American Express @ Work® Access Key - Overview and ...

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American Express @ Work? Access Key - Overview and Instructions

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Understanding the benefits of access key functionality

The American Express @ Work Access Key functionality allows employees to apply for Corporate Cards online while enabling the Program Administrator to maintain control of the process.

? When Cardmembers apply online, it eliminates 1)Program Administrator keying of applications, 2)Illegible handwriting and 3) Missed fields that can delay the application submission.

? Program Administrators can electronically send the employee an application, review completed applications and electronically approve them for submission with a few clicks of a mouse. Program Administrators may also set up approval routing to electronically notify other managers for approval authority when a new application is submitted by an employee.

? Cardmembers with an email address receiving system updates on the progress of their application, eliminating the need to call the Program Administrator for updates.

? This document is an overview of the Access Key process ? how to set up, share with employees to submit a Card application and set up an electronic approval process for quick Card application submissions.

The Access Key can help save time and provide greater efficiency. As a program administrator, Access Key is one way to help you achieve greater business success.

Traditional paper application process

Processing paper Card applications tends to be manual and labor-intensive.

Employee receives or has to track down copy

of a Card application

Employee may fill application out by hand

instead of typing it before printing

Employee is responsible for getting

Mgr approval

Program Administrator (PA) faxes the

application to American Express for processing

American Express rekeys the faxed application for

processing

PA manually matches Employee to a Basic Control Account (BCA) and inputs BCA on

application

If Approved

If Declined

Employee faxes approved application to

PA

American Express processes the application within 3 days, Card received in 7-10 days

Employee notified by mail within 710 days of decline. Hold up of application may be due to

incorrect/incomplete information

Common inefficiencies in traditional paper application process

Applications are not associated to a Basic Control Account Incorrect and/or missing information Applicant has to track down approver to get signature No validation of manager approval Illegibility of applications Multiple calls to PAs to check application status

Online application processing ? two options

Employee initiated "Apply for Card" - The program administrator has employees complete Card applications online using the Access Key that was created. They may be routed to management and the PA for approval and submission to American Express.

NOTE: If the employee submits an application using the Access Key functionality, this is considered a "signed" application and a full credit inquiry is performed.

PA initiated "Apply for Card" - The PA may complete and submit Card applications online on behalf of employees.

NOTE: If a PA submits an application on behalf of an employee, only limited information would be obtained about the employee's credit history. As a result, employees who would otherwise be identified by us as having a poor credit history would be eligible for Flexible Spending features. This may lead to higher delinquencies within your Company's Corporate Card Program.

Access key application process

The online process simplifies the application submission and approval process with American Express @ Work.

Employee completes their own application online using

Access Key

Approving Manager sends email notifying PA of

employee-submitted Card application (if applicable)

PA approves and sends electronic application to

American Express

If Approved

American Express processes the application within 3 days; Card

received in 7-10 days

If Declined

Employee notified by mail within 7-10 days of decline.

Log in to American Express @ Work ?

Access Enter your ID and password and click GO

Create Access Key ? Step 1 of 4

? From the Card Accounts section, select the Process Applications link .

? To the right, Click on Create & Manage Access Key link.

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