- Incomplete
- Application has not been completed due to a time out or did not complete to the end
- Clients will receive a marketing email reminder with a link “finish my application” daily
- To stop receiving, the customer must unsubscribe by “click here” at the bottom of that email
- Multiple incompletes happen when a customer starts a new application instead of going back to the original application
- Mantl will show each attempt and status
- Account Booked
- Application completed and approved
- Account number created
- Immediately available in Horizon XE
- KYC Rejected, or Funding Fraud Rejected
- Based upon an evaluation of preset factors
- Funding Fraud Rejected Status
- Suggest using Plaid instead of manual funding and re-apply
- If Plaid is unavailable, the applicant must validate their account information before re-applying
- Generic declined email sent (see example in Appendix)
- Do not provide any information, “Unfortunately, we cannot validate your identity through our enhanced identity verification process. We are not provided the specific details.”
- Ability to re-apply by changing one letter in an email to a capital
- Will be rejected again if this change is not made
- No guarantee of an approval
- Check with the Product Team before providing this option
- KYC Manual Review Pending
- Email notification
- Timeframe 2-3 business days for review
- Account Booked Pending
- Rare occurrence
- Reach out to DBO or the Product Team for assistance
- Due to a communication error between systems
