Banking & Finance
Malaysian retail bank automates personal financing from application to disbursement
CLIENT
Malaysian retail bank
Cadence
Daily unattended run
30
/day
financing applications staged & disbursed
7
Automated stages, one daily run
100%
Outcomes logged in the daily control pack
Client Overview
Personal financing operations bring together application data, credit and policy checks, AMLA screening, offer-letter production, disbursement, core-banking updates, and post-settlement refunds. When these hand-offs are manual, every delay or missed condition increases operational and regulatory risk.
How the Workflow Runs
Personal financing now runs as one daily unattended workflow, from application staging through eligibility, AML screening, disbursement, settlement, and eligible refunds. Standard cases flow straight through on deterministic rules, every non-standard case is routed to a person, and each stage is captured in a daily control pack.
FIG. 01 · Daily personal financing run, application to disbursement
01
Stage the day’s cases
Bot
On a daily unattended run, the bot queries recommendation, appeal and disbursement-request data from the loan workflow database and stages the selected cases.
02
Validate, screen & assess
Agent
The validation layer evaluates eligibility, risk grade, exposure and affordability, and runs AML watchlist screening. Failed checks, strong watchlist hits and high-risk results are routed to people with an exception report.
03
Human checkpoint
Human
Business users receive an exception notification for every case that fails a defined eligibility, AML or disbursement check. Nothing non-standard is auto decided on their behalf.
04
Execute, settle & prove
Bot
The bot files the Letter of Offer, posts granting after the prescribed pre-granting checks, and settles only when balance, account-status and approval-limit rules pass. Every outcome compile into the daily control pack.
How Cognitive Consulting helped
- Seven stages, one run. Sequencing them was the whole intervention. The individual checks were never the problem, the gaps between them were.
- Eligibility, AML and disbursement rules are deterministic checks, not model scores. A strong watchlist hit cannot clear without a person, and the risk function can read the rules and sign them off.
- The daily Excel control pack was the client’s format. We kept it rather than replacing it with a dashboard nobody asked for.
OUTCOMES
- Applications staged, screened, and disbursed on one daily unattended run
- AML and risk exceptions routed to people automatically, not missed
- A daily Excel control pack gives SMEs full visibility into every stage
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