Applicant Intake

A financial application begins with an applicant record that the team can recognize later. The Case Analyst records the applicant number and name, checks the identity verification reference, and records when consent was signed. These details give the reviewer a stable starting point when an application or alert needs another look. A person with a pending verification remains visible in the queue; the Case Analyst should not treat a submitted application as proof that identity review has finished.

When an applicant is verified or declined, keep that outcome on the same record. The change should be understandable beside the consent date and identity reference. If the provider sends a corrected identity result, investigate the source and update the case deliberately. The team should agree who is allowed to make that correction and who checks it before related applications proceed.

• Verification queue. Pending applicants appear with the identity reference and consent date needed for review.
• Application link. Each application points to its applicant, so a credit decision can be traced back to the same person.
• Case context. A reviewer can inspect the applicant while examining assessment evidence or a fraud alert on a related application.

Choose the trusted identity source, the meaning of a signed consent time, and how staff handle a changed verification result. Decide who enters applicant records and who can mark a person verified or declined. Match existing applicant numbers before importing applications so the same person is not given competing case histories. Keep source references intelligible to the team that will answer a later audit question.

For a pilot, use an applicant with a pending result and a second one whose identity has been verified. Have a Case Analyst explain why the latter can move into application review and what evidence supports the change. This gives the Credit Reviewer a clear point of reference when the linked application reaches a decision.

Take an application with a named applicant and open its identity record. Read the consent time and verification reference, then compare them with the source result. If the identity result is declined, keep that state visible while the Case Analyst resolves the case. If it is verified, the reviewer can continue to the application and its assessment evidence. A Fraud Investigator following an alert should reach the same applicant through the application link, rather than relying on a name copied into a note.

• Applicants Verification Queue — Pending applicants with the identifiers and consent details needed for verification.
• Applications Review Queue — Submitted and reviewing applications linked to the applicant record.

See applicant and application review for the next handoff, and implementation for a pilot sequence.