[STEP 1] partially negativeoxygen from water forms a covalent bond with the partially positivecarbon atom from the carbonyl group. the double bond in the carbonyl group breaks and the lone pair goes to the oxygen, giving it a negative charge
[STEP 2] C=O bond reforms and C-Cl bond breaks to give the chlorine atom a negative charge
[STEP 3] a bond forms between a the chloride ion and one of the hydrogens. This breaks the O-H bond, with both electrons going to the oxygen