Centralizing enforcement processes at a bank with the Eximee Low-Code Development Platform

Enforcement seizures (court-ordered garnishments and levies on bank accounts) are formal actions a bank takes in response to an enforcement order, most often issued by a court enforcement officer (bailiff), Poland’s Social Insurance Institution (ZUS), or a tax authority. Their purpose is to secure or transfer funds from a debtor’s account in accordance with applicable law. The bank is legally required to respond to enforcement authorities promptly, accurately, and with full documentation.

The process is inherently complex and involves analyzing documents, verifying customer data, handling instructions, and communicating between organizational units. In many financial institutions, enforcement seizures were handled for years through manual work and scattered systems, which lengthened processing times and made it harder to control the process end to end. Recently, the bank in this case study also faced the challenge of organizing, centralizing, and automating this area, and decided to implement the Eximee Low‑Code Development Platform, which made it possible to move the enforcement seizure process into a single, cohesive environment.

Project background

Enforcement seizures were the first process the bank migrated from legacy forms to the Eximee platform. It was a particularly demanding area: complex from both a legal and an operational standpoint, yet handled relatively rarely, which created difficulties for advisors and increased the risk of errors.

Before Eximee was implemented, advisors received documents, archived them manually, and passed them along, and the documents prepared as part of the enforcement process were created entirely by hand. Instructions submitted in the form were then sent to the operations unit by email, which prolonged handling times and made it harder to track the progress of a case.

These challenges led the bank to centralize the enforcement seizure process in Eximee.

Processing enforcement instructions

After the process was moved to Eximee, the handling of enforcement seizures became fully organized and automated. The advisor completes the request directly in the system, and the subsequent steps (generating documents, saving them to the archive, and passing them on for further processing) happen automatically, without manual intervention.

Eximee Dashboard became the central work tool, giving bank employees a complete view of the customer’s situation. Based on the customer’s CIF number (the unique customer identifier), the system retrieves a list of all of the customer’s enforcement seizures and presents them in one place, together with key information such as:

• whether the given seizure can be repaid,
• issue dates and current seizure amounts,
• amounts remaining to be collected,
• active restrictions associated with the specific seizure.

Eximee Dashboard also displays the list of accounts covered by the seizure and the execution history, including payments already made. Employees can filter the information (for example, to show only active or inactive enforcement actions), which significantly simplifies their work and speeds up decision-making.

Instructions available in the application

The Eximee-based application enables advisors to submit the full set of instructions related to handling enforcement seizures. From a single tool, an employee can carry out:

• a priority payout (for example, for employee wages or payments to contractors),
• a suspension of enforcement,
• execution (repayment) of the seizure,
• unblocking of an account,
• payment of fees and commissions charged by the bank,
• a correction of an account transaction (employee-initiated instruction),
• consent to a change in the account relationship for an account under seizure, which in practice means a change of account holder and removal of the block,
• a consumer bankruptcy request, which automatically initiates the release of seizures.

As a result, advisors can handle the entire process in one place, without having to use multiple tools or communication channels.

How the project unfolded: from process analysis to integration with the central case management system and building a low-code team

The project to centralize the enforcement seizure process was carried out in collaboration between the bank’s teams and Consdata. Consdata led the entire implementation, while on the bank’s side, testing, functional verification, and the preparation of a detailed schedule played a key role, ensuring transparency and smooth coordination of the work.

The foundation of the project was a thorough process analysis. At the outset, a detailed process map was drawn up, which made it possible to identify gaps, redundant steps, and areas needing improvement. The process was described in both an as-is and a to-be variant: existing specifications were taken into account, and the target flow in Eximee was designed, covering form fields, statuses, and a standardized advisor workflow.

During the project, standards were developed for migrating processes from legacy forms to Eximee, aimed at improving service quality on the front line: in branches, partner outlets, the call center, and service centers. Instructions were not migrated one-to-one; they were optimized before migration and their number was reduced, which simplified and unified the entire process.

After go-live, all instructions submitted in Eximee began to be handled in the central system, which is responsible for case management and report generation. Advisors gained real-time visibility into instruction statuses regardless of the channel through which they were submitted, which improved the transparency of the process.

In the final stage, the bank established an in-house low-code team, which took over responsibility for the ongoing development of the application, implementing changes, and conducting tests. As a result, the project did not stop at go-live; it became the foundation for further automation and optimization of processes across the organization.

Benefits

The Eximee implementation comprehensively improved the enforcement seizure process in terms of higher process quality and security, a lighter load for operations teams, and a better experience for advisors and customers, thereby laying the groundwork for further automation:

Speed

• automation of key process steps and elimination of manual work,
• reduction of instruction processing time from a maximum of 2 days to practically the same day (previously, precise time measurement was not possible because the process was fragmented),
• the ability to react immediately to special cases; for example, a consumer bankruptcy request automatically releases the seizures.

Process quality and security

• reduced risk of errors thanks to validations and automatic data retrieval from systems,
• a tighter process: responsibility for document completeness was shifted from branches to a dedicated enforcement seizure team,
• standardized documents and automatic archiving instead of manual handling,
• permission groups that depend on the service channel (branch, call center), which increased security and access control.

Support for advisors and customer service

• the advisor has a full picture of the enforcement seizure and can go from information to submitting an instruction in a single tool,
• instruction statuses are visible both to customers online and to employees in branches, partner outlets, the call center, and the helpdesk,
• customers receive text messages (SMS) confirming successful processing of their request, which increases transparency and satisfaction.

Relief for operations teams

• fewer erroneous instructions reaching the back office,
• fewer incorrect requests thanks to expanded validations,
• a “needs correction” status that allows a request to be amended rather than automatically rejected,
• more detailed analysis of rejected requests through reports and analytics tools.

Integration and scalability

• automatic retrieval of customer, enforcement title, and account data minimizes inconsistencies,
• integrating Eximee with other systems improves communication and access to information,
• the project set a standard that enables further optimization initiatives,
• built-in monitoring tools provide better control over the course of the process.

Conclusions

The Eximee implementation allowed the bank to completely reorganize and streamline its enforcement seizure handling. Advisors now work in one cohesive tool and have a full view of the customer’s situation, while customers receive faster and more transparent service.

The project has also become a foundation for further digitization and automation of processes. Planned improvements include:

• implementing a procedure for contacting the customer by phone when an instruction is rejected,
• enabling customers to submit instructions on their own, without contacting an advisor, through online and mobile banking.

These extensions will further reduce the need to contact an advisor, make things more convenient for users, and speed up instruction processing even more. As a result, the bank continues to build a modern, automated, and user-friendly ecosystem for handling enforcement processes.

FAQ

How can a bank automate the handling of enforcement seizures?

Automation requires moving away from working on scattered forms and toward a unified low-code environment integrated with a central system and a customer database (CIF). The key implementation steps include:

• mapping and optimizing processes in both as-is and to-be models, combined with eliminating redundant requests,
• implementing automated data validations and instant generation and archiving of legal documentation,
• introducing automated business rules (for example, immediately lifting blocks when a consumer bankruptcy request is filed),
• assigning permissions based on the service channel.

What features does Eximee Dashboard offer in banking?

Eximee Dashboard serves as a central management console for bank employees. After the customer’s CIF number is entered, it aggregates data from multiple systems and provides:

• a comprehensive list of enforcement actions: a consolidated view of all seizures (with filtering for active and inactive ones),
• financial and legal details: issue dates, original amounts, amounts remaining to be collected, and imposed restrictions,
• history and accounts: a list of accounts covered by the block and a complete record of payments made to date,
• contextual actions: going directly from analytics to submitting a dedicated instruction in the same window.

What enforcement instructions can be carried out through low-code?

A low-code platform makes it possible to consolidate previously scattered operations and carry out a full set of standardized instructions in a single interface:

• priority payout,
• suspension of enforcement,
• direct execution of the seizure,
• unblocking of a bank account,
• payment of bank fees and commissions,
• correction of an account transaction,
• consent to a change in the account relationship,
• consumer bankruptcy request.

How can banking processes be migrated from manual forms to a low-code platform?

• Process analysis and streamlining: map the current and target states. Instead of migrating the logic one-to-one, optimize the requests (for example, reduce the number of forms from 12 to 8).
• Standardized workflows: develop consistent fields, statuses, and validation rules for all front-line channels (branches, call center, helpdesk).
• System integration: connect the low-code layer with the central system that manages cases and reporting.
• Building in-house capabilities: establish a low-code team within the bank that takes over further development and testing of the application after implementation is complete.