ENBD Business Online user roles & approvals (maker-checker)

Most business online banking risks come from unclear roles. A simple permissions model can prevent costly mistakes.

Common role types

• Admin: manages users, limits, and access settings.
• Maker: creates payments/requests (but cannot release alone).
• Checker/Approver: reviews and authorizes.
• Viewer: read-only statements and reports.

Why maker-checker is a SmartBusiness default

• Prevents single-person release of payments.
• Improves auditability and accountability.
• Reduces errors by adding a review step.

Best-practice setup

1. Limit admins to 1–2 trusted people.
2. Set payment limits by role and by user.
3. Require two approvals for high-value transfers.
4. Review beneficiary additions weekly.
5. Audit access after staff changes.

Next: ENBD Business Login guide and SmartBusiness routines.