Create the Stakeholder row first, then create the person's Individual ComplianceEntity with the row as subject, then PATCH accountSuppliedComplianceEntityId onto the row. These people grant no Account access. The current controller becomes the payee Business representative; other people with at least 25% ownership become its beneficial owners.
Every person needs every required identity field before Banking runs KYC on anyone. If one person lacks a field, the Business is not Verified and verify does not name the missing field. After a person's manual review completes, run verify on the Business again. After advancing a person's identity, point this row at the successor.
A first-try TIN mismatch removes the Business name and EIN so they can be re-entered. Until they are re-entered, the 1099 falls back to V1 payer-provided W-9 data or has no complete W-9.
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