Solutions · Banking

Every critical transaction visible, controlled and completed correctly.

See where each transaction stands, who approved it and what changed, even when systems, teams and regulations change.

The work

A critical transaction crosses five systems. When it stalls, it stalls silently.

A commercial drawdown starts in the relationship manager’s CRM, goes through credit checks, sanctions screening and a covenant review, needs two or three approvals depending on size, and is booked in the core system before funds move. Each step lives in a different application owned by a different team, and nobody can say where it is.

One drawdown, five systems

A drawdown request enters from CRM.

Drawdown D-8812: $2.4M for Harbor Foods. It has an owner, the relationship manager, and a deadline: funds due Friday.

The request enters from CRM

Drawdown request

OwnerDana Ruiz · relationship manager

Funds dueFriday

Approvals needed2, by size

Credit and screening run side by side.

Screening finds a possible name match. A model suited to the task scores it as low likelihood, within policy, so the work carries on, and the score and the rule are recorded.

Credit and screening, side by side

Credit checkPassed

Screening · possible name matchWithin policy

LikelihoodLow · 0.12

RuleContinue below 0.30 · rule 3.1

RecordedThe score, the rule and why it continued

Two approvals. One approver is on leave.

The first approver approves. The second is away, so after the agreed four hours the request goes to the named delegate, and the reassignment is recorded.

Two approvals

First approver · A. OkaforApproved

Second approver · J. PatelOn leave · 4h wait

Delegate · M. SantosAsked

To M. Santos · delegateApprove drawdown D-8812, $2.4M, Harbor Foods? Credit and screening complete.

Wednesday, the sanctions list is updated.

Momor checks every transaction still in flight against the new entries. D-8812 is unaffected, and the check is recorded on its card.

Wednesday · the sanctions list changes

Sanctions list updated · 2026-11-18

CheckedEvery transaction still in flight · 214

D-8812Unaffected

RecordedOn D-8812’s card, with the list version

Booked in core banking. Funds released Thursday.

A day before the deadline. The card closes.

Booked in core banking

Funds released Thursday

Booked2026-11-19 · 10:12

DeadlineMet · a day early

And anyone can open the record.

Every step, every system, every approver and timestamp, and the screening score with its rule.

The record

Mon 09:02CRMCRM · Entered by Dana Ruiz

Mon 11:40CreditCredit · Passed

Mon 11:41ScreeningScreening · Score 0.12 · rule 3.1 · continued

Tue 10:05ApprovalsApprovals · A. Okafor approved

Tue 14:05ApprovalsApprovals · J. Patel on leave · sent to delegate

Wed 09:00ScreeningScreening · Sanctions update checked · unaffected

Wed 09:30ApprovalsApprovals · M. Santos approved

Thu 10:12Core bankingCore banking · Booked · funds released