Keep KYC aligned with changing risk

Build a reliable customer profile from the start. Bring internal records, identity checks and external intelligence together, supporting proportionate onboarding decisions with fewer manual handoffs and less repeated data collection.

• Connect preferred providers for identity verification, questionnaires and document collection
• Assess customers and connected parties using configurable onboarding risk criteria
• Integrate sanctions, PEP and adverse media screening into onboarding workflows

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Understand the factors behind customer risk. Consolidate profile, ownership, screening and behavioral signals into a dynamic assessment. Configurable scores and thresholds help teams distinguish material changes from routine activity and apply the right level of due diligence.

• Combine customer details, geographic exposure and connected-party risk in a single assessment
• Enrich corporate structures through third-party data to identify beneficial owners and assess their risk
• Connect transaction monitoring findings to expected customer behavior

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Keep customer understanding current as customer risk changes. Perpetual KYC (pKYC) uses incoming data and configured events to reassess risk and trigger targeted reviews. Focus effort on changes that matter while maintaining scheduled reviews required by institutional policy and applicable obligations.

• Monitor changes in customer information, ownership, screening status and activity across connected data sources
• Configure event thresholds to trigger agent-led proportionate due diligence and escalation
• Carry forward relevant evidence so reviewers can assess what changed without rebuilding the entire customer profile each time

Turn risk signals into prepared cases. A Manager Agent coordinates specialized Worker Agents to research entities, assemble evidence and support risk assessment. Agents triage and route work, helping reviewers make consistent CDD and enhanced due diligence (EDD) decisions with the key facts already available.

• Prioritize review queues by customer risk and investigation complexity
• Bring research, ownership findings and related alerts into a shared Evidence Board for assessment
• Prepare case summaries and disclosure narratives for human review, approval and subsequent reporting where required

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Explain how each customer decision was reached. Connect source evidence, risk scores, agent actions and reviewer judgments through an auditable workflow. Configure approval requirements and escalation boundaries so automation supports policy and oversight across the customer lifecycle.

• Retain the evidence, score changes and rationale behind onboarding, ongoing review and enhanced due diligence decisions
• Apply access controls and human approval requirements to agent workflows and higher-risk customer decisions
• Govern changes to scoring, review triggers and workflows before putting them into operation

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