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Aarav — Tenant Admin
SOP
SOP — KYC Exception Handling Process
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# SOP — KYC Exception Handling ## 1. Purpose This SOP defines the process for handling KYC exceptions in the Loan Origination System. ## 2. Scope Applicable to all KYC officers and supervisors in the Retail Banking division. ## 3. Roles & Responsibilities - **KYC Officer**: First-level review of exception cases - **KYC Supervisor**: Approval authority for exceptions - **Compliance Team**: Quarterly audit of exception log ## 4. Procedure Steps 1. System flags exception and creates exception ticket 2. KYC Officer reviews within 2 business hours 3. Officer documents reason and supporting evidence 4. Supervisor reviews and approves/rejects within 4 business hours 5. Decision recorded in audit trail 6. Customer notified of outcome ## 5. Exceptions - Deceased customers: Route to legal team - NRI customers: Additional documentation required ## 6. References - RBI Master Direction on KYC 2016 - Internal Policy: KYC-POL-2024-001
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SOP — KYC Exception Handling
1. Purpose
2. Scope
3. Roles & Responsibilities
4. Procedure Steps
5. Exceptions
6. References
