Member management overview

The member directory stores borrower profiles, tracks KYC status, and links members to their loan applications throughout origination.

The Members section is the central directory for everyone who borrows from your credit union. Every loan application belongs to a member record, and a member’s KYC status must be VERIFIED before any loan can be submitted for them. You can search, create, update, and manage members from the Members list, then jump to a member’s linked loans and uploaded documents from their profile page.

What a member record contains

Each member profile stores the following information.

Field	Notes
Salutation, first name, middle name, last name	Used for search and display across the platform
Date of birth	Required. The verification flow keys off the TRN, not this field
Gender	Chosen from Male, Female, or Other. Optional
Email address	Primary contact. Optional
Phone number	Primary contact number. Optional
Address	Street, city, parish, and postal code, plus residential status, years at address, previous address, and years at the previous address. A separate mailing address can be recorded; it defaults to the same as the residential address
Marital status, dependents, education	Captured for the applicant profile the risk engine reads
TRN	Tax Registration Number, encrypted at rest
Driver’s licence number	Encrypted at rest
Passport number	Encrypted at rest
Bank account number	Encrypted at rest
Government ID type, number, and issuer	The generic identity document fields. The number is encrypted at rest
Mother’s maiden name	Encrypted at rest
Internal notes	Free text, encrypted at rest
Next of kin	Name, relationship, contact details, and address for the nearest relative
Employment status	Used in loan risk assessment
Branch	The credit union branch this member belongs to. Fixed once the member is created
Member account number (CIF)	The member’s primary identifier within the credit union, unique per workspace

Branch, Member account number (CIF), first name, last name, and date of birth are required at create. Email and phone are optional. The TRN, driver’s licence, passport, bank account, government ID number, mother’s maiden name, and notes columns are all encrypted at rest with your credit union’s own key. Five of these have a reveal control on the member profile: the TRN, driver’s licence, passport, bank account number, and notes. Reading any of those decrypted values is a separate action: the reader clicks the reveal control, which requires the members.edit capability, and each reveal is recorded in the audit log as a member.pii.revealed event. The government ID number and mother’s maiden name are also stored encrypted but have no reveal control; on the profile they show as “On file (encrypted)”.

Members can also have additional contacts beyond their primary email, phone, and address. The three contact types are alternate phone (PHONE_ALT), alternate email (EMAIL_ALT), and alternate address (ADDRESS_ALT). One contact of each type can be marked as primary, enforced by a single-primary-per-type constraint. You manage contacts from the member’s profile: add a contact, remove one, or promote an existing contact to primary, which demotes the current primary of that type. Managing contacts requires the members.edit capability, and adding or removing one records a member.contact.added or member.contact.removed audit event.

Member status tracks

Every member record carries two independent status fields that serve different purposes.

MemberStatus, the account lifecycle

This tracks whether the member’s account is open and eligible for new loans.

Status	Meaning
ACTIVE	Default status. The member is in good standing and can apply for loans.
INACTIVE	The member is suspended. They cannot apply for new loans, but the record can be reactivated to ACTIVE at any time.
DECEASED	Indicates the member is deceased. The value exists on the record but the platform has no in-app control to set it, and bulk CSV import does not set it either; it appears only through a direct data migration. DECEASED remains a selectable option in the Members list status filter.

Suspend and reactivate are the two operations that drive this status: suspending a member sets it to INACTIVE, and reactivating sets it back to ACTIVE. Separately, a member can be soft-deleted, which hides the record from the Members list and search without losing it. The platform stores a deletion reason and timestamp on the record, and a soft-deleted member can be restored, which clears both and returns the record to the list.

KycStatus, identity verification

This tracks whether the member’s identity has been verified through the Know Your Customer process.

Status	Meaning
UNVERIFIED	No verification check has been run yet.
IN_PROGRESS	A verification request has been submitted and is awaiting a result.
VERIFIED	Identity confirmed. The member is eligible for loan applications.
FAILED	Verification was rejected. Review and correct the member’s details, then resubmit.
MANUAL_REVIEW	The automated check could not reach a conclusion. A reviewer must approve or reject manually.

A member’s KYC status must be VERIFIED before a loan application can be submitted for that member. A member can be ACTIVE with an UNVERIFIED KYC status. You can create and edit the profile at any time, but you cannot submit a loan until KYC is complete.

Members and loan applications

One member can have multiple loan applications over time. Each member’s profile page shows a summary of their loan history: the total number of applications and the three most recent, with links to the full details of each. Every loan application page shows the member it belongs to, so you can navigate between the two in either direction.

Finding the Members section

Navigate to /your-slug/members to open the Members list. You can also reach it from the main navigation sidebar. From there you can search for existing members, open a member’s profile, or create a new member.

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What you can do

Creating Members

Create new member profiles, search for existing members, edit details, and manage member status.

KYC Verification

Submit a member for identity verification, understand each KYC status, and handle manual review cases.

Documents

Upload identity and supporting documents to a member’s profile, and manage the document library.

Loan Applications

Understand how member records connect to the loan origination workflow.