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CDD
Horizon Finance — Loan Approval & AML/CDD Checklist
Case Ref:
Decision:
Assessor:
Assessment Date:
Generated:
Loan Approval & AML/CDD
Complete in order. Missing documents must include a reason and a remediation plan.
1) Assessor & Date
Assessor
Assessment Date
Case Ref (auto)
Decision
Select…
Approve
Reject
Escalate
2) Applicant Details
Application Channel
Select…
Portal
In-person
Video call
Full Name
Date of Birth
Nationality
Digital Selfie Provided
Select…
Yes
No
Confirm selfie was requested and matches ID.
Selfie matches ID
Yes
No
3) Loan Details
Loan Amount (£)
Monthly Payment (£)
Loan Term (months)
Loan Purpose
Under £3,000 ⇒ Required: ID, Work Contract, Utility Bill, Latest Payslip.
4) Mandatory Documents (tick boxes)
ID (Gibraltar ID)
Work Contract (indefinite)
Utility Bill
Passport
3 Months Bank Statements
3 Months Payslips
Latest Payslip (< £3,000)
Per-document reasons (if missing)
General notes (reasons & remediation)
5) Individual Document Checks
ID
Name matches app & bank
DOB matches app
Confirms GI residency
ID expires ≤ 3 months
Image/authenticity concerns
Authenticity / expiry notes
Work Contract
Contract is indefinite
Employer matches payslips/bank
Current & signed
Stability / probation / notes
Utility Bill
Recent (≤ 3 months)
Address matches ID/app
No arrears
Provider / account / notes
Passport (if provided)
Confirms identity/nationality
Valid (check expiry)
Face matches selfie/video
Passport notes
6) Bank Statements — Detailed Checks & DTI (Auto)
≥ £3,000: review 3 months; < £3,000: latest month (extend if flags).
Income Mapping
Salary present each month
Employer reference matches
Net pay amounts match
Income stable
Mismatches explained & evidenced
No unexplained 3rd-party credits
Debt & Commitments
No undisclosed DDs/loans
Credit card usage within norms
No arrears/collections
Overdraft within limit / not persistent
No NSF/returns/chargebacks
No bounced payments to lenders
Spending Behaviour
No excessive gambling
If gambling, low frequency/amount
Cash withdrawals consistent
No large unexplained incoming
No large unexplained outgoing
No signs of other personal accounts
No unvetted overseas sources/beneficiaries
Transactions consistent with purpose
Evidence supports purpose
Affordability & DTI — Auto
Net on latest payslip (£)
Net payslip (−1 month) (£)
Net payslip (−2 months) (£)
Use average of available payslips?
Yes
No
Variable income weighting
0% (exclude)
50% (policy)
100% (stable)
Estimated variable portion / month (£)
Other verifiable income
Add rows as needed
+ Add income
Existing monthly commitments
Rent/mortgage, card minimums, other loans, etc.
+ Add commitment
Total monthly income used (£)
Total existing commitments (£)
New loan payment (£) — from Loan Details
DTI (%)
DTI bucket
Notes (affordability)
DTI bucket feeds Product Risk: ≤30% = Low, 30–40% = Medium, >40% = High.
Gambling detail (if any)
Large transfers detail (if any)
Other account indicators detail (if any)
Exceptions / explanations
7) Product & Disbursement
Purpose clarity
Clear & evidenced
Somewhat vague
Vague / unusual
Disbursement
Direct to supplier/creditor
To client with justification
To client without justification
If to client — justification
Third-party beneficiaries
No
Yes
Cash requested
No
Yes
Amount vs income (DTI)
DTI ≤ 30%
30–40%
> 40%
8) Geography & Accounts
Residence
Gibraltar
Other
Employer jurisdiction
Gibraltar
Other
Repayment bank account
Gibraltar
Overseas
Cross-border transfers
No
Yes
High-risk country exposure
No
Yes
Country risk notes
9) PEP / Sanctions / Adverse Media
PEP Status
Select…
Not a PEP
PEP (self)
PEP (close associate/family)
Sanctions Screen
Select…
Clear
Match
Adverse Media Result
Select…
Clear
Potential adverse
Adverse Media — Search Terms & Findings
Attach OSINT Pack (screenshots/PDF)
10) Risk Scoring (auto; equal weighting)
Each factor scores 1–5 (1=Low, 5=High). Outcome: Low (≤2), Medium (3), High (≥4). PEP/Sanctions force High.
Customer Risk — methodology
Employment; income/doc consistency; gambling; undisclosed debts; selfie/ID.
Employment stability
Indefinite contract
Indefinite but new/probation
Fixed-term/unstable
Income consistency
Consistent
Minor variance (explained)
Inconsistent / unexplained
Docs consistency
Consistent
Minor inconsistencies
Major inconsistencies
Gambling behaviour
None
Limited / occasional
Excessive / concerning
Undisclosed debts
No
Yes
Identity strength
Strong (selfie match, ID valid)
OK (minor issues)
Weak (no selfie or ID expiring ≤3m)
Product Risk — methodology
Purpose clarity; disbursement; DTI; third-party; cash.
Purpose clarity
Clear & evidenced
Somewhat vague
Vague / unusual
Disbursement
Direct to supplier/creditor
To client with justification
To client without justification
Amount vs income (DTI)
DTI ≤ 30%
30–40%
> 40%
Third-party beneficiaries
No
Yes
Cash requested
No
Yes
Country & Interface Risk — methodology
Country:
Residence/employer/bank; cross-border; high-risk countries.
Residence
Gibraltar
Other
Employer
Gibraltar
Other
Bank account
Gibraltar
Overseas
Cross-border
No
Yes
High-risk exposure
No
Yes
Interface:
Channel; selfie; F2F/video; missing docs; adverse media; PEP/sanctions.
Onboarding channel
In-person
Portal
Video call
Digital selfie provided
Yes
No
F2F / video verification
Yes
No
Required docs missing
No
Yes
Adverse media
Clear
Potential adverse
Sanctions/PEP
None
PEP or Sanctions match
Customer Risk (1–5)
Product Risk (1–5)
Country Risk (1–5)
Interface Risk (1–5)
Total (sum of 4)
Average (÷4)
Outcome
EDD not automatically required
11) System Recommendation (auto)
Recommendation
Reason Summary
Suggested Conditions
Notes / Overrides (if you disagree)
12) Final Decision & Conditions
Conditions (if any)
Rationale (tie to checks)
Follow-up / Remediation Plan
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