What actions should the BPM application developer take to meet this requirement?

A bank is implementing a new loan request process as shown in the following Business Process Definition (BPD):


The bank has analyzed the process and determined that rework happens 80% of the time. Intervieews of the loan clerks who perform the review loan step show that the work to review the loan is complicated, and that help from more experienced clerks would benefit the less experienced clerks and reduce the amount of rework required.
The bank has done some research to identify the list of their most experienced loan clerks and requires the less experienced loan clerks to use the collaboration feature to get help from the more experienced clerks that are available.
What actions should the BPM application developer take to meet this requirement?
A. Use a team filter service to add the list of experienced users to the Loan Clerks team.
B. Use a team retrieval service to add the list of experienced users to the Loan Clerks team.
C. Add the list of experienced clerks to a new team and assign the new team as an expert team on the Review Loan task.
D. Add the list of experienced clerks to a new team and assign the new team as a managers team of the Loans Clerks team.

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