What Audit Trails Does MANTL Maintain?
MANTL is designed to give banks and credit unions exam-ready transparency across digital account opening. Every application step, decision, and change is captured in an audit trail so you can show who did what, when, and from where—from applicant clicks to staff overrides and configuration updates.
MANTL maintains detailed audit trails that record every material action on the platform—including applicant interactions, staff activity, approvals and declines, KYC and risk checks, document uploads, configuration changes, and key integration events. Each record is time-stamped, tied to users or systems, and preserved so you can reconstruct any application, decision, or change for regulators, auditors, or internal reviews.
Key Audit Trail Categories in a MANTL Implementation
Designing Exam-Ready Audit Trails with MANTL
Use your MANTL implementation to build a defensible evidence model for regulators and internal audit—one that connects digital account opening to policy, controls, and outcomes.
Define → Capture → Connect → Monitor → Evidence → Improve
- Define what you must prove: Map regulatory obligations (e.g., BSA/AML, KYC, fair lending, UDAAP) and internal policies to specific evidence you need from MANTL logs and partner systems.
- Capture end-to-end events: Configure MANTL to log application steps, consents, risk checks, decisions, overrides, and configuration changes with consistent naming and identifiers.
- Connect to enterprise systems: Align MANTL IDs with core, LOS, CRM, and data warehouse keys so audit trails follow each account from application through funding and servicing.
- Monitor controls in near real time: Use dashboards and alerts on key audit signals—exception volumes, override rates, decision timing, and unusual access patterns.
- Package exam-ready evidence: Establish repeatable exports and report templates that pull MANTL audit logs, decision histories, and configuration snapshots for examiners or internal audit.
- Continuously improve: Feed audit findings back into playbooks—tightening rules, clarifying roles, and updating user training when issues or gaps are uncovered.
MANTL Audit Trail Capability Maturity Matrix
| Capability | From (Ad Hoc) | To (Operationalized) | Owner | Primary Evidence/KPI |
|---|---|---|---|---|
| Applicant Journey Logging | Basic web analytics, incomplete view of application steps. | Full funnel events from start to funding, tied to applicant and account IDs. | Digital / Product | Reconstructable application history, drop-off points. |
| KYC/AML & Fraud Trail | Screenshots and ad hoc notes for identity checks. | Structured logs of each risk check, response, and decision rationale. | BSA/AML / Risk | Complete risk case file per application. |
| Decision & Override Logging | Manual approvals with limited documentation. | Automated and manual decisions with reasons, approvers, and timestamps. | Credit / Risk | Override rate, time-to-decision, fair lending reviews. |
| User & Role Activity | Shared logins, minimal access visibility. | Per-user sessions, admin activity, and permission changes traceable over time. | Security / IT | Least-privilege access, privileged activity logs. |
| Configuration & Content Changes | Untracked changes to rates, rules, and disclosures. | Versioned configuration with who/what/when and effective dates. | Product / Compliance | Policy-aligned product setup, change history. |
| Evidence Packaging & Reporting | Manual data pulls during exams. | Standardized exports and reports aligned to examiner requests. | Compliance / Internal Audit | Cycle time to respond to findings and exams. |
Client Snapshot: Using MANTL Audit Trails to Simplify Exams
A regional institution modernized digital account opening with MANTL and used its audit trails to document decisions, risk checks, and configuration changes. When examiners requested specific applications and overrides, the bank produced complete histories within hours instead of weeks of manual reconstruction. That same evidence model now supports new product launches, fair lending testing, and journey optimization.
When you align MANTL’s audit trails with your governance model, you turn digital account opening into a single source of truth for how customers are onboarded, how decisions are made, and how policy is enforced.
Frequently Asked Questions About MANTL Audit Trails
Turn MANTL Audit Trails Into a Growth & Compliance Asset
Use MANTL to prove control, de-risk digital growth, and increase funded accounts. We’ll help you connect audit trails to marketing, credit, and compliance objectives.
Learn About FI-AI Agent Get your growth audit