Team & referrers

Every negotiator has a referrer (the person who brought them in). The referrer chain is what the override engine walks when a deal closes — it is also what makes the payout auditable.

SAMPLE DATA

Active negotiators

3 inactive — tag or insurance lapsed

Group sales YTD

RM 184,500

personal RM 61,200 · group RM 123,300

Override pool YTD

RM 18,495

cap 10% of group fees (applied per tier gap)

Compliance flags

1 tag expiring · 1 insurance expiring

1 Management upline (who supervises whom) — referral record shown separately

Zahir MJAgency Head · PEA 2684introduced by: Hamdan Hussin (external) · record only, not a payee · no REN/PEA → RM0 override
Nadia RahmanL6 · Group Leader · 90%referrer: Zahir MJ
Faizal OmarL4 · Senior negotiator · 75%referrer: Nadia Rahman
Aisy KarimL2 · Negotiator · 6%0%referrer: Faizal Omar
Ameer HaziqL2 · Negotiator · 6%0%referrer: Faizal Omar

IQI's My Team screen records exactly this: a Referrer column next to Title, with personal and group sales side by side. Our version adds the level used by the payout engine.

2 Team performance

Name	Title	Referrer	Level	Personal sales	Group sales	Override earned	Status
Zahir MJ	Agency Head	Hamdan Hussin	—	61,200	184,500	—	ACTIVE
Nadia Rahman	L6 · Group Leader	Zahir MJ	90%	48,900	123,300	6,780	ACTIVE
Faizal Omar	L4 · Senior negotiator	Nadia Rahman	75%	32,400	74,400	4,120	ACTIVE
Aisy Karim	Negotiator	Faizal Omar	60%	18,600	—	—	ACTIVE
Ameer Haziq	Negotiator	Faizal Omar	60%	0	—	—	INACTIVE
Kumar Raj	Negotiator	Nadia Rahman	70%	44,100	—	—	TAG EXPIRING

3 How an override is triggered

Rule set (config)

Override is paid on closed deals only — never on recruitment, never on a joining fee.
Override comes out of the agency share, is labeled Marketing Bonus, and posts to its own account code (602-150) — never merged into the declared commission line (602-100).
Levels are earned on production (closed production, rolling 12 months) — exactly as in the ladder: L1 REN tag + onboarding · L2 RM600k · L3 RM1.5m · L4 RM2.5m + 2 mentored agents · L5 RM3.5m + 3 producing agents · L6 RM6m + 2 team leaders.
Qualification: a leader only earns override on a member in the month the member completes a deal, and only while the leader keeps 3 personally-closed deals per year.
Referrer ≠ leader: the referral record (who introduced whom) carries no payment right. Override runs on the management upline only, and only to registered, active agents (Act 242).
Rate versioning: rates are locked to the version in force when the agreement was signed (v1.0, effective 01 Jan 2026). A ladder change applies to new agreements only — it never rewrites what an existing agent already signed.
Cap + clawback: override stops at the annual cap; if a deal falls through after payout, the engine raises a clawback against the next run.

Worked example

Negotiator Aisy (level 60%) closes a subsale with a fee of RM10,000. The chain that pays is her management upline (who supervises her, not who introduced her): Faizal Omar (L4 · 75%) → Nadia Rahman (L6 · 90%, override capped at 10%). A referrer who is not her leader is kept as a record and is paid RM0.

Bucket	%	RM
Negotiator's commission (declared)	40%	4,000
Marketing Bonus — Aisy (L2 · 60%)	20%	2,000
Override — Faizal (gap 60% → L4 · 75%)	15%	1,500
Override — Nadia (L6 · cap 10%, tier gap 15% → capped)	10%	1,000
Agency residual	15%	1,500
Total	100%	10,000

Only the first line is commission. Everything else is a Marketing Bonus paid from the agency share — the same wording discipline as the IQI vouchers.

Zentra Realty prototype · Team & referrers · levels, caps and qualification rules are placeholders for Zahir to set
Sample data for review only.