Use this guide to complete the compliance workflow while managing an opportunity. The workflow helps you meet National Consumer Credit Protection (NCCP) and Best Interests Duty (BID) requirements by guiding you through required steps and prompting you when information is missing.
What is the compliance workflow?
The compliance workflow is a guided process built into your opportunity. It helps you complete compliance tasks in the correct order and supports you with prompts to reduce the risk of missed steps.
The workflow supports you to capture:
Best Interests Duty (BID) commentary
National Consumer Credit Protection (NCCP) requirements
Exit strategies, where required
Who can use the compliance workflow?
The compliance workflow is enabled by default for all Connective Credit Representatives.
Australian Credit Licence (ACL) holders can choose to enable the workflow for their business if it is not already active.
Enable the compliance workflow (ACL holders only)
A user with Partner-level access must enable the workflow.
To enable the compliance workflow:
Navigate to Admin > Partnership details > ACL compliance
Enable ‘Enable the compliance workflows on your opportunities’
Important
Once enabled, the compliance workflow applies to all opportunities under that ACL.
Access the compliance workflow in an opportunity
To start using the compliance workflow:
Open the relevant opportunity record
Select BID & NCCP from the left-hand menu
Note
If the opportunity contains notes from the old Compliance Centre, you will see both the Compliance tab and the BID & NCCP tab.
Track progress using the overview tab
The Overview tab gives you a clear view of completed tasks, outstanding requirements, and overall compliance progress.
The workflow is divided into three stages:
Credit guide
Preliminary assessment
CPD & submission
Each stage includes required tasks, also called gates. These may include actions such as attaching a funding position or confirming key inputs. You must complete required tasks in each stage before progressing.
Respond to system prompts
The workflow checks that prerequisite tasks are complete before you move forward.
If you attempt to skip a required step, the system will prompt you to complete earlier tasks first. For example, adding a borrowing capacity calculator before issuing the credit guide will trigger a reminder.
Tip
Complete each stage in order to reduce rework and compliance follow-ups.
Complete BID and NCCP requirements
Use the Best interests duty & NCCP tab to record your compliance commentary.
This includes:
Requirements and objectives
Reason for final choice of lender
Additional questions appear when relevant. For example:
Extra prompts if multiple lenders are included in a comparison
Exit strategy questions if the applicant’s age and loan term extend beyond retirement age
Provide disclosure document commentary
The Disclosure documents section allows you to confirm how required documents were provided or signed.
Fields appear conditionally based on the document type and the delivery or signing method used. This ensures you only complete fields relevant to the opportunity.
What happens next?
Once all required stages and tasks are complete, your opportunity will show as compliant within the workflow. This supports downstream reviews and helps reduce compliance queries.
Need help?
If you need help using the compliance workflow or completing BID and NCCP requirements, contact your Partnership Manager or email [email protected]