Maker Checker

Maker checker (n pair of eyes) is an authorization principle that dictates that at least ‘n’ separate individuals should review a given request before it can be considered for servicing or processing.

A bank user with the maker role creates and submits a request (on behalf of a bank customer). Another bank user with the checker role reviews and authorizes (approves or rejects) the request. The request is sent for processing further to the fulfillment system only if it is successfully approved.

The number of approvals (individuals) required is configurable independently for each request type. For example, a chequebook request needs 2-level approval, whereas a statement request requires zero or no approval. The servicing of the specific request type is handled based on its appropriate configuration.

For a received request, based on the number of approvals configured, the request is,

• Submitted directly for processing without waiting for any further approval if the number of approvals configured is '0'.
• Approved by the required number (one or more) checkers based on the number of approvals configured.