Workflow automation has been around as long as computing has, and has evolved with the large technology shifts that have taken place. This column focuses on one element about which lenders should be thinking when configuring workflow in their systems. The author defines the term "exception-based workflow" as utilizing workflow within a given system, such that human resources are only notified on an exception basis. It is not good enough to just automate processes. People still will be monitoring the process as it runs through to completion. The goal is to design the process and configure the system so that people are only notified or called upon when they need to be -- on an exception basis. If the process runs correctly and returns results within appropriate ranges, then move to the next step.