Dual-approval maker-checker workflow that enforces compliance at every step. No verification decision goes unchecked, no audit trail goes incomplete.
The Checker Module implements a rigorous maker-checker paradigm where every verification goes through a two-stage approval process. The maker (verification agent) completes the initial KYC session and submits their assessment. A designated checker (supervisor) then independently reviews the evidence, recordings, and extracted data before rendering a final decision. This dual-control mechanism eliminates single-point-of-failure risks, satisfies regulatory mandates for segregation of duties, and creates a tamper-proof audit trail that stands up to the most demanding compliance audits.
Define multi-tier approval chains where agents submit verifications and supervisors independently review every decision. Configure rules for auto-assignment, escalation thresholds, and mandatory review criteria based on risk level or customer segment.
Prioritized queues automatically sort pending reviews by urgency, SLA deadline, and risk score. Supervisors see high-priority cases first, with real-time counters showing queue depth and average wait times to prevent bottlenecks.
Every action -- from initial submission to final approval or rejection -- is logged with timestamps, user identities, and decision rationale. Generate audit reports for regulatory submissions with a single click, covering any date range or case subset.
The verification agent (maker) conducts the video KYC session, captures documents, performs identity checks, and submits their assessment with all supporting evidence attached to the case file.
The case enters the checker queue where a supervisor independently reviews the video recording, document extractions, face-match scores, and agent notes. They can approve, reject, or send back for re-verification.
Upon checker approval, the case is finalized with a complete audit log capturing both maker and checker decisions, timestamps, and rationale. The immutable record is available for compliance reporting and regulatory review.
The RBI Master Direction on KYC (updated 2023) and the Video-based Customer Identification Process (V-CIP) circular mandate that no single individual may both conduct and approve a video KYC verification. Our Checker Module enforces this segregation of duties at the system level, making it impossible for the same user to act as both maker and checker on any case.
Every maker submission and checker decision is recorded with immutable timestamps, user identity, IP address, and decision rationale. These audit trails satisfy requirements under RBI's Master Direction on IT Governance (2023) and SEBI Circular SEBI/HO/MIRSD/DoP/P/CIR/2023/37 for maintaining verifiable records of customer due diligence activities.
Configurable SLA timers ensure checker reviews are completed within regulatory timeframes. Cases approaching breach thresholds are automatically escalated to senior supervisors. This aligns with RBI's expectation under the Risk-Based Approach guidelines that institutions maintain timely completion of CDD processes without undue delay to customers.
Access controls enforce that makers, checkers, and supervisors operate within distinct permission boundaries. This satisfies the Internal Audit and Compliance requirements under RBI's Guidelines on Managing Risks in Outsourcing and the IRDAI Master Circular on Anti-Money Laundering, which mandate clear segregation between verification and approval functions.
Approval Hierarchy
Role-Based Access
Configurable Escalation
Batch Processing
Audit Trail Logs
Per Verification Type
Rejection Reason Codes
Queue Priority Sorting
RBI-compliant video KYC for account opening, re-KYC, and high-value transaction verification in scheduled commercial banks and cooperative banks.
SEBI-mandated in-person verification via video KYC for demat account opening, trading account activation, and mutual fund distributor registration.
IRDAI-compliant video verification for policy issuance, high-value claims processing, and beneficiary identity confirmation across life and general insurance.
A step-by-step checklist covering every RBI V-CIP requirement -- from maker-checker workflows to audit trail retention and data encryption standards.
How to structure immutable audit logs for V-CIP sessions, manage data retention periods, and prepare for regulatory inspections with confidence.
A comprehensive guide to implementing full KYC via video verification in India, covering regulatory frameworks, technology requirements, and operational best practices.
Implement dual-approval workflows that satisfy regulators and protect your organization from verification errors.