SSA - POMS: GN 02402.356 - Coding Brazilian Bank Data on the Master Beneficiary Records (MBR)

A. Background for coding Brazilian bank data

This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Brazil. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit.

Special coding identifies the bank data as a Brazil direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Brazil to the beneficiary's local FI.

If you receive an IDD request in a U.S. domestic (i.e, non-border) field office (FO), forward all appropriate information to the Office of Earnings and International Operations, (OEIO), Division of International Operations (DIO) to process.

For detailed instructions on IDD requests and forwarding information, see

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GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.
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GN 02402.205 Direct Deposit Enrollment Outside the U.S.
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GN 01010.255 Adjudication of Foreign Claims
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GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

B. How we receive IDD bank data

We receive requests to input bank data by mail, phone, or fax in the following formats:

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Blank check,
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SSA-1199-OP93 International Direct Deposit Signup Form for Brazil; or
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Any document that contains required banking information.

If you receive information with discrepancies, see the following instructions:

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GN 00203.020 Identity of Claimants
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GN 02402.025 Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Brazil will have a prefix of “66” at the beginning of the Routing Transit number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “B” assigned to Brazil.

D. Overview of IDD for Brazil

IDD payments sent to Brazil must be in Brazilian Real (BRL) accounts at local FIs. The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the FBU that serves Brazil. The FBU contacts the beneficiary or FI for additional information.

E. Description of Brazilian IDD bank data

The data for coding IDD for Brazil comes from banks determined by the FRBKC. Beneficiaries need to ask their bank to provide the bank and branch number for enrollment. Additionally, technicians must derive the account number from the last 12 digits of the International Bank Account Number (IBAN) provided by the beneficiary. The bank data for Brazil consists of 19 characters. However, the bank data reflected on the MBR will reflect up to 24 characters including the country code of B for Brazil.

F. Procedure for coding Brazilian bank data

The FRBKC relies on us to provide the complete bank data to ensure correct posting of payments to a customer’s account. If the information is incomplete, the FRBKC rejects the payment and returns the funds to our agency.

You may establish or change IDD bank data for Brazil using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

You must then go to ITS.gov to enter the following data:

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first and last name of the beneficiary
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payee indicator
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enrollment status
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country
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account type
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account ownership
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3-digit bank code
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4-digit branch code
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12-digit account number
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beneficiary address
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11-digit tax ID (in "Beneficiary ID" field)

1. Process initial award

Secure the beneficiary’s Tax ID and the last 12 digits of the IBAN at the time of filing. You must update ITS.gov with the bank account information prior to processing an initial award to ensure that the beneficiary receives payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to our agency.

NOTE: If there is dire need or hardship involved, advise the beneficiary of the option of initiating payment via a paper check. Inform the beneficiary that the bank may charge for cashing the check. If the beneficiary chooses the option of paper check, the FBU documents and processes the initial claim.

2. Add or update bank data using SSA systems

When you add or update IDD bank data using an SSA system (e.g. Post Entitlement Online System (POS), MACADE), you must:

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update ITS.gov on the same day;
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enter all POS direct deposit changes according to normal procedures;

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use procedures outlined in the following chart when processing within four business days of the current operational month (COM) cutoff date.

Step	Action
1	Are you coding an initial claim? If yes, go to step 3. If no, go to step 2.
2	Is the beneficiary's address on the MBR in a foreign country (PCOC = 8)? If no, STOP. REASON: The MBR does not accept the IDD information unless the address is in a foreign country. If yes, go to step 3.
3	Is the beneficiary's account a BRL account in Brazil? If no, STOP. REASON: Beneficiaries in Brazil can only receive IDD payments in BRL accounts. If yes, go to step 4
4	Code the 9-digit RTN for Brazil as follows: • Start with the prefix of "66" (the multi-country prefix SSA has designated Brazil); • Code the 3-digit bank code; • Code the first 3 digits of the 4-digit branch code; and • Code the U.S. check digit obtained through Title II Interactive Comps.
5	Code the account type: – “S” for savings, or – “C” for checking. If the beneficiary does not indicate an account type, use a “C” for checking account.
6	Code the DAN for Brazil as follows: • Start with the country code of “B” designated for Brazil; • Code the last digit of the branch code; and • Code the last 12 digits of the IBAN provided by the beneficiary (which is the customer account number).
7	You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.473F. You must access ITS.gov or ask a co-worker to update the required information into ITS.gov. REMINDER: When information is not available, FRBKC rejects the payment and returns it to our agency.

G. Example of coding Brazilian direct deposit

The customer provides us with a signup form for Brazil containing the following information:

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Bank Code: 123
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Branch Code: 4567 and
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Last 12 digits of the IBAN: 890987654321.

1. Derive the RTN

The technician enters the information for the RTN.

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Prefix of “66” (the multi-country prefix for Brazil);
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3-digit bank code “123”;
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First 3-digits of the branch code “456”;
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1-digit check code (i.e., 8) (obtained from the Title II Interactive Comps); and
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Account type of “C” for checking or an “S” for savings. If no account type indicated, use a “C” for checking.

2. Derive the DAN

The technician codes the DAN.

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Start with “B” designated for Brazil;
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Code the last digit of the branch code “7”; and
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Code the last 12 digits of the IBAN “890987654321."

3. Obtain the following information

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RTN: 661234568
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Checking
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DAN: B7890987654321

a. POS reflects the direct deposit information

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DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 661234568 ACCOUNT TYPE (C/S): C
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DEPOSITOR ACCOUNT NUMBER: B7890987654321
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CANCEL DIRECT DEPOSIT (Y):
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DIRECT EXPRESS (Y):

b. The MBR reflects the following information

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RTN- 661234568
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DAN- CB7890987654321

H. References

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GN 00203.020 Identity of Claimants
•

GN 01010.255 Adjudication of Foreign Claims
•

GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization
•

GN 02402.025 Direct Deposit Post Entitlement Interview
•

GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.
•

GN 02402.205 Direct Deposit Enrollment Outside the U.S.
•

ITS.gov International Treasury Services (U.S. Treasury system)

Social Security

Program Operations Manual System (POMS)

GN 02402.356 Coding Brazilian Bank Data on the Master Beneficiary Records (MBR)