A scheme can be set up to follow the manual approval workflow process. Manual workflow allows for the configuration of workflow statuses which can be progressed by a user as approval takes place.
Unlike automatic approval workflow, it is up to the user to ensure that proposals are reviewed and physically signed off by the correct people before advancing the status. The status can be moved forwards or backwards at any point.
Configuration allows any number of statuses to be added to the workflow by any user with client admin access.
You can read more about manual approval workflow here.