Please, lets find solution to this problem
You ought to direct the problem statement at yourself, not everyone sees it as a problem.
Na wa o? All these problems! Sounds like you were asked to come up with a "proof of concept" stuff for a bank.
Well, from what you requested, only 3 & 4 have a "somewhat" standard procedure. The others(those including Policies) are dependent on the requirements of the Bank/organization you are implementing it for. A proper documentation for these comes with the software when you download it from Windows site.