Accept and validate applications

Trigger: A prospective or existing customer submits a completed application for a credit product or insurance policy.

1. Receive application and supporting documentation
2. Perform initial completeness and format check
3. Extract and digitize applicant data
4. Validate applicant identity and conduct initial fraud screening
5. Request missing information from the applicant or broker
6. Route validated application to the appropriate underwriting queue

Outcome: The application is verified for accuracy and completeness, cleared of initial fraud checks, and queued for underwriting.