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Who do we consult with if we encounter edge cases re BDD and LDD?
BDD: MRisk
LDD: Compliance
What is the max no. of resubmissions for every entity type?
Entities : No submission number limitation
Individuals : Submission number limited to 3x
Why do we only apply "no website alternative" to entity?
Individual pose more risks than entities
What KYC status is not considered a decision and what do we (MO) need to do with it?
PENDING, follow up to related team until case is solved
What is SME merchant?
Merchant who has 1-300 employees AND TPV < USD 1 Mio/month
Tell us 3 industries we're not allowed to onboard regardless of their entity type
- Infringement of Intellectual Property
- Import/Export of prohibited and restricted Goods to Indonesia*
- Goods and services that violates Legislation
Tell us 5 risk score we get from risk engine and how we should proceed
-Very high: immediate decline
-High: BAU (raise to MRisk if suspicious)
-Medium: BAU
Low: BAU
Very low: BAU (use Reduced BDD SOP if entity)
Tell us 3 BDD Framework (what we should keep in mind during BDD)
- See merchant as a neutral party
- Stick to latest SOP
- Focus on efficiency
What BDD Methods do we have right now and what are they applicable for?
-Red Flag: Entities and individuals whose risk score is: high, medium, low, very low
-Reduced BDD: Entities whose risk score is very low
-No website alternative: Entities who do not have online presence yet regardless of risk score
-BDD Scorecard: Merchants who submit micro e-commerce website