Dormant Account Reactivation Orchestrator
Secure, risk-based reactivation — WhatsApp · USSD · Branch
FraudShield™ linkedAML checks liveSIM-swap API
Audit
Reactivation Audit Trail
Immutable, cross-request timeline. Every state change writes a permanent event.
- 12/31/1969, 10:48:00 PMMaker recommendation: approve — Anthony Mwangi Kimani · SCR-20260712-0002Samuel Kariuki (Credit Officer) · staff
- 12/31/1969, 10:09:00 PMSecure verification link sent (15-min expiry) — David Kiplagat Rono · SCR-20260712-0004Notifications · system
- 12/31/1969, 10:06:00 PMDeclared KYC changes — routed to EDD — David Kiplagat Rono · SCR-20260712-0004Orchestrator · system
- 12/31/1969, 10:00:00 PMInitiated on WhatsApp — David Kiplagat Rono · SCR-20260712-0004Member · member · WhatsApp
- 12/31/1969, 9:18:00 PMAuto-approved · cooling-off started — Grace Muthoni Wambui · SCR-20260712-0001Orchestrator · system
- 12/31/1969, 9:18:00 PMSMS sent: reactivation_approved — Grace Muthoni Wambui · SCR-20260712-0001Notifications · system
- 12/31/1969, 9:15:00 PMRisk scored — Grace Muthoni Wambui · SCR-20260712-0001Orchestrator · system
- 12/31/1969, 9:12:00 PMOTP delivered · consumed in 47s — Grace Muthoni Wambui · SCR-20260712-0001SMS OTP · system
- 12/31/1969, 9:09:00 PMMPIN accepted (1 attempt) — Grace Muthoni Wambui · SCR-20260712-0001SaccoCore Auth · system
- 12/31/1969, 9:06:00 PMID last-4 verified — Grace Muthoni Wambui · SCR-20260712-0001Orchestrator · system
- 12/31/1969, 9:03:00 PMMobile number matched — Grace Muthoni Wambui · SCR-20260712-0001Orchestrator · system
- 12/31/1969, 9:00:00 PMReactivation initiated — Grace Muthoni Wambui · SCR-20260712-0001Member · member · WhatsApp
- 12/31/1969, 7:30:00 PMFace match 0.61 — below threshold — Samuel Kariuki Njoroge · SCR-20260712-0007IDV Provider · system
- 12/31/1969, 7:30:00 PMRouted to maker-checker — Samuel Kariuki Njoroge · SCR-20260712-0007Orchestrator · system
- 12/31/1969, 7:00:00 PMReactivation initiated — Samuel Kariuki Njoroge · SCR-20260712-0007Member · member · WhatsApp
- 12/31/1969, 6:30:00 PMRisk scored — Anthony Mwangi Kimani · SCR-20260712-0002Orchestrator · system
- 12/31/1969, 6:30:00 PMRouted to maker-checker — Anthony Mwangi Kimani · SCR-20260712-0002Orchestrator · system
- 12/31/1969, 6:24:00 PMOTP verified — Anthony Mwangi Kimani · SCR-20260712-0002SMS OTP · system
- 12/31/1969, 6:18:00 PMMPIN accepted (2 attempts) — Anthony Mwangi Kimani · SCR-20260712-0002SaccoCore Auth · system
- 12/31/1969, 6:12:00 PMID last-4 accepted (2nd attempt) — Anthony Mwangi Kimani · SCR-20260712-0002Orchestrator · system
- 12/31/1969, 6:06:00 PMSelected Reactivate Dormant Account — Anthony Mwangi Kimani · SCR-20260712-0002Member · member
- 12/31/1969, 6:00:00 PMUSSD *123# menu opened — Anthony Mwangi Kimani · SCR-20260712-0002Member · member · USSD
- 12/31/1969, 12:30:00 PMSelf-service blocked; assisted verification required — James Mutua Nzioka · SCR-20260712-0003Orchestrator · system
- 12/31/1969, 12:27:00 PMCase FS-02011 created — James Mutua Nzioka · SCR-20260712-0003FraudShield™ · system
- 12/31/1969, 12:24:00 PMRisk scored — James Mutua Nzioka · SCR-20260712-0003Orchestrator · system
- 12/31/1969, 12:09:00 PMMPIN attempts exhausted (3/3) — James Mutua Nzioka · SCR-20260712-0003SaccoCore Auth · system
- 12/31/1969, 12:06:00 PMSIM change detected 18h ago — James Mutua Nzioka · SCR-20260712-0003SIM-swap API · system
- 12/31/1969, 12:00:00 PMReactivation initiated — James Mutua Nzioka · SCR-20260712-0003Member · member · WhatsApp
- 12/31/1969, 4:06:00 AMAuto-approved with cooling-off — Mary Wanjiku Kamau · SCR-20260712-0010Orchestrator · system
- 12/31/1969, 4:03:00 AMAll checks passed — Green band — Mary Wanjiku Kamau · SCR-20260712-0010Orchestrator · system
- 12/31/1969, 4:00:00 AMUSSD *123# menu opened — Mary Wanjiku Kamau · SCR-20260712-0010Member · member · USSD
- 12/31/1969, 12:00:00 AMUSSD reactivation attempted — Beatrice Nasimiyu Wafula · SCR-20260712-0009Member · member · USSD
- 12/31/1969, 12:00:00 AMUFAA process holds account — assisted process required — Beatrice Nasimiyu Wafula · SCR-20260712-0009Compliance · system
- 12/30/1969, 8:00:00 PMReactivation attempt — Faith Chebet Kiprono · SCR-20260712-0008Member · member · WhatsApp
- 12/30/1969, 8:00:00 PMAccount frozen — self-service blocked — Faith Chebet Kiprono · SCR-20260712-0008Orchestrator · system
- 12/30/1969, 12:00:00 PMRequest rejected after checker review — Anthony Mwangi Kimani · SCR-20260710-0044Orchestrator · system
- 12/30/1969, 12:00:00 PMSMS sent: rejection with branch fallback — Anthony Mwangi Kimani · SCR-20260710-0044Notifications · system
- 12/30/1969, 12:00:00 AMREACTIVATE keyword received — Peter Otieno Ochieng · SCR-20260712-0005Member · member · WhatsApp
- 12/30/1969, 12:00:00 AMEligibility check failed — deceased-member flag — Peter Otieno Ochieng · SCR-20260712-0005Orchestrator · system
- 12/30/1969, 12:00:00 AMEstate case queued for next-of-kin verification — Peter Otieno Ochieng · SCR-20260712-0005Compliance · system
- 12/30/1969, 12:00:00 AMInitiated — Anthony Mwangi Kimani · SCR-20260710-0044Member · member · WhatsApp
- 12/29/1969, 12:00:00 AMUSSD reactivation attempted — Lucy Achieng Odongo · SCR-20260712-0006Member · member · USSD
- 12/29/1969, 12:00:00 AMAML hold prevents self-service reactivation — Lucy Achieng Odongo · SCR-20260712-0006Compliance · system
- 12/28/1969, 12:00:00 AMCooling-off ended — full access restored — Mary Wanjiku Kamau · SCR-20260705-0117Scheduler · system
- 12/25/1969, 2:24:00 AMAuto-approved — Mary Wanjiku Kamau · SCR-20260705-0117Orchestrator · system
- 12/25/1969, 12:00:00 AMInitiated — Mary Wanjiku Kamau · SCR-20260705-0117Member · member · WhatsApp