Test · TST-RBI-KYC-01
KYC-01 · Customer accounts are activated only with complete KYC
FailQ3 2026 Unified Program ReviewTested 4 Oct 2026 by Vikram Mehta, Farah Khan · Meridian Internal Audit (IS Audit cell)
Requirement to validation
Requirement
ISO-A.5.31 · ITGC-BP-01 · RBI-KYC-MD-2016-16
mapped
Policy
KYC / AML Policy
pol-kyc
Control
KYC-01
Customer accounts are activated only with complete KYC
Application
Meridian Customer Portal · Salesforce (Sales + Financial Services Cloud)
mapped
Evidence · Q3
3 items
2 approved · 1 pending · 0 rejected
Test · Q3
Fail
TST-RBI-KYC-01 · Medium confidence
Finding
F-RBI-04 · High
Open
Action
Arjun Kapoor
REM-F-RBI-04 · In Progress
Validation
Pending
as recorded
Procedure and result
- Procedure
- Salesforce validation rule + continuous monitoring check. Tests: Salesforce (Sales + Financial Services Cloud): Approved onboarding cases have complete KYC checklist; Meridian Customer Portal: Activated accounts linked to approved case. Frequency continuous.
- Sample
- 2 items sampled (reperformance)
- Expected
- Salesforce onboarding cases cannot move to 'Approved' and the Customer Portal cannot activate a credit line until all required KYC documents are verified (PAN, address proof, constitution documents, beneficial-owner declaration).
- Observed
- Credit line activated before KYC completion (KYC MD §16).
- Confidence
- Medium
- Evidence
- RBI-REQ-032RBI-REQ-033