The client lifecycle

A client file remains in use after the onboarding decision: information can still change, screenings keep running, and reviews return on a schedule. This section covers everything after the decision.

The file stays editable

Acceptance does not freeze the client file. Your team can still edit information, add parties, upload documents and start new reviews.

Your client can keep the file up to date too, from the client portal: parties with the update permission edit their own information there, and every such change is automatically routed into a review.

Whenever a new review opens on an accepted client (automatically or by hand), the client’s status moves back to In review until that review is completed. The client list therefore always shows which accepted clients currently have something running.

Reviews after onboarding

Review	Started by	Management approval?
Periodic review	Automatically, three months before the next review date. See Periodic reviews.	No
Portal change	Automatically, when a party changes information via the portal. See Changes via the portal.	No
UBO change	Manually, when the ownership structure changes. See UBO changes.	Yes, like onboarding
Director change	Manually, when directors change.	No
Other	Manually, for anything else, with a free-text reason.	No

All of these follow the same mechanics as the onboarding review: checks per party, verification by the account manager, then compliance. When creating a review you can copy the document states, partial conclusions and comments from the previous one, so repeat reviews start pre-filled.

Ongoing screening

Every screened person and company is monitored daily. New sanction or PEP hits appear on the client automatically, with the party moving to Pending report for assessment, also months or years after onboarding. Note that the dashboard sends no email about it: check the Pending report status yourself, or switch on the email alerts in the Stracket portal. That portal is also where you adjust the monitoring interval per person or company.

The CGA license

Once the client is accepted, the work shifts to the CGA license: submitting the application, recording the CGA credentials, and keeping the CGA license documents, the seals and the CGA conditions up to date on the client’s CGA license tab. That is a chapter of its own; see Managing the CGA license and Exporting the CGA application forms.

UBO change history

Each completed review archives a full snapshot of the client at that moment: the ownership structure, the parties and their information. Together those snapshots form the history of the ownership structure: who owned what, and when.

You browse it from the UBO tab with the History button:

• Pick a date to see the organization chart as it was then, next to Current for the situation today.
• Differences from the previous snapshot are highlighted: new parties, removed parties and changed percentages. Removed parties stay visible in the chart, so you can see who left.

Combined with the generated review reports and the audit trail, this makes it possible to show exactly what the file looked like when a decision was made. How you process an actual change in ownership is described in UBO changes.

The party’s own history in the portal

Your client sees a different history in their portal: the History page there is a chronological list of every change they made themselves, with old and new values per field. See What your client sees.