- Severity
- HIGH
- Status
- IN PROGRESS
- Owner
- Digital Channels
- Root cause
- Change management
- Test failure
- Operating effectiveness (COE)
- Opened
- 2026-04-25
- Due
- 2026-08-31
- Closed
- —
67 days old as of 2026-07-01
Liveness verification disabled for a segment without risk acceptance or compensating review.
PARTIAL
tested 2026-04-20
This issue records a COE failure, shown first.
Control Operating Effectiveness (COE)
Procedures evaluating whether the control operated over the testing period.
- 1.Select 25 digital onboarding applications from the period and confirm both document and liveness verification were completed.
- 2.Attempt a test onboarding with a failed liveness check and confirm the application is blocked or routed to manual review.
- 3.Confirm any override of a failed check was documented and approved.
Control Design Assessment (CDA)
Procedures evaluating whether the control is designed adequately.
- 1.Inspect the onboarding workflow configuration to confirm document verification and liveness checks are both required before an account is opened.
- 2.Confirm the workflow cannot complete onboarding when a liveness or document check fails, without a documented override path.
Related issues
Same root cause or a shared entity
Score contribution
Issue-pressure points as of 2026-07-01, before the factor is capped at 0–100.
- Digital Onboarding Journey25 of 25 pts
100% of this entity’s issue pressure
Annual priority score: 67 · issue pressure carries 10% weight in the active model — one factor among several behind that score.
- HIGH severity: 25
Linked entities
- Digital Onboarding Journey
PROCESS · HIGH