Add KYB document uploads when checks fail

[madmax330]

When automated checks fail when a user is attempting to add a business bank account, we need to collect documents from them to verify that it is indeed their bank account and they are who they say they are.
Right now we collect all the documents through concierge, but we want users to be able to upload the documents themselves based on the failed checks to eliminate back and forth

We need to update the bank account flow such that when we make the call to create the bank account, if the response if that some checks failed (the bank account is not OPEN) then we need to go to the upload documents screen as shown below.
If the checks succeed then we keep the same flow.
We're basically conditionally adding a last step to the bank account flow.

These are the documents that we collect for each type of failure:

TINCheck:

• IRS TIN/EIN Assignment Letter
• IRS TIN/EIN Application confirmation (Normally states “Congratulations! The EIN has been successfully assigned”)
• IRS tax exemption letter that lists your company name and EIN
• Name Change Document (in addition to one of the above), if your company’s name has changed since filing for the TIN/EIN

LexisNexis Company Address (must be a physical address - no MailDrop):

• Recent utility bill showing company name and address
• Bank Statement showing company name and address
• Current Lease/Rental Agreement including the signature page showing your company name and current address
• Insurance Statement showing company name and address
• TIN assignment doc showing company name and address
• Business tax return (most current) showing company name and address

IDology :

• This one is a bit trickier. The doc needed depends on the error IDology returns.
• For Requestor we recently stopped asking for a doc if the error pertains to their address or DOB - if they uploaded a DL in Onfido since this can likely resolve the issue.
• But for Beneficial Owners and all other Requestor fails:
• Address - Voter Registration Card, Drivers License, Bank Statement, Utility Bill
• DOB - US Issued ID
• SSN - We shouldn’t ask them for this, flag for Ops review incase we don’t need it since it’s sensitive.
• FAIL ID NOT LOCATED - All of the above

All the checks data are located in the achData of the bank account under verifications

[MrMuzyk]

Hey @madmax330, you can assign me to it and I'll start soon :)
If any questions arise I'll probably bring them up on slack in a fresh thread

[madmax330]

Here are the inputs that we need:

Input 1:
Filename: companyTaxID
Title "Tax ID Verification"
Help:
Please upload one of the following files:

• IRS TIN/EIN Assignment Letter
• IRS TIN/EIN Application confirmation (Normally states “Congratulations! The EIN has been successfully assigned”)
• IRS tax exemption letter that lists your company name and EIN

Input 2:
Filename: nameChangeDocument
Title "Name Change Document"
Help: If your company’s name has changed since filing for the TIN/EIN we need this document to verify the Tax ID number you provided

Input 3:
Filename: companyAddressVerification
Title "Company Address verfication"
Help:
Please upload one of the following files:

• Recent utility bill showing company name and address
• Bank Statement showing company name and address
• Current Lease/Rental Agreement including the signature page showing your company name and current address
• Insurance Statement showing company name and address
• TIN assignment doc showing company name and address
• Business tax return (most current) showing company name and address

Input 4:
Filename: userAddressVerification
Title "Address verification"
Help:
Please upload one of the following files:

• Voter Registration Card
• Drivers License
• Bank Statement
• Utility Bill

Input 5:
Filename: userDOBVerification
Title: "Date of Birth Verification"
Help: Please upload a US issued ID

[madmax330]

For the achData we will find the results for each under the following keys:

TINCheck achData.verifcations.externalApiResponses.companyTaxID.status = 'pass'
LexisNexis achData.verifcations.externalApiResponses.lexisNexisInstantIDResult.status = 'pass'
Onfido achData.verifcations.externalApiResponses.requestorIdentityID.status = 'pass'

[MrMuzyk]

And if something will fail, then we will get what failed in this field or it will be separate field?

[MrMuzyk]

@madmax330 Kind bump and one more question :)

[madmax330]

And these are the different errors:

Now I'm not sure if we need all of them, I will check and get back to you on those

[MrMuzyk]

Ok, that helps just a little. Having example response in JSON format would be nice :)

TINCheck achData.verifcations.externalApiResponses.companyTaxID.status = 'pass'
LexisNexis achData.verifcations.externalApiResponses.lexisNexisInstantIDResult.status = 'pass'
Onfido achData.verifcations.externalApiResponses.requestorIdentityID.status = 'pass'

If any of these status field has different value than 'pass' then we need to gatter KYB files, right?

[madmax330]

Here:

This is the best I have 😄

[madmax330]

If any of these status field has different value than 'pass' then we need to gatter KYB files, right?

That's correct. Then for the requestorIndentityID if it's not pass we need to check the errors