Daybreak Data Models

What are Data Models?

Daybreak data models are the maps that transform data from various financial institution sources and formats into a unified, business-centric data mart. With nearly ten years of experience helping financial institutions clean, curate, and explore their data, Aunalytics has developed industry-focused models that extract the kind of information our clients most frequently look for in their data. Daybreak builds these data points ingesting data from connected sources and transforming it through these mappings into common libraries of relevant data points for banks and credit unions.

Daybreak data sources can be one or more of the operational systems that generate data within your organization:

• Core Databases
• Consumer Lending Databases
• Commercial Lending Databases
• Wealth Management Systems
• Online/Mobile Banking Systems
• ATM/ITM Systems
• Financial Market Data
• Consumer Credit Data from Reporting Bureaus

Through our proprietary models, we can automate the process of creating a data mart composed of various libraries of relevant data points and provide daily updates to that mart through our nightly data pipeline operations. Currently, we offer a number of libraries that our clients can subscribe to:

• Customer
• Account
• Transaction
• Lending
• Collateral
• Milestone
• Campaign
• Interactions
• Branch
• Cards

Daybreak can build any or all of these libraries into your data mart depending upon which sources you want to connect to Daybreak and what data you are looking for. Keep reading to learn more about these libraries and decide which components are most useful for your data mart.

Data Mart Libraries

Customer

The Customer library consolidates data at the customer level. It brings together information such as demographic details, account details and product/service flags that help understand a customer. It aggregates information from accounts held by the customer from different sources to determine total counts and balances for each product category. This library is particularly useful for understanding data in other libraries, since it can be joined to other tables (Account, Lending) for more detailed information about groups of customers.

The types of fields available in the Customer library (based on availability in the connected sources) are:

• Customer Details: Name, Type, Age, Status
• Address: Street Address, City, State, ZIP, In/Out of Market Area
• Branch: Origination Branch, Nearest Branch, Most Frequent Branch
• Credit Scores: Original, Current
• Yes/No Flags: Online/mobile banking, Overdraft protection, Online Banking, Products (Safe Deposits, Credit Cards, Wealth Management)
• Dates: Birth, Join, First Account, Death (if applicable)
• Account Details: Counts and Balances by product category

Account

The Account library contains data at the account level. It presents all relevant information for each account in one location. This table can be joined to other libraries (Customer, Lending) for more detailed information. The Account library aggregates deposit, lending and time deposits tables as well.

Example fields available in the Account Library (based on availability in the connected sources) are:

• Account Details: Account Number, Type, Status, Interest Rate, Branch
• Balance: Current, MTD Average, YTD Average
• Details: ID, Name
• Aggregation: Oldest Account, Newest Account
• Yes/No Flags: Direct Deposits, E-statements, Rewards, Interest Bearing
• Other Details: Holds, Days Overdrawn

Transaction

The Transaction library contains information related to the transactions generated by accounts in the Account Library. This table can be joined to other libraries (Customer, Account) for more detailed information.

Example fields available in the Transaction Library are: - Transaction Details: Customer Key, Account Number, Account Type, Transaction Number, Check Number, Transaction Status, Branch (If applicable), Teller (If applicable) - Dates: Transaction Date, Transaction Posting Date - Amounts: Transaction Amount, Running Balance - Type: Transaction Code (e.g. DDEP-ATM Deposit, XWTH-External Withdrawal, etc.), Transaction Description, Debit or Credit

Lending

The Lending library serves as an extension to the Account Library, providing more details on information specific to loans and mortgages. This library contains information on all lending accounts – commercial, consumer, and residential (mortgages). Fields are sourced from tables within the core and lending platform data sources. The library also contains account and customer keys so that transaction information can be joined to account and/or customer information.

Example fields available in the Lending Library are: - Lending Details: Account Number, Type, Status (Active, Matured, Charged off), Interest Rate, Branch - Balances: Original Principal Amount, Current Principal Balance, Book Balance, Unapplied Balance, Available Balance, Payoff Amount, Monthly Payment - Dates: Origination, Boarding, Next Due, Maturity, Last Payment, Note - Ratings: Risk Rating, FICO Score, Loan to Value - Type: Payment Type, Loan Type - Other Details: Participations, Guaranteed, Amortization

Collateral

The Collateral library holds collateral (security/ guarantee for repayment) related details for loans and mortgages. It can be linked with the Account or Lending library by joining it on the account ID to get relevant details for those loans.

Example fields available in the Collateral library are: - Collateral Details: Type, Value, Address, Primary Flag

Milestone

The Milestone library holds information about a consumer’s lending journey.

Example fields available in the Milestone library Include: - Milestone Details: Account Product Type, Status, Officer, Region - Dates: Status Start Date, Status End Date

Campaign

This library holds information about current and historical campaigns to allow business users to track campaign success and ROI.

Example fields available in the Campaign Library are:

• Campaign Details: Type, Product Category, Cost, Goal ROI
• Dates: Start Date, End Date, Duration

Interactions

The Interactions library holds consumer interaction touch points across channels to further understand the consumer journey.

Example fields available in the Interactions library include: - Interaction Details: Campaign, Description, Type, Date

Branch

The Branch library holds branch information related to regions, location and personnel. It can be linked to the other libraries to get additional details related to each branch number.

Example fields available in the Branch library are:

• Branch Details: Number, Name, Region, Manager
• Location: Address, Latitude, Longitude

Cards

The Cards library contains information on the cards associated with each account. Important fields include Card Number, Type, Expiration Date, Status. It can be linked with Customer or Account libraries by joining it on the customer ID field to get other relevant details.