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 |
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. |
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.
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.