Repayment and evidence review

A repayment event carries the provider’s event identity, received date, amount and loan account. Its state can be unmatched, matched or an exception. Staff should compare the event with the account and the originating application before linking it to an application. A similar amount on another account is not the same event. The Auditor needs to see the provider identity and date behind a match.

Repayment schedules hold dated provider positions for an account, including ledger and available amounts and the snapshot identity. These positions help staff check whether recorded movements agree with what the provider reported. Disbursements hold signed direction through debit or credit values. Operation receipts give a separate trail for attempted actions and their actual effects, including an operation key, expected revision and result state.

• Repayment triage. Review unmatched and exception events against their loan account and provider identity.
• Position check. Compare dated provider snapshots with confirmed account movements.
• Operation verification. Inspect the receipt’s effect references before accepting a completed result.

Agree which provider event date is used to match repayments, how corrections arrive and who may resolve an exception. Decide how a provider snapshot is imported and how a revised snapshot is distinguished from the earlier one. Staff need a consistent rule for comparing USD movement amounts with the ledger position, especially when the account’s currency differs. Define who may mark an operation for review and who can investigate its failure reason.

A repeat request with the same operation key should refer to the original effect. If the receipt claims completion but the linked effect is absent, investigate the discrepancy; do not create a second external instruction to make the receipt look complete. Retain the original provider event and position while correcting a local association. This lets the team explain why a repayment remained unmatched or became an exception.

A repayment arrives for a loan account with a familiar amount. The Credit Officer compares its provider event identity and received date with the application and the dated account position. The amount matches, but the relevant date differs, so the repayment stays unmatched or becomes an exception. The Auditor can inspect that decision and the original event. When a corrected provider event arrives, the team reviews the new evidence and records the appropriate association without erasing the first event or silently changing a confirmed application.

• Unmatched Repayments — Events requiring an account and application evidence check.
• Open Operation Receipts — Pending, failed or review-needed effects with their failure reasons.

Use evidence reconciliation and provider outcome.