Whitepaper E Kyc By Inflow

e-KYC
Know Your Customer
Workflow Process

White paper: e-KYC sales@inflowconsulting.com
7/28/2011 786.488.6383

e-KYC
Document Contents:
1. WHAT IS e-KYC? ................................................................................................................................ 4
2. USER ROLES ....................................................................................................................................... 4
3. INCLUDED WORKFLOW ..................................................................................................................... 4
4. FUNCTIONAL SCOPE .......................................................................................................................... 4
4.1. e-KYC Home page with integrated search and results.................................................................. 4
4.2. e-KYC Forms .................................................................................................................................. 5
4.2.1. CIP Form for Individuals ............................................................................................................ 5
4.2.2. CIP Form for Corporations ........................................................................................................ 5
4.2.3. Account Profile Form ................................................................................................................ 5
4.3. e-KYC Form Features ..................................................................................................................... 5
4.4. e-KYC Form Expiration Alerts ........................................................................................................ 5
4.5. e-KYC Reports................................................................................................................................ 6
4.6. e-KYC Master Fields ...................................................................................................................... 6
4.7. Risk Rating Management .............................................................................................................. 6
5. START USING e-KYC........................................................................................................................... 7
5.1. MAIN MENU BAR .......................................................................................................................... 7
5.2. e-KYC ICONS DESCRIPTION ........................................................................................................... 8
5.3. e-KYC BUTTONS DESCRIPTION ...................................................................................................... 9
6. e-KYC FUNCTIONS IN DEEP ............................................................................................................. 10
6.1. HOME .......................................................................................................................................... 10
6.2. CREATE NEW ACCOUNT PROFILE ................................................................................................ 11
6.3. ACCOUNT PROFILE HEADER ........................................................................................................ 11
6.4. ATTACHED FILES .......................................................................................................................... 14
6.5. FORM HISTORY............................................................................................................................ 15
6.6. CREATE NEW INDVIDUAL PROFILE.............................................................................................. 16
6.7. INDIVIDUAL PROFILE HEADER ..................................................................................................... 16

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6.8. ATTACHED FILES & FORM HISTORY ............................................................................................ 20
6.9. CREATE NEW CORPORATION PROFILE ........................................................................................ 20
6.10. CORPORATIONS PROFILE HEADER .......................................................................................... 21
6.11. ATTACHED FILES & FORM HISTORY ........................................................................................ 26
7. COMPLIANCE SEARCH (e-KYC) ........................................................................................................ 27
8. DASHBOARD .................................................................................................................................... 28
9. REASSIGN ........................................................................................................................................ 29
10. ADMINISTRATION ....................................................................................................................... 29
10.1. ADMINISTRATION VIDEOS ...................................................................................................... 30
11. REPORTS ...................................................................................................................................... 31
11.1. Account Information ............................................................................................................... 31
11.2. Customer Information individuals .......................................................................................... 31
11.3. Customer Relationship individuals.......................................................................................... 31
11.4. Related parties ........................................................................................................................ 31

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e-KYC
1. WHAT IS e-KYC?

1. e-KYC is a custom solution designed to support all the functional services and structure of the
Forms used by Compliance Area at any Financial Company.
2. e-KYC is a set of electronically forms designed for improve the information gathering process for
the workflow of Compliance Area.
3. e-KYC is a solution that allows to users track the approval process, risk changes and history for
each individual, corporation or account.

2. USER ROLES
The user roles included on the e-KYC Solution are the Following:

ROLE NAME DESCRIPTION
USER ASSIGNED TO THIS ROLE CAN CREATE AND SUBMIT FORMS
DATA ENTRY
FOR APPROVAL PROCESS
CONTENT APPROVER – FINANCIAL USER ASSIGNED TO THIS ROLE CAN CREATE, EDIT AND SUBMIT
CONSULTANT FORMS FOR APPROVAL PROCESS
USER ASSIGNED TO THIS ROLE CAN CREATE, EDIT, SUBMIT AND
MANAGER
APPROVE FORMS
FORM READERS USER ASSIGNED TO THIS ROLE CAN READ FORMS
USER ASSIGNED TO THIS ROLE CAN CREATE, EDIT FORMS,
ADMINISTRATOR APPROVE FORMS, ADD ITEMS TO MASTR LISTS, CHANGE RISKS
DEFINITION AND CHANGE FORM FIELDS

3. INCLUDED WORKFLOW
The e-KYC Solution includes an approval workflow that allows to each role set workflow changes
and comments for each individual profile, corporation profile or account profile included.

4. FUNCTIONAL SCOPE
This section enumerates the main functions that user will perceive on the e-KYC Solution, in the
following sections this document will detail each of the following utilities:

4.1. e-KYC Home page with integrated search and results
e-KYC Home Page presents a search text box that will be used to search on the complete database.
The results are filtered based on the typed text and present the details link to get access into the
individual, corporation or account.

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4.2. e-KYC Forms

4.2.1. CIP Form for Individuals
The CIP Forms for individuals include the functionality to register the following roles:
♦ Primary Account Holder
♦ Secondary Account Holder
♦ Authorized Signer
♦ P.O.A.
♦ Shareholder / Owner

4.2.2. CIP Form for Corporations
The CIP Forms for Corporations include the functionality to register the following roles:
♦ Primary Acc. Holder
♦ Secondary Acc. Holder
♦ Authorized Signer
♦ P.O.A.
♦ Shareholder / Owner

4.2.3. Account Profile Form
The account profile saves the relationship between roles individuals, corporations and accounts.
This Form also include a link to the details of all related individual or corporate and also allows
to users print an complete e-KYC based on the relationships registered on the account.

4.3. e-KYC Form Features
All the forms present the following features:

♦ Based on the role selection the form will ask to user the specific fields required for the
selected role to correctly fill the form with the relevant information.
♦ Forms include a Related Parties Section where users can find a link to each related
accounts, individuals or corporation related.
♦ Forms include the following form views for each item on database: Add New Item, Edit
Item, View Only Item and Print View.
♦ The Add New Item and Edit Item form includes an automatic calculation of risk rating for
the item based on the field’s values selection. This risk rating could be manually edited
by a user assigned to the Compliance Officer or Administrator roles.

4.4. e-KYC Form Expiration Alerts
The solution includes an automated service that identifies forms that are expired and need to be
updated. The automated service could be setup to define the time period for these expiration

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periods.

4.5. e-KYC Reports
The solution offers 4 different reports:

♦ Account Information
♦ Related Parties
♦ Customer Relationship Individuals
♦ Customer Information-Individuals

For all reports the “export to spreadsheet” function is available.

4.6. e-KYC Master Fields
The Compliance Site Solution includes the definition of master lists for every field set as Dropdown.
These feature offers to the users members of the Administrators Role add, edit or remove items
from master lists.

4.7. Risk Rating Management
The Compliance Site Solution includes the feature to manage the risk for fields marked as Risk
indicators. This feature offer to user add, edit or remove risk levels to fields that are set as “Risk
Changer

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5. START USING e-KYC

5.1. MAIN MENU BAR
The following table describes each of the tools that can be found on Menu bar

Button Image Tool Name Description

Main Page where the user can search any
Home account, to create a new account , to
create new individual or corporation

Page where the user can find lists of
Dashboard individuals, corporations or accounts
filtered by status or assignment

Button Image Tool Name Description

Page where the user can reassign an
Reassign
account selected to another user

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e-KYC
Page where the user can replace a
Global user Reassign selected user to another user for all forms
included.

Page where the users assigned to
administrator role can add items or delete
Administration items of the master’s lists, add new fields
to forms, set orders and change field’s
parameters.

Page where the user can find the e-KYC
reports: Accounts Information, Related
Reports
Parties, Relationship of Individuals and
Information of Individuals.

Recycle Bin Recover Deleted Items.
All Site Content Displays all sites, lists, and libraries in this site.

5.2. e-KYC ICONS DESCRIPTION
The following table describes each icon that can be found on the e-KYC Forms:

Icon Image Tool Name Description
When a user over mouse on it helps to
Help
understand more about the field
It indicates that the selected item on a dropdown
Risk Low
field has a low risk
Risk Medium
field has a medium risk

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Risk High
field has a high risk
It indicates that the selected field allows
Attach Documents
attaching a file to form in progress.
This icon can be found on results tables. This icon
Status validation corresponds to the state Waiting for user
validation or approval.
Status Approved
corresponds to the state Account approved
corresponds to the link where the user can find
Details
details about account, individual or corporate
information.
This icon can be found on the header of each
Form Risk form. This icon Is automatically calculated based
on the highest risk from all form fields.

5.3. e-KYC BUTTONS DESCRIPTION

The following table describes each button that can be found on the e-KYC Forms:

Button Image Button Name Description
Clicking this button returns to the
Back to Home
main page.
Button Image Button Name Description
Clicking this button saves a copy of
Save as Draft
the form as draft.
Clicking this button the form will be
Send to Approval sending to the next stage on
Process workflow and will be available for
approval.
Clicking this button the user accepts
Approve as satisfactory the registered
information.

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6. e-KYC FUNCTIONS IN DEEP

6.1. HOME
Home page is the landing page of e-KYC Solution. To reach this page user can go to the menu and
click to HOME. On this page the user can search any account or to create a new account, individual
or corporation according with the following screen.

Option Name Description
New form where the user can put information
Create New Account Profile
about the new account
Create New Individual Profile
about the new Individual
Create New Corporation Profile
about the new corporation
Where the user can search any customer
Compliance Search
information by ID or Name.

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6.2. CREATE NEW ACCOUNT PROFILE

If you want to create a new account profile you need to click in the icon
named as “Create New Account Profile” and complete account form.

6.3. ACCOUNT PROFILE HEADER
User can find on the header section the following items:

Form Title Form Risk Level & Icon

Form PEP Icon Section
General
Information Attached Form
Tab Files Tab History Tab

The Following illustration shows the user form interface for the general information Tab:

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The Following table shows the fields details for the Account Profile Form:

Section Description
Information about account classification:
• Title Field: The user can select title field (Certificate of Good
Standing, Partnership Registry Certificate, Gov.-Stamped
Memorandum & Art. Inc., Other gov.t-issued doc. Or Certificate
of Incorporation)
• Group: Obligatory field .The user can select the account group, it
means if the account is individual or corporation.
• Designation: Obligatory field. *Domestic* if customer is either a
US Citizen or a US permanent Resident otherwise select
Account Classification
*international*
• Class: Obligatory field. Select Type or Class for the account.
• Account Type: Obligatory field. Users can select account type
between Advisory or Brokerage (Advisory Account is the advisory
service for investors interested in establishing portfolios tailored
to their needs and preferences). (A Brokerage account is the
traditional account which provides our customers convenient
access to global financial markets).

This section saves the information about finance profile. Users can
indicate the estimated incoming and outgoing activity per year, the
Account Activity
expected size of the account within the next 3 years, country of
Profile origin of expected incoming activity and country of destination of
expected outgoing activity.
This section saves the financial details for the account. The form
requires financial statements, bank statements, tax declaration and
Financial Information
customer related accounts that will be used to send and receive
funds or assets.
This section set the account relationship with its primary account
holders, secondary account holders, P.O.A., Authorized signers or
Related Parties
Shareholder. Users can search individuals or corporations from
database o directly create a new one to add to this account.
Describe briefly expected activity, purpose of this account and any
Comments other information the user considers relevant to be registered as
part of this form.

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6.4. ATTACHED FILES


General
Information Attached Form
Tab Files Tab History Tab

The following illustration shows the user interface for the Attached Files Tab:

Account Number & Form Risk Level & Icon Form PEP Icon Section
Name

File Selection
Expired Icon
File Description Section
and Comments
Upload

File Version
History
Attached Files History Table Open file Button

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6.5. FORM HISTORY


General
Information
Attached Form
Tab
Files Tab History Tab

The following illustration shows the user interface for the Form History Tab:

Approval History Table

Modification History Table

Click on Version No. link to open a read form of this

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6.6. CREATE NEW INDVIDUAL PROFILE

Users can create a new individual profile clicking on the icon named as
“Create New Individual Profile” and complete Individuals form.

6.7. INDIVIDUAL PROFILE HEADER

Form Title & Form Status Form Type Form Risk Level & Icon

General
Attached Form
Information Tab

The following illustrations show the user interface for the General Information Tab:

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The Following table shows the fields details for the Individuals Profile Form:

Primary Secondary Authorized Shareholder
Field Description P.O.A.
Acc. Holder Acc. Holder Signer / Owner
The CIP Forms for
individuals include the
functionality to register
the following Sub-types:
Role within • Primary Acc. Holder
• Secondary Acc. Holder Apply Apply Apply Apply Apply
the Account
• Authorized Signer
• P.O.A.
• Shareholder / Owner

Personal information
Details Section.

When the user places the
CIP country of the individual
Apply Apply Apply Apply Apply
Information automatic the system
applies the risk that
corresponds. Risk icon is
showed at right side of the
field
Complementary personal
information like, country
of birth, nationality,
country of residence and
phone numbers.
Additional Apply only
Personal Here also when the user Apply Apply Apply Apply Country of
Information selects the country of birth Birth
automatically the system
applies the risk that
showed at right side of the
field
Information of the
Mailing Doesn’t
individual official mailing Apply Apply Apply Apply
Address apply
address.
Primary Secondary Authorized Shareholder
Field Description P.O.A.

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Does
Individual’s occupational Doesn’t
Occupation Apply Apply Apply n’t
history and details apply
apply
In this section, the user
validates the individual
status and verification
Verification Apply Apply Apply Apply Apply
requirements starting at
the Office of Foreign Asset
Control's (OFAC)
This field asks if the
individual or its family is
PEP or has been a Senior Apply Apply Apply Apply Apply
Foreign political Figure or
Politically exposed person
Individual financial
information details
Does
Financial section. The form Doesn’t
Apply Apply Apply n’t
Information requires annual income , apply
apply
Proof of Income, Source
of Funds ETC.
Section to Add more
Account individual’s accounts
Information held at another financial
institutions
Describe briefly
expected activity,
purpose of this
individual and any other
Comments Apply Apply Apply Apply Apply
information the user
considers relevant. This
section also allows to
attach documents

6.8. ATTACHED FILES & FORM HISTORY
The functions allowed on these tabs are the same to the account profile form. To see details
please refers to sections 6.4 and 6.5 on this document.

6.9. CREATE NEW CORPORATION PROFILE

Users can create a new corporation profile clicking on the icon named as
“Create New Corporation Profile” and complete Corporations form.

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6.10. CORPORATIONS PROFILE HEADER

Form Title & Form Status Form Type Form Risk Level & Icon

General Form PEP Icon Section
Attached Form
Information Tab

The following illustrations show the user interface for the General Information Tab:

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The Following table shows the fields details for the Corporations Profile Form:

Primary Secondary Authorized P.O.A. Shareholder
Field Description
The CIP Forms for corporation
include the functionality to
register the following
Relationships:
• Primary Acc. Holder
• Secondary Acc. Holder
Role within
• Authorized Signer Apply Apply Apply Apply Apply
the Account
• P.O.A.
• Shareholder / Owner

Field Description

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Basic information about the
corporation.
When the user selects the
country automatically the
system applies the risk that
CIP
showed at right side of the Apply Apply Apply Apply Apply
Information
field.
This Section Also includes a
sub section to register the
official legal address and
multiple mailing addresses for
the company
This is additional Corporation Apply only
Contact
information, contact person, Apply Apply Apply Apply contact
Information
website or email. person
In this section, the user
validates the individual status
and verification requirements
starting at the Office of
Foreign Asset Control's
(OFAC).
Verification Apply Apply Apply Apply Apply
This section also allows to
users to upload multiple
financial documents like
statements, tax declarations
reference letters or additional
financial support documents
This section allows registering
Doesn’t
Ownership the actual control over Apply Apply Apply Apply
apply
property in the company.

This field asks if the
corporation is controlled by
PEP or has been by a Senior Apply Apply Apply Apply Apply
Foreign political Figure or
Politically exposed person
Field Description

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This sections save the
Business details and financial
Line Of
information. The section Does
Business & Doesn’t
requires line of business, # of Apply Apply Apply n’t
Financial apply
employees, gross sales, apply
Info
annual income, Source of
Funds.
Section to show corporation’s
Account
accounts registered on the e- Apply Apply Apply Apply Apply
Information
KYC solution.
This section allows to users to
relate individuals or
corporations as related
parties of this corporations.
Related Users can search by id or
Parties name and also is possible to
create a new individual or
corporation on this form and
directly relating to the actual
corporation.
Describe briefly expected
activity, purpose of this
individual and any other
Comments information the user Apply Apply Apply Apply Apply
considers relevant. This
section also allows
attaching documents.

6.11. ATTACHED FILES & FORM HISTORY
The functions allowed on these tabs are the same to the account profile form. To see details
please refers to sections 6.4 and 6.5 on this document.

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7. COMPLIANCE SEARCH (e-KYC)
The main page presents a search text box that allows users searching on the complete database. The
results are filtered based on the text and it is present the details link to get access into the CIP or
Accounts Forms.

The search can be by ID or Name; Results will depend of the user search input. The following illustration
shows the user interface:

View or to edit
information in the
form

Form Print View
Icon for Risk Level

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8. DASHBOARD
Dashboard is a powerful lead collection and management tool. Here the user can see its pending forms,
pending approvals, Expired forms, about to expire forms, forms created by user, forms approved,
rejected forms, form drafts, or accounts pending for number assignment:

The following illustration shows the user interface:

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9. REASSIGN
In this page the user can change an assignment of the account to a different user. The following
illustration shows the user interface:
Search the
account that you
want to reassign
to another user

FANNY

Select account
that you want to
reassign to
Select user that another user
you want to
re-assign

10. ADMINISTRATION
These sets of functions are allowed to users that are members of administrator role. In this section users
can:

♦ Add, edit or delete items from any master list (dropdown lists).
♦ Change forms configurations like new sections, add fields or change fields order
♦ Change field’s configuration like help texts, risk change or mandatory fields.

Without interference of the programing or design team.

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To easily identify the configuration lists users can browse on the administration list menu to identify the
objective and content of each list. The following illustration shows a sample of the administration
section:
Configuration or
Master List Name

Configuration or
Master List Description

10.1. ADMINISTRATION VIDEOS
The main features of this administration section are deeply explained on the
administration videos section. This videos are included as part of the administration
section below the configuration and master lists. The videos include main functions like:

♦ Create a new Drop Down Menu
♦ Add a new dropdown field to forms
♦ Add new simple fields (text, check or multiple text lines) to forms.
♦ Change Field Parameters like help text, order or risk.
♦ Add new items to master lists

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11. REPORTS
This section presents the Reports and its description in Alphabetical order:

11.1. Account Information
Obtain general account information of the customers such as principal, risk, geography,
class, country Origin, group, Account Type and country destination. The user can filter the
parameters depending on the information that it needs in the report. All the reports can
be exported to several formats: XML, CSV, PDF, MHTML, XLS, TIFF, DOC.

11.2. Customer Information individuals
This report presents a summary of the individual’s information and the accounts where is
related. The information can be filtering by the same fields that the account information
report.

11.3. Customer Relationship individuals
This report is a list of the customers by role. It is used primarily for identifying individual
record and the role on the account.

11.4. Related parties
Report that helps to identify the members of every account, Here the user can review
corporations related with different applicable accounts.

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Whitepaper E Kyc By Inflow

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