# EOSB User Manual

> How to use the Employee End-of-Service Benefits (EOSB) platform, step by step for each user.

- [EOSB user manual](https://docs.eosb.org/index.md): Step-by-step guides for everyone who uses the Employee End-of-Service Benefits platform.
- [How the platform works](https://docs.eosb.org/concepts/how-it-works.md): The big picture: why the EOSB platform exists, who takes part, and the three things it keeps track of.
- [Roles and responsibilities](https://docs.eosb.org/concepts/roles.md): Who does what on the EOSB platform, who approves it, and who can see it.
- [Onboarding organisations](https://docs.eosb.org/concepts/onboarding.md): How employers, trustees and fund managers join the platform: registration, verification, accounts and activation.
- [The employee lifecycle](https://docs.eosb.org/concepts/employee-lifecycle.md): From registration to payout: what happens to an employee's record and benefit at each step, and who is responsible.
- [How money flows](https://docs.eosb.org/concepts/money-flow.md): Every movement of money on the platform — into the trust, to and from the fund manager, on costs and out to employees — with who starts it and who confirms it.
- [SmartPay e-wallets](https://docs.eosb.org/concepts/e-wallets.md): How the platform uses SmartPay wallets to move benefit money: who gets a wallet, how payments are authorised, how they settle, and what happens when something goes wrong.
- [The monthly cycle](https://docs.eosb.org/concepts/monthly-cycle.md): What happens on the platform every month, who does what and when, and what runs automatically.
- [Liability and accruals](https://docs.eosb.org/concepts/liability-and-accruals.md): What an employer owes, how the platform keeps it up to date every month, and how to read the ledger it is recorded in.
- [Investments](https://docs.eosb.org/concepts/investments.md): How a trust's money is invested: portfolio frameworks, assets, valuations, snapshots, allocation variance and returns.
- [Approvals and controls](https://docs.eosb.org/concepts/approvals-and-controls.md): Every decision that needs a second person, how long it should take, the one-time codes, limits and evidence rules that protect the money.
- [Business rules](https://docs.eosb.org/concepts/business-rules.md): The rules the platform enforces, why each one exists, and the screen where you meet it.
- [Notifications](https://docs.eosb.org/concepts/notifications.md): Who the platform tells about what, and on which channels.
- [Status reference](https://docs.eosb.org/concepts/statuses.md): Every status you can see on the platform, what it means and who acts next.
- [Glossary](https://docs.eosb.org/concepts/glossary.md): Every term used on the EOSB platform, in plain words.
- [Start here](https://docs.eosb.org/employer/overview.md): What an employer does on the EOSB platform, how the pieces fit together, and how to use this guide.
- [Set your password](https://docs.eosb.org/employer/getting-started/set-password.md): Open the link in your account email and choose a password.
- [Sign in and find your way around](https://docs.eosb.org/employer/getting-started/sign-in.md): Sign in with your employer profile ID and learn the layout of the employer workspace.
- [Activation](https://docs.eosb.org/employer/activation.md): What has to be in place before your employer account is active, and how to check progress.
- [The Overview tab](https://docs.eosb.org/employer/overview-tab.md): Your headline figures and the organisations that manage your trust, on one screen.
- [Employee directory](https://docs.eosb.org/employer/employees/directory.md): Find, filter and open the employees registered under your organisation.
- [Register an employee](https://docs.eosb.org/employer/employees/register.md): Add one employee, review the details and submit.
- [Draft registrations](https://docs.eosb.org/employer/employees/drafts.md): Save an unfinished employee registration and finish it later.
- [Bulk upload employees](https://docs.eosb.org/employer/employees/bulk-upload.md): Add many employees from a CSV file. Every row is checked before anything is imported.
- [Employee record](https://docs.eosb.org/employer/employees/employee-record.md): See an employee's details and accrued benefit, and manage their trust assignment and opening balance.
- [Update employee records](https://docs.eosb.org/employer/employees/update-records.md): Change an employee's contact, employment and payout details. Some changes need approval.
- [Terminate an employee](https://docs.eosb.org/employer/employees/termination.md): End an employee's service and start the final settlement of their benefit.
- [EOSB trust](https://docs.eosb.org/employer/eosb-trust.md): See the trust that holds your employees' benefits, who manages it and the money paid into it.
- [Fund your EOSB trust](https://docs.eosb.org/employer/funding.md): Record a bank or mobile money payment for the trustee to confirm, or pay from your SmartPay wallet.
- [Transaction ledger](https://docs.eosb.org/employer/transaction-ledger.md): See how your total liability and funding are built up, month by month and employee by employee.
- [How benefits are calculated](https://docs.eosb.org/employer/how-benefits-are-calculated.md): How the platform works out each employee's benefit, and why your liability changes from month to month.
- [Approve fund manager budgets](https://docs.eosb.org/employer/budget-approvals.md): Approve or reject the expense budgets your fund manager submits for your trust.
- [Portfolio](https://docs.eosb.org/employer/portfolio.md): Follow how the fund manager has invested your trust's money. The page is read-only.
- [Your account](https://docs.eosb.org/employer/account.md): Notifications, profile, password, notification channels, sessions and signing out.
- [Key terms](https://docs.eosb.org/employer/key-terms.md): The words used on the employer screens and in this guide.
- [Messages and what to do](https://docs.eosb.org/employer/troubleshooting.md): Every message an employer may see, what it means and how to fix it.
- [Start here](https://docs.eosb.org/regulator/overview.md): What a regulator officer at MELSS does on the EOSB platform, how it fits with everyone else, and how to use this guide.
- [Sign in and find your way around](https://docs.eosb.org/regulator/getting-started.md): Get your regulator account, sign in and learn the layout of the regulator workspace.
- [Verify employers](https://docs.eosb.org/regulator/employer-verification.md): Review an employer's registration and evidence, and record your decision.
- [Verify trustees and fund managers](https://docs.eosb.org/regulator/provider-verification.md): Approve or reject the trustees who hold trust money and the fund managers who invest it.
- [Monthly accruals](https://docs.eosb.org/regulator/monthly-accruals.md): Review how much end-of-service benefit each employer added in a month, down to each employee.
- [Transaction ledger](https://docs.eosb.org/regulator/transaction-ledger.md): Inspect any active employer's EOSB liability postings, funding and classification.
- [Messages and what to do](https://docs.eosb.org/regulator/troubleshooting.md): Messages a regulator officer may see, what they mean and how to respond.
- [Start here](https://docs.eosb.org/trustee/overview.md): What a trustee does on the EOSB platform, how money moves through the trusts you hold, and how to use this guide.
- [Sign in and your dashboard](https://docs.eosb.org/trustee/getting-started.md): Get your trustee account, sign in and read the dashboard.
- [Confirm employer funding](https://docs.eosb.org/trustee/funding-approvals.md): Check each funding proof against the trust bank statement, then approve or reject it.
- [Approve benefit payments](https://docs.eosb.org/trustee/benefit-payments.md): Approve or reject the final settlement of an employee who has left.
- [Send money to the fund manager](https://docs.eosb.org/trustee/fund-management.md): Log the bank transfers you make from a trust to its fund manager.
- [Cash recognition](https://docs.eosb.org/trustee/cash-recognition.md): Approve recognitions that differ from what you sent, and confirm cash the fund manager returns.
- [Expenses and budgets](https://docs.eosb.org/trustee/expenses.md): Decide on fund manager expenses above SLE 100,000 and on their expense budgets.
- [Portfolio oversight](https://docs.eosb.org/trustee/portfolio-oversight.md): Review what the fund manager holds for your trusts, how it compares with policy, and how it has performed.
- [Start here](https://docs.eosb.org/fund-manager/overview.md): What a fund manager does on the EOSB platform, how cash moves through your mandates, and how to use this guide.
- [Your mandates](https://docs.eosb.org/fund-manager/getting-started.md): The home page: the trusts you manage and their portfolio frameworks.
- [Recognise cash from the trustee](https://docs.eosb.org/fund-manager/cash-recognition.md): Confirm how much of each trustee transfer reached your account — in full, short, or not at all.
- [Return money to the trust](https://docs.eosb.org/fund-manager/transfers-to-trust.md): Send benefit funding, investment income or surplus cash back to an EOSB trust.
- [Budgets and expenses](https://docs.eosb.org/fund-manager/expenses.md): Propose an expense budget, then post mandate expenses against it.
- [Statement of account](https://docs.eosb.org/fund-manager/statement-of-account.md): See, compare and download the cash movements you hold for each trust.
- [Portfolio frameworks](https://docs.eosb.org/fund-manager/portfolio-frameworks.md): Set up a trust's portfolio and the policy mix it must hold, then activate it.
- [Assets, income and valuations](https://docs.eosb.org/fund-manager/assets.md): Record what the portfolio buys, the income it earns, changes in value and write-offs.
- [Allocations and ROI](https://docs.eosb.org/fund-manager/allocations-and-roi.md): Compare each portfolio's holdings with its policy mix, and follow its returns.
- [Start here](https://docs.eosb.org/admin/overview.md): What the EOSB platform administrator does, and where each task lives.
- [Sign in and find your way around](https://docs.eosb.org/admin/getting-started.md): Get your platform administrator account, sign in and learn the layout of the admin workspace.
- [Register an employer](https://docs.eosb.org/admin/register-employer.md): Submit an employer's registration and documents for the regulator to verify, and follow it through to approval.
- [Set up and activate an employer](https://docs.eosb.org/admin/activation.md): Create the employer's EOSB trust, appoint the trustee and fund manager, confirm the bank account and activate the employer.
- [Work on an employer's behalf](https://docs.eosb.org/admin/employees.md): Register and update employees for an employer, and decide on employee record changes that need approval.
- [Register trustees and fund managers](https://docs.eosb.org/admin/providers.md): Submit official and independent trustees and fund managers for verification, and see the trusts each provider serves.
- [Pay out benefits](https://docs.eosb.org/admin/benefit-payouts.md): Pay employees whose final settlement the trustee has approved.
- [Run the monthly accrual](https://docs.eosb.org/admin/monthly-accruals.md): Calculate every employee's end-of-service benefit at a month-end, and follow up anything the run could not calculate.
- [Approvals monitor](https://docs.eosb.org/admin/approvals-monitor.md): See every decision the platform is waiting on, who holds it, and remind them when it is late.
- [User accounts](https://docs.eosb.org/admin/users.md): Create user accounts for every organisation, and send a new password link.
- [Benchmarks](https://docs.eosb.org/admin/benchmarks.md): Maintain the investment benchmarks that portfolio returns are measured against, and assign them to portfolios.
- [Payment service providers](https://docs.eosb.org/admin/psps.md): Register the payment service providers that collect employer contributions and send benefit payments, and control how they connect.


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