Ameriabank Engages Bever to Support Ongoing Enhancements and New Feature Implementation in Dynamics 365

Ongoing development and support of a Microsoft Dynamics 365–based ERP platform for Ameriabank. The solution contains four major areas: retail lending, corporate/SME lending, non-performing asset (NPA) management, and card operations.

More than 800 employees use the system daily as the bank's core operational platform.

Main functionality includes:

1. Customer onboarding — registering individuals and companies with full KYC data and a 360-degree customer profile.
2. Integration with ACRA and other credit-scoring providers to automatically evaluate borrower risk.
3. Loan lifecycle management — application processing, internal approvals, and committee voting by loan officers.
4. NPA management — opening and tracking delinquency cases and integration with court/legal systems to recover pledged assets.
5. Card lifecycle — managing card requests from application to issuance and delivery tracking.
6. ERP processes for retail department operations.

Functional Automation Capabilities

Customer Onboarding & KYC

• OCR extraction of passport/ID data with automatic population of KYC fields
• Automatic sanctions and PEP screening during onboarding
• Duplicate customer detection (phone, ID, address matching)
• Automated customer risk classification (low / medium / high)
• Notifications for expired identification documents

Credit Scoring & Loan Approval

• Automated preliminary credit assessment prior to manual review
• Rule-based rejection (blacklists, arrears, minimum income thresholds)
• Dynamic loan terms recommendation (amount, duration, interest range)
• Detection of abnormal income or transaction patterns
• Automatic preparation of loan committee decision summaries

Loan Lifecycle Management

• Payment reminders via SMS, email, or mobile banking notifications
• Early warning indicators for potential default
• Assisted restructuring recommendations
• Automatic recalculation of repayment schedules after amendments
• Automatic calculation of penalties and late fees

NPA & Collections Management

• Priority scoring of delinquent cases for collection officers
• Recommended contact time for debtor communication
• Automatic generation of legal and claim documentation
• Court deadline tracking with alerts to responsible staff
• Recovery probability estimation and expected recovery forecasting

Card Operations

• Customer notifications for card production and delivery stages
• Suspicious transaction detection alerts
• Automatic temporary card blocking rules
• Credit limit increase recommendations
• Automatic renewal processing for expiring cards

Internal Operations & Employee Efficiency

• Operational performance tracking (processing time, accuracy, workload)
• Bottleneck detection in approval workflows
• Automatic assignment of cases based on workload balancing
• Conversation/call transcript summarization for review
• Management dashboards for daily operational monitoring

The implementation lasted about four years and is currently in continuous improvement and support. As of early 2024, Ameriabank's valuation was about $337M with assets above AMD 1 trillion, confirming its position among Armenia's leading banks.