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Internal CDD Checks, Risk Category, we can be sure the Rakan is a trusted…
Internal CDD Checks
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Delinquency Check
If the user is identified to be delinquent, the system can proceed to check CDD.
CDD Check
If the user has been identified with a risk category the user should fill a mandatory EDD questionnaire and be allowed to proceed with the flow. However, they cannot use the financing products until their profile is verified manually.
Narratives
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If the user is identified to be under a risk category display an additional EDD questionnaire which is optional to fill.
If the user is identified to be under a Compliance Risk Category, the EDD questionnaire should be mandatory to fill.
The questionnaire answers should be included in the email to Compliance team. This is called Enhanced Due Diligence (EDD).
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For release 1 the EDD questionnaire should be mandatory for all risk categories. Final requirement is to all
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If below Risk Categories are identified an email should be sent to the Compliance team with the customer details to manually verify. No questionnaire needed.
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Limitations
For the release 1 any customer with a risk category should be prompted to fill the questionnaire.
However, the final requirement is to allow all risk categories to fill the questionnaire but only for the sanctions should it be mandatory.
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