What states should a KYC workflow include first?

Start with draft, submitted, awaiting evidence, vendor check pending, manual review, needs correction, approved, rejected, suspended, expired, and recheck required. Add more states only when a real operator decision, customer message, or audit requirement needs them.

Should KYC vendor responses be stored directly on the customer record?

Keep raw vendor snapshots, normalized verification results, reviewer decisions, and customer profile fields separate. That makes retries, provider changes, evidence retention, role access, and audit review easier to control.

Can a KYC workflow prototype use real documents?

A public or early prototype should not use real IDs, selfies, addresses, business ownership records, or sanctions matches. Use synthetic documents, mock provider responses, and blocked production actions until compliance and data-handling rules are approved.

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Fintech · 2026-06-17

KYC workflow states, document review, and exception queues

A useful KYC workflow is a state machine with evidence boundaries, normalized vendor results, exception queues, reviewer decisions, audit logs, and retention controls.

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