Customer due diligence case initiation management system and customer due diligence case initiation management method

Abstract

A customer due diligence case initiation management system. For each of the plurality of customer identification data of a full customer list, a processing unit determines whether a next review day of the customer due diligence case data of a customer corresponding to the customer identification data matches the current date, and adds the customer identification data to a current date initiation case customer list upon determination of yes. For each of the customer identification data of the current date initiation case customer list, wherein the processing unit determines that the customer identification data matches one of the customer identification data of a governed customer list, or determining that a customer industry corresponding to the customer corresponding to the customer identification data matches one particular industry of a particular industry list, the processing unit deletes the customer identification data from the current date initiation case customer list.

Claims

1. A customer due diligence case initiation management system, comprising: a storage unit storing a complete customer list, multiple customer due diligence case data corresponding to multiple customers, a customer control list, multiple customer industries corresponding to the customers, a specific industry list, and multiple product holding data corresponding to the customers and indicating the products held by the customers, wherein the complete customer list contains multiple customer identification data of the customers, each customer due diligence case data includes a next review date or includes the next review date and a special review date, the customer control list includes customer identification data of some of the customers, and the specific industry list includes multiple specific industries; and a processing unit electrically connected to the storage unit; for each of the customer identification data in the complete customer list, the processing unit determines whether the next review date or the special review date of the customer due diligence case data corresponding to the customer is consistent with the current date, and if the determination is yes, adds the customer identification data to a current initiation customer list; For each of the customer identification data in the customer list initiated on that day, the processing unit determines whether the customer identification data matches one of the customer identification data in the customer control list, and determines whether the customer industry corresponding to the customer of the customer identification data matches one of the specific industries in the specific industry list; when the processing unit determines that the customer identification data matches one of the customer identification data in the customer control list, or determines that the customer industry corresponding to the customer of the customer identification data matches one of the specific industries in the specific industry list, the processing unit determines whether the product holding information corresponding to the customer of the customer identification data meets one of a plurality of retention conditions; when the processing unit determines that the product holding information corresponding to the customer of the customer identification data meets one of the retention conditions, the processing unit retains the customer identification data in the customer list initiated on that day; when the processing unit determines that the product holding information corresponding to the customer of the customer identification data does not meet one of the retention conditions, the processing unit deletes the customer identification data from the customer list initiated on that day.

2. The customer due diligence case management system as described in claim 1, wherein, The storage unit also stores multiple customer risk levels corresponding to the customers and indicating one of multiple risk levels, and multiple risk review cycles corresponding to the risk levels. For each of the customer identification data in the complete customer list, the processing unit receives the latest multiple risk data to be analyzed for that customer related to the customer identification data. The processing unit calculates a latest customer risk level corresponding to that customer based on the risk data to be analyzed. The processing unit determines whether the latest customer risk level is different from the customer's current risk level. When the processing unit determines that the latest customer risk level is different from the current customer risk level, the processing unit updates the next review date of the customer's due diligence case data according to the risk review cycle corresponding to the risk level indicated by the latest customer risk level.

3. The customer due diligence case initiation management system as described in claim 2, wherein, The storage unit also stores multiple product weights corresponding to multiple products, multiple product review cycles corresponding to these products, multiple sets of product holding information corresponding to these customers and indicating the products held by these customers, and multiple sets of highest-weighted held products corresponding to these customers and indicating the highest-weighted among the products indicated by the product holding information; For each of the customer identification data in the complete customer list, the processing unit receives a latest product holding information corresponding to these customers and indicating the products held by these customers; The processing unit generates a latest highest-weighted held product based on the latest product holding information, wherein the latest highest-weighted held product indicates the highest-weighted among the products indicated by the latest product holding information; The processing unit determines whether the latest highest-weighted held product is different from the highest-weighted held product; When the processing unit determines that the latest risk level of the customer is different from the customer's risk level and the latest highest-weighted held product is not different from the highest-weighted held product, the processing unit updates the next review date of the customer's customer due diligence case information according to the risk review cycle corresponding to the risk level indicated by the latest risk level of the customer; When the processing unit determines that the customer's latest risk level is not different from the customer's risk level and the latest highest-weighted product is different from the highest-weighted product, the processing unit updates the next review date of the customer's due diligence case information according to the product review cycle indicated by the latest highest-weighted product; when the processing unit determines that the customer's latest risk level is different from the customer's risk level and the latest highest-weighted product is different from the highest-weighted product, the processing unit updates the next review date of the customer's due diligence case information according to the shorter of the risk review cycle indicated by the customer's latest risk level and the product review cycle indicated by the latest highest-weighted product.

4. A method for managing customer due diligence case initiation, implemented by a customer due diligence case initiation management system, the customer due diligence case initiation management system comprising a storage unit and a processing unit, the storage unit storing a complete customer list, multiple customer due diligence case data corresponding to multiple customers, a customer control list, multiple customer industries corresponding to the customers, a specific industry list, and multiple product holding data corresponding to the customers and indicating the products held by the customers, the complete customer list containing multiple customer identification data of the customers, each customer due diligence case data including a next review date or including the next review date and a special review date, the customer control list containing customer identification data of some of the customers, the specific industry list containing multiple specific industries, the method comprising: for each of the customer identification data in the complete customer list, the processing unit determining whether the next review date or the special review date of the customer due diligence case data corresponding to the customer is consistent with the current date, and when the determination is yes, adding the customer identification data to a current initiation customer list; For each of the customer identification data in the customer list initiated on the same day, the processing unit determines whether the customer identification data matches one of the customer identification data in the customer control list, and determines whether the industry of the customer corresponding to the customer identification data matches one of the specific industries in the specific industry list; when the processing unit determines that the customer identification data matches one of the customer identification data in the customer control list, or determines that the industry of the customer corresponding to the customer identification data matches one of the specific industries in the specific industry list, the processing unit determines whether the product holding information corresponding to the customer corresponding to the customer identification data meets one of a plurality of retention conditions; when the processing unit determines that the product holding information corresponding to the customer corresponding to the customer identification data meets one of the retention conditions, the processing unit retains the customer identification data in the customer list initiated on the same day; and when the processing unit determines that the product holding information corresponding to the customer corresponding to the customer identification data does not meet one of the retention conditions, the processing unit deletes the customer identification data from the customer list initiated on the same day.

5. The customer due diligence case management method as described in claim 4, wherein, The storage unit also stores multiple customer risk levels corresponding to the customers and indicating one of multiple risk levels, and multiple risk review cycles corresponding to the risk levels. The method further includes: for each of the customer identification data in the complete customer list, the processing unit receives multiple latest risk data to be analyzed related to the customer identification data; the processing unit calculates a latest customer risk level corresponding to the customer based on the risk data to be analyzed; the processing unit determines whether the latest customer risk level is different from the customer risk level; and when the processing unit determines that the latest customer risk level is different from the customer risk level, the processing unit updates the next review date of the customer due diligence case data according to the risk review cycle corresponding to the risk level indicated by the latest customer risk level.

6. The customer due diligence case management method as described in claim 5, wherein, The storage unit also stores multiple product weights corresponding to multiple products, multiple product review cycles corresponding to these products, multiple sets of product holding information corresponding to these customers and indicating the products held by these customers, and multiple sets of highest-weighted held products corresponding to these customers and indicating the highest-weighted among the products indicated by the product holding information; For each of the customer identification data in the complete customer list, the processing unit receives a latest product holding information corresponding to these customers and indicating the products held by these customers; The processing unit generates a latest highest-weighted held product based on the latest product holding information, wherein the latest highest-weighted held product indicates the highest-weighted among the products indicated by the latest product holding information; The processing unit determines whether the latest highest-weighted held product is different from the highest-weighted held product; When the processing unit determines that the latest risk level of the customer is different from the customer's risk level and the latest highest-weighted held product is not different from the highest-weighted held product, the processing unit updates the next review date of the customer's customer due diligence case information according to the risk review cycle corresponding to the risk level indicated by the latest risk level of the customer; When the processing unit determines that the customer's latest risk level is not different from the customer's risk level and the latest highest-weighted product is different from the highest-weighted product, the processing unit updates the next review date of the customer's due diligence case information according to the product review cycle indicated by the latest highest-weighted product; when the processing unit determines that the customer's latest risk level is different from the customer's risk level and the latest highest-weighted product is different from the highest-weighted product, the processing unit updates the next review date of the customer's due diligence case information according to the shorter of the risk review cycle indicated by the customer's latest risk level and the product review cycle indicated by the latest highest-weighted product.

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