BRD — KYC Module (In Progress)

I'll help you draft the KYC BRD. Based on the KB context for **LOS > KYC**, here's what I've found: **Existing KB Coverage:** - Customer Identification (FR-KYC-001 to FR-KYC-004) — 80% complete - CKYC Integration — partially documented - OVD Validation Rules — **missing** (this is a gap) **Recommended sections to add:** 1. OVD acceptance rules per RBI Master Direction 2023 2. Exception handling for name mismatches 3. V-CIP (Video KYC) flow for digital customers Shall I generate the OVD validation section first?

Here's the **OVD Validation Rules** section based on RBI Master Direction on KYC (2016, updated Feb 2023): ### 3.2 OVD Validation Rules **Officially Valid Documents (OVDs) per RBI:** - Passport - Driving Licence - Voter ID Card - Job Card (NREGA) - Letter from National Population Register - Aadhaar Card (with consent) **Validation Rules:** - **FR-KYC-006**: Name on OVD must match application name (fuzzy match ≥ 85%) - **FR-KYC-007**: Address on OVD must be current address OR separate address proof required - **FR-KYC-008**: OVD must not be expired at time of submission - **FR-KYC-009**: For NRI customers, passport is mandatory as primary OVD **Exception Handling:** - Name mismatch 85-90%: Flag for manual review - Name mismatch > 90%: Auto-reject with reason code KYC-NM-001 - Expired OVD: Reject with reason code KYC-EXP-001 I've added this to the editor. Want me to also add the CKYC integration requirements?

I've updated the OVD validation section in the editor. **Downstream components consuming Customer ID from KYC:** Based on the KB relationship graph, **7 components** depend on the KYC Customer ID: | Component | Dependency Type | Impact | |-----------|----------------|--------| | Credit Bureau Pull | Direct | Uses Customer ID as primary key for bureau query | | EMI Calculation | Indirect | Needs verified income from KYC profile | | Loan Agreement | Direct | Customer ID embedded in agreement | | NACH Mandate | Direct | Customer ID for mandate registration | | Disbursal Engine | Direct | Validates KYC status before disbursal | | Customer Portal | Indirect | Displays KYC status to customer | | Audit Trail | Direct | Logs all KYC events against Customer ID | ⚠️ **Impact Alert**: Changes to the Customer ID format or KYC status codes will affect all 7 components above. I've triggered the impacted component notification. Shall I generate a sequence diagram showing the Customer ID flow?