<?xml version="1.0" encoding="UTF-8"?>
<bpmn2:definitions xmlns:bpmn2="http://www.omg.org/spec/BPMN/20100524/MODEL" xmlns:bpmndi="http://www.omg.org/spec/BPMN/20100524/DI" xmlns:dc="http://www.omg.org/spec/DD/20100524/DC" xmlns:di="http://www.omg.org/spec/DD/20100524/DI" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" id="Definitions_1" targetNamespace="http://bpmn.io/schema/bpmn" exporter="swimdraft" exporterVersion="1.0">
  <bpmn2:collaboration id="Collaboration_1">
    <bpmn2:participant id="pool_kyc" name="KYC verification" processRef="Process_pool_kyc" />
  </bpmn2:collaboration>
  <bpmn2:process id="Process_pool_kyc" isExecutable="false">
    <bpmn2:laneSet id="LaneSet_pool_kyc">
      <bpmn2:lane id="lane_kyc_onb" name="Onboarding">
        <bpmn2:flowNodeRef>start_kyc</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_kyc_docs</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_kyc_activate</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>end_kyc_ok</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_kyc_notify</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>end_kyc_declined</bpmn2:flowNodeRef>
      </bpmn2:lane>
      <bpmn2:lane id="lane_kyc_comp" name="Compliance">
        <bpmn2:flowNodeRef>t_kyc_screen</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>g_kyc_hit</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_kyc_edd</bpmn2:flowNodeRef>
        <bpmn2:flowNodeRef>t_kyc_rate</bpmn2:flowNodeRef>
      </bpmn2:lane>
      <bpmn2:lane id="lane_kyc_mlro" name="MLRO">
        <bpmn2:flowNodeRef>g_kyc_mlro</bpmn2:flowNodeRef>
      </bpmn2:lane>
    </bpmn2:laneSet>
    <bpmn2:startEvent id="start_kyc" name="Customer details received">
      <bpmn2:outgoing>fkyc1</bpmn2:outgoing>
    </bpmn2:startEvent>
    <bpmn2:userTask id="t_kyc_docs" name="Collect identity documents">
      <bpmn2:incoming>fkyc1</bpmn2:incoming>
      <bpmn2:outgoing>fkyc2</bpmn2:outgoing>
    </bpmn2:userTask>
    <bpmn2:serviceTask id="t_kyc_screen" name="Screen against watchlists">
      <bpmn2:incoming>fkyc2</bpmn2:incoming>
      <bpmn2:outgoing>fkyc3</bpmn2:outgoing>
    </bpmn2:serviceTask>
    <bpmn2:exclusiveGateway id="g_kyc_hit" name="Screening match found?" default="fkyc5">
      <bpmn2:incoming>fkyc3</bpmn2:incoming>
      <bpmn2:outgoing>fkyc4</bpmn2:outgoing>
      <bpmn2:outgoing>fkyc5</bpmn2:outgoing>
    </bpmn2:exclusiveGateway>
    <bpmn2:userTask id="t_kyc_edd" name="Perform enhanced due diligence">
      <bpmn2:incoming>fkyc4</bpmn2:incoming>
      <bpmn2:outgoing>fkyc6</bpmn2:outgoing>
    </bpmn2:userTask>
    <bpmn2:exclusiveGateway id="g_kyc_mlro" name="Approve high risk customer?" default="fkyc8">
      <bpmn2:incoming>fkyc6</bpmn2:incoming>
      <bpmn2:outgoing>fkyc7</bpmn2:outgoing>
      <bpmn2:outgoing>fkyc8</bpmn2:outgoing>
    </bpmn2:exclusiveGateway>
    <bpmn2:businessRuleTask id="t_kyc_rate" name="Assign risk rating">
      <bpmn2:incoming>fkyc5</bpmn2:incoming>
      <bpmn2:incoming>fkyc7</bpmn2:incoming>
      <bpmn2:outgoing>fkyc9</bpmn2:outgoing>
    </bpmn2:businessRuleTask>
    <bpmn2:serviceTask id="t_kyc_activate" name="Activate customer account">
      <bpmn2:incoming>fkyc9</bpmn2:incoming>
      <bpmn2:outgoing>fkyc10</bpmn2:outgoing>
    </bpmn2:serviceTask>
    <bpmn2:endEvent id="end_kyc_ok" name="Customer onboarded">
      <bpmn2:incoming>fkyc10</bpmn2:incoming>
    </bpmn2:endEvent>
    <bpmn2:sendTask id="t_kyc_notify" name="Notify applicant of decline">
      <bpmn2:incoming>fkyc8</bpmn2:incoming>
      <bpmn2:outgoing>fkyc11</bpmn2:outgoing>
    </bpmn2:sendTask>
    <bpmn2:endEvent id="end_kyc_declined" name="Customer declined">
      <bpmn2:incoming>fkyc11</bpmn2:incoming>
    </bpmn2:endEvent>
    <bpmn2:sequenceFlow id="fkyc1" sourceRef="start_kyc" targetRef="t_kyc_docs" />
    <bpmn2:sequenceFlow id="fkyc2" sourceRef="t_kyc_docs" targetRef="t_kyc_screen" />
    <bpmn2:sequenceFlow id="fkyc3" sourceRef="t_kyc_screen" targetRef="g_kyc_hit" />
    <bpmn2:sequenceFlow id="fkyc4" name="Yes" sourceRef="g_kyc_hit" targetRef="t_kyc_edd">
      <bpmn2:conditionExpression xsi:type="bpmn2:tFormalExpression">Yes</bpmn2:conditionExpression>
    </bpmn2:sequenceFlow>
    <bpmn2:sequenceFlow id="fkyc5" name="No" sourceRef="g_kyc_hit" targetRef="t_kyc_rate" />
    <bpmn2:sequenceFlow id="fkyc6" sourceRef="t_kyc_edd" targetRef="g_kyc_mlro" />
    <bpmn2:sequenceFlow id="fkyc7" name="Yes" sourceRef="g_kyc_mlro" targetRef="t_kyc_rate">
      <bpmn2:conditionExpression xsi:type="bpmn2:tFormalExpression">Yes</bpmn2:conditionExpression>
    </bpmn2:sequenceFlow>
    <bpmn2:sequenceFlow id="fkyc8" name="No" sourceRef="g_kyc_mlro" targetRef="t_kyc_notify" />
    <bpmn2:sequenceFlow id="fkyc9" sourceRef="t_kyc_rate" targetRef="t_kyc_activate" />
    <bpmn2:sequenceFlow id="fkyc10" sourceRef="t_kyc_activate" targetRef="end_kyc_ok" />
    <bpmn2:sequenceFlow id="fkyc11" sourceRef="t_kyc_notify" targetRef="end_kyc_declined" />
  </bpmn2:process>
  <bpmndi:BPMNDiagram id="BPMNDiagram_1">
    <bpmndi:BPMNPlane id="BPMNPlane_1" bpmnElement="Collaboration_1">
      <bpmndi:BPMNShape id="pool_kyc_di" bpmnElement="pool_kyc" isHorizontal="true">
        <dc:Bounds x="20" y="20" width="1420" height="500" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="lane_kyc_onb_di" bpmnElement="lane_kyc_onb" isHorizontal="true">
        <dc:Bounds x="50" y="20" width="1390" height="240" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="lane_kyc_comp_di" bpmnElement="lane_kyc_comp" isHorizontal="true">
        <dc:Bounds x="50" y="260" width="1390" height="130" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="lane_kyc_mlro_di" bpmnElement="lane_kyc_mlro" isHorizontal="true">
        <dc:Bounds x="50" y="390" width="1390" height="130" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="start_kyc_di" bpmnElement="start_kyc">
        <dc:Bounds x="112" y="59" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="65" y="101" width="130" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_kyc_docs_di" bpmnElement="t_kyc_docs">
        <dc:Bounds x="230" y="37" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_kyc_screen_di" bpmnElement="t_kyc_screen">
        <dc:Bounds x="380" y="277" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="g_kyc_hit_di" bpmnElement="g_kyc_hit">
        <dc:Bounds x="555" y="292" width="50" height="50" />
        <bpmndi:BPMNLabel><dc:Bounds x="519" y="272" width="122" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_kyc_edd_di" bpmnElement="t_kyc_edd">
        <dc:Bounds x="680" y="277" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="g_kyc_mlro_di" bpmnElement="g_kyc_mlro">
        <dc:Bounds x="855" y="422" width="50" height="50" />
        <bpmndi:BPMNLabel><dc:Bounds x="837" y="478" width="87" height="28" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_kyc_rate_di" bpmnElement="t_kyc_rate">
        <dc:Bounds x="980" y="277" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_kyc_activate_di" bpmnElement="t_kyc_activate">
        <dc:Bounds x="1130" y="37" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="end_kyc_ok_di" bpmnElement="end_kyc_ok">
        <dc:Bounds x="1312" y="59" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="1277" y="101" width="106" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="t_kyc_notify_di" bpmnElement="t_kyc_notify">
        <dc:Bounds x="980" y="37" width="100" height="80" />
      </bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="end_kyc_declined_di" bpmnElement="end_kyc_declined">
        <dc:Bounds x="1162" y="169" width="36" height="36" />
        <bpmndi:BPMNLabel><dc:Bounds x="1133" y="211" width="94" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNShape>
      <bpmndi:BPMNEdge id="fkyc1_di" bpmnElement="fkyc1">
        <di:waypoint x="148" y="77" />
        <di:waypoint x="230" y="77" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc2_di" bpmnElement="fkyc2">
        <di:waypoint x="330" y="77" />
        <di:waypoint x="360" y="77" />
        <di:waypoint x="360" y="317" />
        <di:waypoint x="380" y="317" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc3_di" bpmnElement="fkyc3">
        <di:waypoint x="480" y="317" />
        <di:waypoint x="555" y="317" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc4_di" bpmnElement="fkyc4">
        <di:waypoint x="605" y="317" />
        <di:waypoint x="680" y="317" />
        <bpmndi:BPMNLabel><dc:Bounds x="611" y="297" width="21" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc5_di" bpmnElement="fkyc5">
        <di:waypoint x="605" y="317" />
        <di:waypoint x="660" y="317" />
        <di:waypoint x="660" y="372" />
        <di:waypoint x="960" y="372" />
        <di:waypoint x="960" y="317" />
        <di:waypoint x="980" y="317" />
        <bpmndi:BPMNLabel><dc:Bounds x="611" y="323" width="17" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc6_di" bpmnElement="fkyc6">
        <di:waypoint x="780" y="317" />
        <di:waypoint x="810" y="317" />
        <di:waypoint x="810" y="447" />
        <di:waypoint x="855" y="447" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc7_di" bpmnElement="fkyc7">
        <di:waypoint x="905" y="447" />
        <di:waypoint x="960" y="447" />
        <di:waypoint x="960" y="317" />
        <di:waypoint x="980" y="317" />
        <bpmndi:BPMNLabel><dc:Bounds x="911" y="427" width="21" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc8_di" bpmnElement="fkyc8">
        <di:waypoint x="905" y="447" />
        <di:waypoint x="960" y="447" />
        <di:waypoint x="960" y="77" />
        <di:waypoint x="980" y="77" />
        <bpmndi:BPMNLabel><dc:Bounds x="911" y="453" width="17" height="14" /></bpmndi:BPMNLabel>
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc9_di" bpmnElement="fkyc9">
        <di:waypoint x="1080" y="317" />
        <di:waypoint x="1110" y="317" />
        <di:waypoint x="1110" y="77" />
        <di:waypoint x="1130" y="77" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc10_di" bpmnElement="fkyc10">
        <di:waypoint x="1230" y="77" />
        <di:waypoint x="1312" y="77" />
      </bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="fkyc11_di" bpmnElement="fkyc11">
        <di:waypoint x="1080" y="77" />
        <di:waypoint x="1110" y="77" />
        <di:waypoint x="1110" y="187" />
        <di:waypoint x="1162" y="187" />
      </bpmndi:BPMNEdge>
    </bpmndi:BPMNPlane>
  </bpmndi:BPMNDiagram>
</bpmn2:definitions>