What is an enrolment?

The enrolment process allows Stream to receive and send data to/from a customer's People system of record. This primarily occurs during an exchange of personal and Stream-generated data to provide us with the correct Employee details (including banking details). This page describes the current behaviour of these integrations during enrolment.

When an employee downloads the Stream app from either iOS or Android stores and signs up, they initiate the enrolment process.

During this process, an exchange of banking details happens: this includes beneficiary banking details of the employees, which are provided to us.

A unique Stream bank account is created using the beneficiary bank details. This Stream bank account is called a 'reconciliation account' and replaces the original beneficiary bank account in the client’s People/HRIS/Payroll system - or any other system through which any salary payments typically go through.

If the employee makes any transfers during a pay period, Stream will intercept the salary, deduct the transfer(s) and fee(s) related to any wages drawn on, followed by forwarding of the rest of the money to employee’s beneficiary bank account.

The below table describes the sequence of actions and states in actions-based banking report:

Here, the State column is used to indicate current enrolment status of the employee from the point of Stream. This is not used for managing the enrolment cycle by you.

However, the Action column is relevant for banking details exchange. Any time the action is something other than NONE, Stream will ask the user of the report to perform an operation in the People/HRIS/Payroll system as per the descriptions below:

Action	State	Sort Code	Account number	Comments
PENDING	PENDING	<empty>	<empty>	The Employee has signed up for the Stream service. We request beneficiary banking details sent to us so we can generate Stream bank account (reconciliation account)
TO_COMPLETE	PENDING	400072	12345678	Stream has received beneficiary bank account, generated the reconciliation account, and requests to set the provided sort code and account number in your system of record
NONE	ENROLLED/ACTVE	040072	12345678	Stream bank account has been confirmed to be in your payroll system, employee is enrolled and no further action is required at this time
TO_COMPLETE	ENROLLED/ACTIVE	040072	12345678	Stream bank account has been replaced by another bank account (usually employee changed banks, such as HSBC to Barclays). Stream has linked the new beneficiary account to Stream account and requests to set the provided sort code and account number in your payroll system

The 'State' column is used to indicate current enrolment status of the employee from the point of Stream.

This is not used for managing the enrolment cycle by the customer. However, the Action column is relevant for banking details exchange. Any time the action is something other than NONE, Stream will ask the user of the report to perform an operation in the system of record as per the descriptions below.

Unenrolment

An enrolled employee can leave the Stream service in two ways: Termination - the employee is leaving your organisation, therefore Stream receives a termination date Opt out - the employee still works in your organisation but decides Stream does not meet their expectations and chooses to leave the service

In both instances, access in the app is disabled immediately and unenrollment is initiated. Its purpose is to undo the enrolment process.

Described in the previous section: there is an exchange where an employee's bank details replace the Stream bank details with beneficiary bank details so that any future salary payments go directly to the employee, rather than Stream as they do for any enrolled employee

An unenrolment is done in two steps:

Initiation - either termination or opt out event is detected by Stream
Completion - Stream receives a confirmation that beneficiary bank details are set in your payroll system

In addition, opt out from the service is also treated by Stream as an explicit request by the employee to stop any further data processing about them (even if you continue sending data about them).

The following table describes expected bank details report actions and states over the unenrolment process:

Action	State	Sort code	Account Number	Comment
NONE	Disabled	040072	12345678	Employee was terminated. However, due to some outstanding transactions, Stream requires no action yet because we need to settle all outstanding debts in the next salary run
TO_UNENROLL	DISABLED	123456	87654321	Employee was terminated, has no outstanding debts. Stream requires provided sort code and account number to be set in your payroll system
NONE	DISABLED	123456	876543212	Employee was terminated, has no outstanding debts. Stream requires no action because unenrolment was completed
NONE	OPTOUT	040072	12345678	Employee initiated an opt out. However, due to some outstanding transactions, Stream requires no action yet because we need to settle all outstanding debts in the next salary run
TO_UNENROLL	OPTOUT	123456	87654321	Employee initiated an opt out, has no outstanding debts. Stream requires provided sort code and account number to be set in your payroll system
NONE	OPTOUT	123456	87654321	Employee has completed the opt out, has no outstanding debts. Stream requires no action because unenrolment was completed