🏦RISWIS System Overview
What is RISWIS?
RISWIS (Regal Investment Services Web Information System) is a comprehensive internal banking system designed specifically for modern financial institutions. Built with security, compliance, and operational efficiency at its core, RISWIS provides a complete digital banking infrastructure for internal staff operations.
🎯 Purpose & Goals
Primary Objectives
Streamline Banking Operations - Automate routine banking tasks and workflows
Ensure Regulatory Compliance - Meet all banking and financial regulations
Enhance Security - Protect sensitive financial data and transactions
Improve Efficiency - Reduce manual processes and human errors
Provide Real-time Analytics - Enable data-driven decision making
Target Users
Bank Tellers - Front-line customer service and transaction processing
Branch Managers - Operational oversight and reporting
Administrators - System configuration and user management
Compliance Officers - Regulatory reporting and audit trails
Senior Management - Strategic insights and performance monitoring
🏗️ System Architecture
Technology Stack
Backend Infrastructure
Framework: Express.js with TypeScript
Database: PostgreSQL with Prisma ORM
Authentication: JWT tokens with role-based access control
API Design: RESTful architecture with comprehensive validation
Frontend Application
Framework: Next.js 15 with App Router
UI Library: Tailwind CSS + shadcn/ui components
Icons: Lucide React icons
Forms: React Hook Form with Zod validation
State Management: React Context + Custom hooks
External Integrations
SMS Service: Multi-gateway SMS delivery system
Email Service: SMTP integration for notifications
File Storage: Secure document management
Reporting: PDF generation with jsPDF
Security Architecture
graph TB
A[User Authentication] --> B[JWT Token Validation]
B --> C[Role-Based Access Control]
C --> D[Permission Validation]
D --> E[API Access]
subgraph "Security Layers"
F[Data Encryption]
G[Audit Logging]
H[Session Management]
I[Input Validation]
end
E --> F
E --> G
E --> H
E --> I💼 Core Modules
1. User Management
Multi-role system with granular permissions
Department and branch organizational structure
Password policies and force password changes
Session management and activity tracking
2. Customer Management
Complete customer profiles with KYC/AML compliance
Account opening workflows with approval processes
Document management and verification
Customer communication history
3. Account Management
Multi-currency support (USD and LRD)
Various account types (Savings, Checking, Business)
Account status management (Active, Inactive, Dormant, Closed)
Balance tracking and transaction history
4. Transaction Processing
Core banking transactions (Deposits, Withdrawals, Transfers)
Real-time balance updates with dual-currency support
Transaction limits and approval workflows
Audit trails for all financial operations
5. Cash Management
Teller cash tracking with opening/closing balances
Multi-currency denominations and counts
Daily reconciliation processes
Variance reporting and resolution
6. Money Transfer System
Domestic transfers between accounts
International transfer capabilities
Transfer fees and exchange rate management
Compliance reporting for large transfers
7. Loan Management
Loan application processing
Credit assessment workflows
Disbursement and repayment tracking
Loan portfolio management
8. Reporting & Analytics
Financial reports (Transaction, Customer, Loan)
Compliance reports (AML, KYC, CTR)
Management dashboards with real-time metrics
Custom report generation
9. SMS & Communication
Automated SMS notifications for transactions
Bulk SMS campaigns for marketing
SMS analytics and delivery tracking
Multi-gateway redundancy
10. Approvals & Workflow
Multi-level approval processes
Workflow automation for complex operations
Audit trail for all approvals
Role-based approval routing
🔒 Security Features
Authentication & Authorization
JWT-based authentication with secure token management
Role-Based Access Control (RBAC) with granular permissions
Multi-factor authentication support
Session timeout and concurrent session limits
Data Protection
Encryption at rest for sensitive data
Secure communication with HTTPS/TLS
Database security with connection pooling
Input validation and sanitization
Audit & Compliance
Complete audit trails for all operations
Regulatory compliance (AML, KYC, CTR)
Data retention policies
Compliance reporting automation
🌐 Multi-Currency Support
Supported Currencies
USD (United States Dollar) - Primary international currency
LRD (Liberian Dollar) - Local currency
Currency Features
Dual balance tracking for accounts
Exchange rate management (when applicable)
Currency-specific transaction limits
Multi-currency reporting and analytics
📱 User Interface
Design Principles
Mobile-first responsive design
Accessibility compliant (ARIA, semantic HTML)
Professional banking aesthetic
Intuitive navigation and workflows
Key UI Features
Dashboard widgets with real-time data
Quick action buttons for common tasks
Advanced search and filtering
Contextual help and tooltips
Toast notifications for user feedback
📊 Reporting Capabilities
Standard Reports
Transaction Reports
Daily/Monthly transaction summaries
All
Customer Reports
Customer listings and analytics
Manager+
Cash Position
Teller cash reconciliation
Teller+
Compliance Reports
AML/KYC regulatory reports
Compliance
Financial Statements
Balance sheets and P&L
Management
Audit Reports
System activity and changes
Admin+
Report Formats
PDF - Professional formatted reports
CSV - Data export for analysis
JSON - API integration format
🔄 Business Workflows
Account Opening Process
flowchart TD
A[Customer Application] --> B[Document Verification]
B --> C[KYC/AML Checks]
C --> D[Manager Approval]
D --> E[Account Creation]
E --> F[Account Number Assignment]
F --> G[Customer Notification]Transaction Processing Flow
flowchart TD
A[Transaction Request] --> B[Customer Verification]
B --> C[Account Validation]
C --> D[Balance Check]
D --> E[Transaction Processing]
E --> F[Balance Update]
F --> G[SMS Notification]
G --> H[Audit Log Entry]📈 Performance Metrics
System Performance
Response Time: < 2 seconds for standard operations
Uptime: 99.9% availability target
Concurrent Users: Supports 100+ simultaneous users
Data Processing: Real-time transaction processing
Business Metrics
Transaction Volume: Processes thousands of daily transactions
Customer Base: Supports unlimited customer records
Multi-branch: Scales across multiple locations
Reporting: Generates reports in under 30 seconds
🛠️ Administration
System Configuration
Bank information and branding settings
Transaction limits and approval thresholds
SMS gateway configuration
Backup and maintenance scheduling
User Administration
User creation and role assignment
Permission management
Department and branch organization
Activity monitoring
📞 Support & Maintenance
Help System
Built-in help documentation
Role-based help content
Step-by-step guides
Video tutorials (planned)
System Monitoring
Health checks and status monitoring
Error logging and alerting
Performance metrics tracking
Automated backups
🚀 Future Enhancements
Planned Features
Mobile application for customers
Advanced analytics and AI insights
API integrations with external systems
Enhanced workflow automation
Technology Roadmap
Microservices architecture migration
Cloud deployment options
Advanced security features
Real-time communication capabilities
Ready to get started? Choose your role-specific guide:
Last updated: January 2025
Last updated