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BPMN 2.0 templates

KYC / AML customer onboarding with screening and EDD

Customer due diligence for a regulated firm: identity verification with a further-evidence loop and 10-day timer, sanctions, PEP and adverse-media screening, analyst review of potential matches, exit-and-report on a true match, risk rating, enhanced due diligence and MLRO approval for high-risk clients, then account opening. Illustrative deadlines.

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<?xml version="1.0" encoding="UTF-8"?>
<bpmn:definitions xmlns:bpmn="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="Process_KycOnboarding_defs" targetNamespace="http://flowss.ai/bpmn">
  <bpmn:message id="Msg_AccountApplication" name="Account application"/>
  <bpmn:process id="Process_KycOnboarding" name="KYC onboarding" isExecutable="false">
    <bpmn:documentation>Know-your-customer (KYC) and anti-money-laundering (AML) onboarding. Identity and verification (ID&amp;V) can ask for further evidence, which loops back until it passes or a 10-day timer abandons the application. Screening against sanctions lists, politically exposed persons (PEP) and adverse media raises alerts that an analyst clears as false positives or confirms; a confirmed match exits the relationship and is reported without informing the applicant (no tipping-off). A business-rule task rates customer risk; high-risk clients need enhanced due diligence (EDD) and approval from the money-laundering reporting officer (MLRO). Deadlines are illustrative; align the risk model with your AML policy.</bpmn:documentation>
    <bpmn:laneSet id="Process_KycOnboarding_lanes">
      <bpmn:lane id="Lane_Onboarding" name="Onboarding team"><bpmn:flowNodeRef>Start_Application</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_EvidenceMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_VerifyIdentity</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Verified</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_RequestEvidence</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_ReceiveEvidence</bpmn:flowNodeRef><bpmn:flowNodeRef>Timer_Evidence</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Abandoned</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_OpenMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_OpenAccount</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Onboarded</bpmn:flowNodeRef></bpmn:lane>
      <bpmn:lane id="Lane_Screening" name="Screening system"><bpmn:flowNodeRef>Task_Screen</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_PotentialMatch</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_ClearMerge</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_RiskRating</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_Risk</bpmn:flowNodeRef></bpmn:lane>
      <bpmn:lane id="Lane_Analyst" name="Compliance analyst"><bpmn:flowNodeRef>Task_ReviewAlerts</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_TrueMatch</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_EDD</bpmn:flowNodeRef></bpmn:lane>
      <bpmn:lane id="Lane_MLRO" name="MLRO"><bpmn:flowNodeRef>Task_ExitReport</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Reported</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_MLROApproval</bpmn:flowNodeRef><bpmn:flowNodeRef>Gw_MLRO</bpmn:flowNodeRef><bpmn:flowNodeRef>Task_Decline</bpmn:flowNodeRef><bpmn:flowNodeRef>End_Declined</bpmn:flowNodeRef></bpmn:lane>
    </bpmn:laneSet>
    <bpmn:startEvent id="Start_Application" name="Application submitted"><bpmn:messageEventDefinition id="Start_Application_ed" messageRef="Msg_AccountApplication"/></bpmn:startEvent>
    <bpmn:exclusiveGateway id="Gw_EvidenceMerge"/>
    <bpmn:serviceTask id="Task_VerifyIdentity" name="Verify identity (ID&amp;V)"/>
    <bpmn:exclusiveGateway id="Gw_Verified" name="Identity verified?" default="Flow_5"/>
    <bpmn:sendTask id="Task_RequestEvidence" name="Request further evidence"/>
    <bpmn:receiveTask id="Task_ReceiveEvidence" name="Receive further evidence"/>
    <bpmn:boundaryEvent id="Timer_Evidence" name="No reply in 10 days" attachedToRef="Task_ReceiveEvidence"><bpmn:timerEventDefinition id="Timer_Evidence_ed"><bpmn:timeDuration xsi:type="bpmn:tFormalExpression">P10D</bpmn:timeDuration></bpmn:timerEventDefinition></bpmn:boundaryEvent>
    <bpmn:endEvent id="End_Abandoned" name="Application abandoned"/>
    <bpmn:serviceTask id="Task_Screen" name="Screen sanctions, PEP, adverse media"/>
    <bpmn:exclusiveGateway id="Gw_PotentialMatch" name="Potential match?" default="Flow_10"/>
    <bpmn:userTask id="Task_ReviewAlerts" name="Review screening alerts"/>
    <bpmn:exclusiveGateway id="Gw_TrueMatch" name="True match?" default="Flow_13"/>
    <bpmn:userTask id="Task_ExitReport" name="Exit and report to authority"/>
    <bpmn:endEvent id="End_Reported" name="Relationship exited"/>
    <bpmn:exclusiveGateway id="Gw_ClearMerge"/>
    <bpmn:businessRuleTask id="Task_RiskRating" name="Calculate customer risk rating"/>
    <bpmn:exclusiveGateway id="Gw_Risk" name="Risk rating?" default="Flow_18"/>
    <bpmn:userTask id="Task_EDD" name="Enhanced due diligence"/>
    <bpmn:userTask id="Task_MLROApproval" name="Approve high-risk client"/>
    <bpmn:exclusiveGateway id="Gw_MLRO" name="Approved?" default="Flow_23"/>
    <bpmn:sendTask id="Task_Decline" name="Decline relationship"/>
    <bpmn:endEvent id="End_Declined" name="Application declined"/>
    <bpmn:exclusiveGateway id="Gw_OpenMerge"/>
    <bpmn:serviceTask id="Task_OpenAccount" name="Open account"/>
    <bpmn:endEvent id="End_Onboarded" name="Client onboarded"/>
    <bpmn:sequenceFlow id="Flow_1" sourceRef="Start_Application" targetRef="Gw_EvidenceMerge"/>
    <bpmn:sequenceFlow id="Flow_2" sourceRef="Gw_EvidenceMerge" targetRef="Task_VerifyIdentity"/>
    <bpmn:sequenceFlow id="Flow_3" sourceRef="Task_VerifyIdentity" targetRef="Gw_Verified"/>
    <bpmn:sequenceFlow id="Flow_4" name="insufficient" sourceRef="Gw_Verified" targetRef="Task_RequestEvidence"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=identityVerified = false</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_5" name="verified" sourceRef="Gw_Verified" targetRef="Task_Screen"/>
    <bpmn:sequenceFlow id="Flow_6" sourceRef="Task_RequestEvidence" targetRef="Task_ReceiveEvidence"/>
    <bpmn:sequenceFlow id="Flow_7" sourceRef="Task_ReceiveEvidence" targetRef="Gw_EvidenceMerge"/>
    <bpmn:sequenceFlow id="Flow_8" sourceRef="Timer_Evidence" targetRef="End_Abandoned"/>
    <bpmn:sequenceFlow id="Flow_9" sourceRef="Task_Screen" targetRef="Gw_PotentialMatch"/>
    <bpmn:sequenceFlow id="Flow_10" name="no match" sourceRef="Gw_PotentialMatch" targetRef="Gw_ClearMerge"/>
    <bpmn:sequenceFlow id="Flow_11" name="potential match" sourceRef="Gw_PotentialMatch" targetRef="Task_ReviewAlerts"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=screeningHits &gt; 0</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_12" sourceRef="Task_ReviewAlerts" targetRef="Gw_TrueMatch"/>
    <bpmn:sequenceFlow id="Flow_13" name="false positive" sourceRef="Gw_TrueMatch" targetRef="Gw_ClearMerge"/>
    <bpmn:sequenceFlow id="Flow_14" name="true match" sourceRef="Gw_TrueMatch" targetRef="Task_ExitReport"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=trueMatch</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_15" sourceRef="Task_ExitReport" targetRef="End_Reported"/>
    <bpmn:sequenceFlow id="Flow_16" sourceRef="Gw_ClearMerge" targetRef="Task_RiskRating"/>
    <bpmn:sequenceFlow id="Flow_17" sourceRef="Task_RiskRating" targetRef="Gw_Risk"/>
    <bpmn:sequenceFlow id="Flow_18" name="standard" sourceRef="Gw_Risk" targetRef="Gw_OpenMerge"/>
    <bpmn:sequenceFlow id="Flow_19" name="high" sourceRef="Gw_Risk" targetRef="Task_EDD"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=riskRating = "high"</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_20" sourceRef="Task_EDD" targetRef="Task_MLROApproval"/>
    <bpmn:sequenceFlow id="Flow_21" sourceRef="Task_MLROApproval" targetRef="Gw_MLRO"/>
    <bpmn:sequenceFlow id="Flow_22" name="approved" sourceRef="Gw_MLRO" targetRef="Gw_OpenMerge"><bpmn:conditionExpression xsi:type="bpmn:tFormalExpression">=mlroApproved</bpmn:conditionExpression></bpmn:sequenceFlow>
    <bpmn:sequenceFlow id="Flow_23" name="declined" sourceRef="Gw_MLRO" targetRef="Task_Decline"/>
    <bpmn:sequenceFlow id="Flow_24" sourceRef="Task_Decline" targetRef="End_Declined"/>
    <bpmn:sequenceFlow id="Flow_25" sourceRef="Gw_OpenMerge" targetRef="Task_OpenAccount"/>
    <bpmn:sequenceFlow id="Flow_26" sourceRef="Task_OpenAccount" targetRef="End_Onboarded"/>
    <bpmn:textAnnotation id="Note_Policy"><bpmn:text>The 10-day evidence deadline is illustrative; align the risk-rating model with your AML policy.</bpmn:text></bpmn:textAnnotation>
  </bpmn:process>
  <bpmn:collaboration id="Process_KycOnboarding_collab">
    <bpmn:participant id="Process_KycOnboarding_pool" name="Bank — client onboarding" processRef="Process_KycOnboarding"/>
    <bpmn:participant id="Participant_Applicant" name="Applicant"/>
    <bpmn:messageFlow id="MsgFlow_Application" name="Application and ID" sourceRef="Participant_Applicant" targetRef="Start_Application"/>
    <bpmn:messageFlow id="MsgFlow_EvidenceRequest" name="Evidence request" sourceRef="Task_RequestEvidence" targetRef="Participant_Applicant"/>
    <bpmn:messageFlow id="MsgFlow_Evidence" name="Further evidence" sourceRef="Participant_Applicant" targetRef="Task_ReceiveEvidence"/>
    <bpmn:messageFlow id="MsgFlow_Decline" name="Decline letter" sourceRef="Task_Decline" targetRef="Participant_Applicant"/>
    <bpmn:messageFlow id="MsgFlow_Welcome" name="Welcome pack" sourceRef="Task_OpenAccount" targetRef="Participant_Applicant"/>
  </bpmn:collaboration>
  <bpmndi:BPMNDiagram id="Process_KycOnboarding_di">
    <bpmndi:BPMNPlane id="Process_KycOnboarding_plane" bpmnElement="Process_KycOnboarding_collab">
      <bpmndi:BPMNShape id="Process_KycOnboarding_pool_di" bpmnElement="Process_KycOnboarding_pool" isHorizontal="true"><dc:Bounds x="160" y="200" width="2448" height="710"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_Onboarding_di" bpmnElement="Lane_Onboarding" isHorizontal="true"><dc:Bounds x="190" y="200" width="2418" height="260"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_Screening_di" bpmnElement="Lane_Screening" isHorizontal="true"><dc:Bounds x="190" y="460" width="2418" height="150"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_Analyst_di" bpmnElement="Lane_Analyst" isHorizontal="true"><dc:Bounds x="190" y="610" width="2418" height="150"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Lane_MLRO_di" bpmnElement="Lane_MLRO" isHorizontal="true"><dc:Bounds x="190" y="760" width="2418" height="150"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Participant_Applicant_di" bpmnElement="Participant_Applicant" isHorizontal="true"><dc:Bounds x="160" y="60" width="2448" height="60"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Start_Application_di" bpmnElement="Start_Application"><dc:Bounds x="262" y="262" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="252" y="303" width="56" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_EvidenceMerge_di" bpmnElement="Gw_EvidenceMerge" isMarkerVisible="true"><dc:Bounds x="405" y="255" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_VerifyIdentity_di" bpmnElement="Task_VerifyIdentity"><dc:Bounds x="530" y="240" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_Verified_di" bpmnElement="Gw_Verified" isMarkerVisible="true"><dc:Bounds x="705" y="255" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="689" y="236" width="83" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_RequestEvidence_di" bpmnElement="Task_RequestEvidence"><dc:Bounds x="830" y="240" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_ReceiveEvidence_di" bpmnElement="Task_ReceiveEvidence"><dc:Bounds x="980" y="240" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Timer_Evidence_di" bpmnElement="Timer_Evidence"><dc:Bounds x="992" y="302" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="1024" y="336" width="70" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Abandoned_di" bpmnElement="End_Abandoned"><dc:Bounds x="1162" y="377" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="1151" y="418" width="58" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Screen_di" bpmnElement="Task_Screen"><dc:Bounds x="830" y="495" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_PotentialMatch_di" bpmnElement="Gw_PotentialMatch" isMarkerVisible="true"><dc:Bounds x="1005" y="510" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="988" y="491" width="84" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_ReviewAlerts_di" bpmnElement="Task_ReviewAlerts"><dc:Bounds x="1130" y="645" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_TrueMatch_di" bpmnElement="Gw_TrueMatch" isMarkerVisible="true"><dc:Bounds x="1305" y="660" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="1361" y="678" width="64" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_ExitReport_di" bpmnElement="Task_ExitReport"><dc:Bounds x="1430" y="795" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Reported_di" bpmnElement="End_Reported"><dc:Bounds x="1612" y="817" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="1599" y="858" width="63" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_ClearMerge_di" bpmnElement="Gw_ClearMerge" isMarkerVisible="true"><dc:Bounds x="1305" y="510" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_RiskRating_di" bpmnElement="Task_RiskRating"><dc:Bounds x="1430" y="495" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_Risk_di" bpmnElement="Gw_Risk" isMarkerVisible="true"><dc:Bounds x="1605" y="510" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="1553" y="493" width="61" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_EDD_di" bpmnElement="Task_EDD"><dc:Bounds x="1730" y="645" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_MLROApproval_di" bpmnElement="Task_MLROApproval"><dc:Bounds x="1880" y="795" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_MLRO_di" bpmnElement="Gw_MLRO" isMarkerVisible="true"><dc:Bounds x="2055" y="810" width="50" height="50"/><bpmndi:BPMNLabel><dc:Bounds x="2052" y="865" width="56" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_Decline_di" bpmnElement="Task_Decline"><dc:Bounds x="2180" y="795" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Declined_di" bpmnElement="End_Declined"><dc:Bounds x="2362" y="817" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="2352" y="858" width="56" height="28"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Gw_OpenMerge_di" bpmnElement="Gw_OpenMerge" isMarkerVisible="true"><dc:Bounds x="2055" y="255" width="50" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="Task_OpenAccount_di" bpmnElement="Task_OpenAccount"><dc:Bounds x="2330" y="240" width="100" height="80"/></bpmndi:BPMNShape>
      <bpmndi:BPMNShape id="End_Onboarded_di" bpmnElement="End_Onboarded"><dc:Bounds x="2512" y="262" width="36" height="36"/><bpmndi:BPMNLabel><dc:Bounds x="2487" y="303" width="86" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNShape>
      <bpmndi:BPMNEdge id="Flow_1_di" bpmnElement="Flow_1"><di:waypoint x="298" y="280"/><di:waypoint x="405" y="280"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_2_di" bpmnElement="Flow_2"><di:waypoint x="455" y="280"/><di:waypoint x="530" y="280"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_3_di" bpmnElement="Flow_3"><di:waypoint x="630" y="280"/><di:waypoint x="705" y="280"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_4_di" bpmnElement="Flow_4"><di:waypoint x="755" y="280"/><di:waypoint x="830" y="280"/><bpmndi:BPMNLabel><dc:Bounds x="761" y="261" width="54" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_5_di" bpmnElement="Flow_5"><di:waypoint x="730" y="305"/><di:waypoint x="730" y="535"/><di:waypoint x="830" y="535"/><bpmndi:BPMNLabel><dc:Bounds x="736" y="308" width="38" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_6_di" bpmnElement="Flow_6"><di:waypoint x="930" y="280"/><di:waypoint x="980" y="280"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_7_di" bpmnElement="Flow_7"><di:waypoint x="1030" y="240"/><di:waypoint x="1030" y="218"/><di:waypoint x="430" y="218"/><di:waypoint x="430" y="255"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_8_di" bpmnElement="Flow_8"><di:waypoint x="1010" y="338"/><di:waypoint x="1010" y="395"/><di:waypoint x="1162" y="395"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_9_di" bpmnElement="Flow_9"><di:waypoint x="930" y="535"/><di:waypoint x="1005" y="535"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_10_di" bpmnElement="Flow_10"><di:waypoint x="1055" y="535"/><di:waypoint x="1305" y="535"/><bpmndi:BPMNLabel><dc:Bounds x="1061" y="516" width="48" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_11_di" bpmnElement="Flow_11"><di:waypoint x="1030" y="560"/><di:waypoint x="1030" y="685"/><di:waypoint x="1130" y="685"/><bpmndi:BPMNLabel><dc:Bounds x="1036" y="563" width="77" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_12_di" bpmnElement="Flow_12"><di:waypoint x="1230" y="685"/><di:waypoint x="1305" y="685"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_13_di" bpmnElement="Flow_13"><di:waypoint x="1330" y="660"/><di:waypoint x="1330" y="560"/><bpmndi:BPMNLabel><dc:Bounds x="1336" y="641" width="66" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_14_di" bpmnElement="Flow_14"><di:waypoint x="1330" y="710"/><di:waypoint x="1330" y="835"/><di:waypoint x="1430" y="835"/><bpmndi:BPMNLabel><dc:Bounds x="1336" y="713" width="54" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_15_di" bpmnElement="Flow_15"><di:waypoint x="1530" y="835"/><di:waypoint x="1612" y="835"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_16_di" bpmnElement="Flow_16"><di:waypoint x="1355" y="535"/><di:waypoint x="1430" y="535"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_17_di" bpmnElement="Flow_17"><di:waypoint x="1530" y="535"/><di:waypoint x="1605" y="535"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_18_di" bpmnElement="Flow_18"><di:waypoint x="1630" y="510"/><di:waypoint x="1630" y="280"/><di:waypoint x="2055" y="280"/><bpmndi:BPMNLabel><dc:Bounds x="1636" y="491" width="45" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_19_di" bpmnElement="Flow_19"><di:waypoint x="1630" y="560"/><di:waypoint x="1630" y="685"/><di:waypoint x="1730" y="685"/><bpmndi:BPMNLabel><dc:Bounds x="1636" y="563" width="23" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_20_di" bpmnElement="Flow_20"><di:waypoint x="1830" y="685"/><di:waypoint x="1855" y="685"/><di:waypoint x="1855" y="835"/><di:waypoint x="1880" y="835"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_21_di" bpmnElement="Flow_21"><di:waypoint x="1980" y="835"/><di:waypoint x="2055" y="835"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_22_di" bpmnElement="Flow_22"><di:waypoint x="2080" y="810"/><di:waypoint x="2080" y="305"/><bpmndi:BPMNLabel><dc:Bounds x="2086" y="791" width="48" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_23_di" bpmnElement="Flow_23"><di:waypoint x="2105" y="835"/><di:waypoint x="2180" y="835"/><bpmndi:BPMNLabel><dc:Bounds x="2111" y="816" width="43" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_24_di" bpmnElement="Flow_24"><di:waypoint x="2280" y="835"/><di:waypoint x="2362" y="835"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_25_di" bpmnElement="Flow_25"><di:waypoint x="2105" y="280"/><di:waypoint x="2330" y="280"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="Flow_26_di" bpmnElement="Flow_26"><di:waypoint x="2430" y="280"/><di:waypoint x="2512" y="280"/></bpmndi:BPMNEdge>
      <bpmndi:BPMNShape id="Note_Policy_di" bpmnElement="Note_Policy"><dc:Bounds x="400" y="660" width="270" height="50"/></bpmndi:BPMNShape>
      <bpmndi:BPMNEdge id="MsgFlow_Application_di" bpmnElement="MsgFlow_Application"><di:waypoint x="280" y="120"/><di:waypoint x="280" y="262"/><bpmndi:BPMNLabel><dc:Bounds x="286" y="153" width="92" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_EvidenceRequest_di" bpmnElement="MsgFlow_EvidenceRequest"><di:waypoint x="880" y="240"/><di:waypoint x="880" y="120"/><bpmndi:BPMNLabel><dc:Bounds x="886" y="153" width="87" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Evidence_di" bpmnElement="MsgFlow_Evidence"><di:waypoint x="1000" y="120"/><di:waypoint x="1000" y="240"/><bpmndi:BPMNLabel><dc:Bounds x="1006" y="153" width="85" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Decline_di" bpmnElement="MsgFlow_Decline"><di:waypoint x="2230" y="795"/><di:waypoint x="2230" y="120"/><bpmndi:BPMNLabel><dc:Bounds x="2236" y="153" width="67" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
      <bpmndi:BPMNEdge id="MsgFlow_Welcome_di" bpmnElement="MsgFlow_Welcome"><di:waypoint x="2380" y="240"/><di:waypoint x="2380" y="120"/><bpmndi:BPMNLabel><dc:Bounds x="2386" y="153" width="75" height="15"/></bpmndi:BPMNLabel></bpmndi:BPMNEdge>
    </bpmndi:BPMNPlane>
  </bpmndi:BPMNDiagram>
</bpmn:definitions>