Maker and checker Feature in AR Refund Process and Bank account creation

Summary: We have a business requirement to enable maker and checker feature for AR refund process.

Business requirement: if we issue refund in AR then the user who is issuing refund should take approval and once it is approved then create the refund in AP, similarly in AP if someone wants to void the payment it should go to for approval then only it will allow to void the payment.
Could you please confirm if this is feasible in fusion if not feasible then what is the workaround.

Similarly in Cash Management if someone (Maker) is going to create the bank account then he should not be able to create until it is approved by Checker in the system.