Screening Pipeline - Verifow

Every transaction flows through these stages sequentially:

Stage	Category	Latency	Description
1	Validation	~5ms	Idempotency check, schema validation, store in database
2	Context Enrichment	~15ms	Fetch sender’s last 50 transactions, account dormancy, KYC/KYB status
3	Sanctions & PEP	~25ms	Screen sender + receiver names against global watchlist entities
4	Regulatory Compliance	~2ms	Execute 9 mandatory CBN rules (PEP status from Stage 3 feeds in)
5	KYC Verification	~0ms	Evaluate sender’s KYC status (REJECTED / EXPIRED / NONE / VERIFIED)
6	KYB Verification	~0ms	For business transactions: evaluate corporate KYB status
7	Custom Rules	~10ms	Execute configurable detection rules
8	External Engines	~50ms	Decision engine scoring + behavioral analysis (parallel)
9	Aggregation	~1ms	Weighted scoring, outcome selection, action dispatch

Total latency: 80–200ms (p95) After aggregation (async, non-blocking):

Auto-create compliance case
Generate SAR / CTR / FTR reports
Email alert to all compliance officers
Immutable audit log entry

KYB Verification Layer

The KYB layer is inserted immediately after KYC Verification and only activates for business transactions. Individual transactions (entityType: "INDIVIDUAL" or absent) skip this stage with zero score.

Trigger Conditions

KYB screening runs when either of these is present in the transaction metadata:

{
  "metadata": {
    "entityType": "BUSINESS",
    "senderRcNumber": "RC123456"
  }
}

KYB Risk Scoring

KYB Status	Score	Outcome	Description
APPROVED	0	`APPROVE`	Fully verified corporate entity
APPROVED	0	`APPROVE`	Fully verified corporate entity
BENEFICIAL_OWNERS_VERIFIED	100	`BLOCK`	BOs screened, awaiting final approval
DIRECTORS_VERIFIED	100	`BLOCK`	Directors verified, awaiting final approval
CAC_VERIFIED	100	`BLOCK`	Company confirmed, awaiting director verification
DOCUMENT_UPLOADED	100	`BLOCK`	Supporting documents uploaded, awaiting review
SCREENING_PASSED	100	`BLOCK`	All compliance checks passed, awaiting final approval
PENDING	100	`BLOCK`	Application submitted, CAC lookup pending
NONE (no record)	100	`BLOCK`	No KYB application found for this business
REJECTED	100	`BLOCK`	Failed verification or sanctions hit on beneficial owner