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Corporate Lending Customer Lifecycle

Complete Enterprise FEC Operating Model

Purpose

This document describes the complete Financial Economic Crime (FEC) lifecycle for a Corporate Lending customer from first contact through final offboarding.

The objective is to provide a complete enterprise view of:

  • customer lifecycle

  • process instances

  • events

  • alerts

  • cases

  • decisions

  • risk assessments

  • screening activities

  • investigations

  • regulatory reporting

  • governance activities

This model assumes a configurable, event-driven FEC operating platform.

1. Corporate Lending Customer Lifecycle

Prospect
↓
Intake
↓
Onboarding
↓
Activation
↓
Active Relationship
↓
Restriction (Optional)
↓
Offboarding
↓
Archive

Every phase generates:

  • Events

  • Tasks

  • Alerts

  • Cases

  • Decisions

  • Risk Assessments

2. Prospect Phase

Process Types

Prospect Qualification

Events

  • ProspectCreated

  • ProspectUpdated

  • ProspectQualified

  • ProspectRejected

Possible Alerts

  • ProhibitedIndustryAlert

  • ProhibitedJurisdictionAlert

Possible Cases

  • ProspectReviewCase

Early Screening

Screening Types

  • Sanctions

  • Internal Watchlist

  • PEP

  • Adverse Media

Events

  • EarlyScreeningStarted

  • EarlyScreeningCompleted

  • EarlyScreeningHitDetected

Alerts

  • SanctionsAlert

  • PEPAlert

  • AdverseMediaAlert

Cases

  • ScreeningCase

Outcomes

  • Proceed

  • Escalate

  • Reject

3. Intake Phase

Application Intake

Events

  • ApplicationCreated

  • ApplicationSubmitted

  • ApplicationUpdated

  • ApplicationWithdrawn

Data Collection

Events

  • CustomerDataCaptured

  • CustomerDataUpdated

Alerts

  • MissingMandatoryDataAlert

Cases

  • DataRemediationCase

Document Collection

Events

  • DocumentRequested

  • DocumentUploaded

  • DocumentValidated

  • DocumentRejected

  • DocumentExpired

Alerts

  • MissingDocumentAlert

  • InvalidDocumentAlert

Cases

  • DocumentationCase

4. Onboarding Phase

This is the largest onboarding process.

Customer Due Diligence

Events

  • CDDStarted

  • CDDCompleted

  • CDDFailed

Cases

  • KYCCase

UBO Discovery

Events

  • UBOIdentified

  • UBOAdded

  • UBORemoved

  • UBONotFound

Alerts

  • MissingUBOAlert

  • ComplexOwnershipAlert

Cases

  • OwnershipInvestigationCase

Name Screening

Screening Lists

  • OFAC

  • EU

  • UN

  • UK

  • Internal Lists

Events

  • ScreeningRequested

  • ScreeningCompleted

  • ScreeningHitDetected

Alerts

  • SanctionsAlert

  • WatchlistAlert

Cases

  • ScreeningCase

PEP Screening

Events

  • PEPDetected

  • PEPConfirmed

  • PEPDismissed

Alerts

  • PEPAlert

Cases

  • PEPReviewCase

Adverse Media Screening

Events

  • AdverseMediaDetected

  • AdverseMediaEscalated

Alerts

  • AdverseMediaAlert

Cases

  • AdverseMediaCase

ESG Screening

Events

  • ESGRiskDetected

  • ESGRiskConfirmed

Alerts

  • ESGAlert

Cases

  • ESGReviewCase

Customer Risk Assessment

Risk Components

  • Geographic Risk

  • Industry Risk

  • Product Risk

  • Ownership Risk

  • PEP Risk

  • Adverse Media Risk

  • ESG Risk

  • Network Risk

Events

  • RiskAssessmentStarted

  • RiskCalculated

  • RiskBandAssigned

Alerts

  • HighRiskCustomerAlert

Cases

  • RiskReviewCase

Network Analysis

Events

  • NetworkAnalysisStarted

  • HighRiskConnectionDetected

  • CriminalAssociationDetected

Alerts

  • NetworkAlert

Cases

  • NetworkInvestigationCase

Enhanced Due Diligence

Triggers

  • High Risk

  • PEP

  • Adverse Media

  • Complex Ownership

  • High Risk Jurisdiction

Events

  • EDDStarted

  • EDDCompleted

  • EDDApproved

  • EDDRejected

Cases

  • EDDCase

Compliance Approval

Events

  • ApprovalRequested

  • ApprovalGranted

  • ApprovalRejected

Cases

  • ApprovalCase

5. Activation Phase

Events

  • CustomerActivated

  • AccountOpened

  • FacilityCreated

  • ProductActivated

Monitoring Enrollment

Events

  • MonitoringEnabled

  • ReviewScheduleCreated

Initial Risk Baseline

Events

  • BaselineRiskStored

  • ExpectedBehaviorProfileCreated

6. Active Relationship

This is where most FEC workload occurs.

6.1 Continuous Screening

Nightly Screening

Executed daily.

Screening Targets

  • Customer

  • UBO

  • Directors

  • Signatories

  • Related Parties

Events

  • NightlyScreeningStarted

  • NightlyScreeningCompleted

Possible Alerts

  • SanctionsAlert

  • PEPAlert

  • AdverseMediaAlert

  • ESGAlert

Cases

  • ScreeningCase

  • EscalationCase

List Update Driven Screening

Trigger

  • OFAC Update

  • EU Update

  • UN Update

  • Internal List Update

Events

  • ListUpdated

  • RescreeningTriggered

Alerts

  • NewSanctionsHitAlert

Cases

  • SanctionsReviewCase

6.2 Customer Risk Management

Risk Reassessment

Triggers

  • Periodic Review

  • Ownership Change

  • New Product

  • Adverse Media

  • PEP Change

  • Network Change

Events

  • RiskReassessmentStarted

  • RiskScoreChanged

  • RiskBandChanged

Alerts

  • RiskIncreaseAlert

  • VeryHighRiskAlert

Cases

  • RiskReviewCase

Risk Overrides

Events

  • RiskOverrideRequested

  • RiskOverrideApproved

  • RiskOverrideRejected

Cases

  • PolicyExceptionCase

6.3 Periodic Review

Low Risk

Every 3 years

Medium Risk

Every 2 years

High Risk

Annually

Very High Risk

Every 6 months

Events

  • PeriodicReviewScheduled

  • PeriodicReviewStarted

  • PeriodicReviewCompleted

Subprocesses

  • KYC Refresh

  • Screening Refresh

  • Ownership Refresh

  • Risk Recalculation

Cases

  • PeriodicReviewCase

6.4 Event Driven Review

Triggers

  • Ownership Change

  • Director Change

  • PEP Status Change

  • Adverse Media

  • ESG Incident

  • Large Alert

  • Regulatory Request

Events

  • EventReviewStarted

  • EventReviewCompleted

Cases

  • EventReviewCase

6.5 Transaction Monitoring

Events

  • TransactionReceived

  • ScenarioTriggered

  • AlertGenerated

Alert Types

  • Structuring

  • Unusual Volume

  • High Risk Geography

  • Rapid Movement

  • Round Tripping

Cases

  • AMLInvestigationCase

6.6 Transaction Screening

Events

  • PaymentReceived

  • ScreeningExecuted

Alerts

  • PaymentSanctionsAlert

Cases

  • TransactionScreeningCase

6.7 Network Monitoring

Events

  • NetworkChangeDetected

  • HighRiskAssociationDetected

Alerts

  • NetworkAlert

Cases

  • NetworkInvestigationCase

6.8 Adverse Media Monitoring

Events

  • MediaHitDetected

  • MediaRiskEscalated

Alerts

  • AdverseMediaAlert

Cases

  • AdverseMediaInvestigationCase

6.9 ESG Monitoring

Events

  • ESGIncidentDetected

Alerts

  • ESGAlert

Cases

  • ESGInvestigationCase

7. Investigation Layer

Investigations may originate from any alert.

AML Investigation Case

Inputs

  • TM Alerts

  • Customer Risk

  • Historical Activity

Outputs

  • False Positive

  • No Suspicion

  • Suspicion Confirmed

Screening Investigation Case

Inputs

  • Sanctions Alerts

  • PEP Alerts

Outputs

  • False Positive

  • True Hit

KYC Investigation Case

Inputs

  • Missing Information

  • Ownership Concerns

Outputs

  • Remediation

  • EDD

  • Reject

Network Investigation Case

Inputs

  • High Risk Connections

Outputs

  • Risk Escalation

  • EDD

  • SAR Candidate

8. Regulatory Reporting

SAR Process

Events

  • SARCandidateCreated

  • SARDraftCreated

  • SARApproved

  • SARSubmitted

  • SARAcknowledged

Cases

  • SARCase

Regulatory Inquiry

Events

  • RegulatoryRequestReceived

  • RegulatoryResponseSubmitted

Cases

  • RegulatoryResponseCase

9. Restriction Phase

Possible Controls

  • Relationship Freeze

  • Payment Restriction

  • Product Restriction

  • Manual Approval Requirement

Events

  • RestrictionApplied

  • RestrictionRemoved

Cases

  • RestrictionCase

10. Offboarding

Triggers

  • Confirmed Sanctions Hit

  • Criminal Activity

  • Regulatory Requirement

  • Business Exit

  • Customer Request

Events

  • OffboardingStarted

  • OffboardingApproved

  • CustomerOffboarded

Cases

  • OffboardingCase

11. Archive

Events

  • RetentionStarted

  • RetentionCompleted

Processes

  • Evidence Preservation

  • Regulatory Retrieval

  • Audit Reconstruction

12. Enterprise Case Inventory

KYC Cases

  • KYCCase

  • DocumentationCase

  • OwnershipCase

Screening Cases

  • ScreeningCase

  • SanctionsCase

  • PEPCase

  • AdverseMediaCase

  • ESGCase

Risk Cases

  • RiskReviewCase

  • EDDCase

Investigation Cases

  • AMLInvestigationCase

  • NetworkInvestigationCase

Regulatory Cases

  • SARCase

  • RegulatoryResponseCase

Governance Cases

  • PolicyExceptionCase

  • RiskOverrideCase

  • ConfigurationApprovalCase

  • ModelApprovalCase

Operational Cases

  • RestrictionCase

  • OffboardingCase

13. Enterprise Alert Inventory

Screening Alerts

  • SanctionsAlert

  • PEPAlert

  • AdverseMediaAlert

  • ESGAlert

Risk Alerts

  • HighRiskCustomerAlert

  • RiskIncreaseAlert

Monitoring Alerts

  • TransactionMonitoringAlert

  • NetworkAlert

Operational Alerts

  • MissingDocumentAlert

  • MissingUBOAlert

  • SLAAlert

Governance Alerts

  • PolicyViolationAlert

  • ModelDriftAlert

14. Enterprise Event Inventory

Customer Events

Screening Events

Risk Events

Monitoring Events

Transaction Events

Case Events

Task Events

Decision Events

Governance Events

Regulatory Events

System Events

Every object in the ecosystem must ultimately generate events. Events are the immutable source of truth, while Process Instances provide the operational view used by analysts, compliance officers, auditors, and regulators.