Credit Fleet Card Onboarding
Background
Private companies applying for Fleet Transport Cards faced long, fragmented onboarding processes. Each new credit application required multiple handoffs, manual screenings, and consultant back-and-forth with clients.
While the process wasn’t broken, it was slow, inconsistent, and frustrating for clients. The lack of straight-through processing (STP) made onboarding times stretch from days to weeks.
“Clients were constantly asked for the same information, and consultants had no single source of truth. The experience felt disjointed.”
The Challenges
No unified digital flow for corporate fleet card applications
Repeated requests for documents and company information
CASA and fraud checks triggered manual interventions
Sole proprietor flows often clashed with corporate onboarding rules
Onboarding timelines stretched unnecessarily, impacting client experience
“I had assets spread across five platforms, and I was managing them with spreadsheets. It was messy and honestly, overwhelming.” - David
Our Solution
We redesigned the entire onboarding journey in Salesforce C1, integrating it with the Fleet Management System (FMS) to enable real-time screening, data validation, and STP for private company use cases.
Step 1: Salesforce-Centric Entry Point
All new Fleet Transport Card applications originate in Salesforce C1 as Opportunities.
MuleSoft integration pre-screens clients (CASA, CIPC, Credit Bureau) before the application lands in C1.
Step 2: Product & Client Data Capture
Designed responsive Salesforce Lightning (SLDS) forms for company details, directors, related parties, and financials.
Configured entity-specific tabs (e.g., Private Company vs Sole Proprietor, with the latter excluded for this flow).
Step 3: Embedded Validation & Failovers
CASA, fraud, and adverse media results displayed in real time.
If flagged → system automatically generates a Case linked to the Opportunity.
If clear → flow continues without consultant intervention.
Step 4: Product Details & STP Flow
Consultants capture Fleet-specific credit account requirements.
-only products routed to fulfilment specialists; STP products processed in full by consultants.
The Results (Design Approved)
80% straight-through processing (STP) possible once built, reducing onboarding time from days to hours.
Clear failover scenarios documented for exceptions (fraud, incomplete data, non-STP products).
Unified Salesforce UI that consultants can use without swivel-chairing across multiple systems.
Compliance and risk validations embedded into the process — no duplicate manual checks required.
Developers received annotated Figma prototypes, UX flow diagrams, and payload mappings to accelerate build.
“This isn’t just faster onboarding, it’s a smarter, compliant, and consultant-friendly way to serve corporate clients.” - David
Final Takeaway
The Fleet Transport Card Onboarding redesign shows how Salesforce C1, integrated with FMS, can transform a heavy, manual banking process into a streamlined digital journey.
For Private Banking and Business Banking teams, the outcome is more than efficiency:
Clients onboard seamlessly
Consultants work smarter, not harder
The bank gains a scalable foundation for future products