Workflow Guide

How data supports Verify, Underwrite, Fund, Monitor, Investigate, and Re-underwrite.

Verify

Property	Definition
Trigger	Application or applicant onboarding
Inputs	business; person; consent; document
Work performed	Registry, ownership, identity, screening and evidence checks.
Outputs	verification; verification_check; screening_match; requirement
Decision boundary	Unresolved checks and missing documents remain explicit.

Underwrite

Property	Definition
Trigger	Separately requested full underwriting
Inputs	application; bank records; financial statements; liabilities; collateral
Work performed	Compute supported attributes and apply the institution policy.
Outputs	attribute; risk_snapshot; decision
Decision boundary	Separate recommendation from the institution decision; preserve evidence snapshot.

Fund

Property	Definition
Trigger	Institution approves and executes funding
Inputs	Approved application, conditions and executed documents
Work performed	Record resulting contract, facility, collateral and repayment schedule from lender system.
Outputs	loan; credit_facility; installment; guarantee
Decision boundary	Funding execution is outside the read/assessment API.

Monitor

Property	Definition
Trigger	Funded borrower or active exposure
Inputs	Baseline snapshot; active connections; consent; monitor rules
Work performed	Refresh permitted evidence and compare comparable windows.
Outputs	attribute; risk_snapshot; alert
Decision boundary	Alerts identify changes that may require institution review. Data outages generate coverage/freshness issues, not an assumed improvement.

Investigate

Property	Definition
Trigger	Suspicious evidence, screening match or related-party signal
Inputs	screening_match; relationship; document; transactions; alerts
Work performed	Analyze permitted evidence, compare candidate matches and explain risk findings.
Outputs	Risk findings; supporting evidence; reviewed relationship or screening conclusions
Decision boundary	A possible match is not a confirmed match. The institution reviews the evidence and owns any intervention or borrower outreach.

Re-underwrite

Property	Definition
Trigger	Monitor identifies a policy-defined material change
Inputs	Current and baseline snapshots plus updated borrower evidence
Work performed	Signal reassesses risk using the existing baseline and new evidence, preserving the original assessment. This is included in Signal and does not trigger or charge another Insights underwriting.
Outputs	workflow_run; decision; new risk_snapshot
Decision boundary	Never overwrite the original assessment; credit-limit action remains institution controlled.

Institution intervention

AMLOK provides assessments, alerts, and supporting evidence to help your institution decide when to intervene. Webhooks deliver these signals to your registered systems. Your institution handles borrower communications and follow-up in its own systems.

Product scope

Verification, lien searches, calculations and investigations are included stages of Insights or Signal. Stage requests require an authorized processing_context; they are not independently priced products. A Signal change-driven reassessment stays within its paid monthly period. Read products and endpoint scope for the complete mapping.