal user roles that drive all workflows.
Product owners can configure cut off times, channels, routing options, and feature flags per BCM product, group them into service packages by segment, and assign these packages to corporate customers as part of onboarding.
A central payment hub receives transactions from the corporate portal and H2H channels, performs validations, queues them for approval and execution, and routes them to RTGS, SKN, internal transfer, or SWIFT based on configuration and limits.
Bank teams define virtual account schemes per customer, issue VA numbers in bulk or individually, maintain status changes, and monitor activity so that billing and collection teams always see reliable incoming flows.
Setup of header and member accounts, zero balancing or target balancing rules, and execution schedules. The system tracks pooling runs, movements, and impact on liquidity so both bank and clients can see how structures perform over time.
Rule based reconciliation aligns BCM transactions with core banking movements. Unmatched items and exceptions are presented in dedicated worklists so operations can resolve them quickly and maintain clean positions.
Standard reports for volume, value, SLA performance, product usage per customer, and export to data warehouse or BI tools. Product and operations managers can see which services are growing and where process frictions appear.
Administration area for internal users, roles, audit trail viewing, notification templates, and global BCM parameters so that risk, audit, and IT teams have clear governance over the platform.
The corporate portal provides CFO, treasury, and finance teams with a single front door to their cash management services at the bank. It covers dashboards, master data that can be managed by the client, payments, approvals, cash pooling view, reconciliation, and user administration.
A consolidated view of balances across all linked accounts and virtual accounts, plus widgets for pending tasks, approval queues, and recently executed transactions that impact liquidity.
Corporate administrators can maintain user and role assignments, see or update approval limits per role depending on what the bank allows, and keep the internal approval structure aligned with governance policies.
Inquiry screens list all BCM accounts and virtual accounts, with access to transaction history, collection reports, and downloadable statements that can be used in daily cash routines.
Users can create single payments, upload bulk payment files, and save templates for recurring beneficiaries and payroll runs. Status tracking lets them follow each transaction from creation to bank execution.
Approval screens show all transactions waiting for authorisation, with clear limits and steps. Optional email or mobile notifications remind approvers when high priority items need to be processed.
Corporate treasury teams can see pooling structures, track balances for header and member accounts, run internal transfers between accounts, and simulate movements before executing them.
Semi automatic reconciliation tools help match bank movements with internal ledgers, surface outstanding items, and produce daily cash position and activity reports for management.
Corporate admins can add, adjust, or deactivate users, manage roles and entitlements, and align portal security with internal policies and two factor authentication requirements.
Rayterton BCM is designed to sit between the bank core systems and corporate ERP environments. It exposes APIs and file based channels so that payment, collection, and reconciliation processes can be automated step by step, without forcing a big bang replacement of existing tools.
Implementation approach follows the same pattern as other Rayterton solutions. The focus is a working BCM environment that already reflects your customers, accounts, and approval structures before you make any commercial commitment.