Purpose: Verify identity, assess financial crime risk, and produce a fully auditable onboarding record.

Includes:
– Application Intake
– IDV (document, biometric, liveness)
– Sanctions / PEP / RCA Screening
– Adverse Media Review
– Risk Scoring
– Document Collection
– EDD Where Required
– Case Routing
– Compliance Approval & Activation

Purpose: Confirm the legitimacy of business clients and establish beneficial ownership.

Includes:
– Corporate Registry Verification
– Active Status Check
– BO Mapping
– UBO Identity Checks
– PEP/RCA Screening
– Industry Risk Scoring
– Offshore / Shell EDD
– MLRO Approval

Mapping natural persons with direct/indirect control over legal entities using FATF, FCA, and EU AMLD6 definitions.

Includes:
– Ownership hierarchy analysis
– Control-based BO assessment
– >25% and >10% thresholds
– Screening of directors & UBOs
– MLRO escalation for complex cases

Real-time screening for politically exposed persons, their relatives, and close associates.

Includes:
– Hit identification
– False positive reduction rules
– Level 1/2 review
– Enhanced monitoring setup
– Compliance approval documentation

Deep due diligence procedures for high-risk individuals and entities.

Includes:
– Source of Wealth validation
– Adverse media deep-dive
– Jurisdictional analysis
– High-risk industry checks
– Senior approval workflow
– EDD evidence file

Application of customer risk scoring and assignment of review cadence.

Includes:
– Transaction profile analysis
– AML behaviour risk mapping
– Periodic review rules
– Triggered review (sanctions, adverse media)

Verification of identity, address, financial documents, corporate filings, and risk evidence.

Includes:
– OCR extraction
– Metadata validation
– Fraud detection flags
– Cross-registry verification
– Analyst evidence notes
– Compliance sign-off

Automated or manual assignment based on risk, complexity, and SLA requirements.

Routing:
– Low → Automated
– Medium → Analyst
– High → Senior Analyst
– PEP/Sanctions → Compliance
– Complex KYB → Specialist Team

Triggered updates due to expired documents, risk changes, or regulatory updates.

Includes:
– Outreach
– Doc refresh
– Re-screening
– Re-assessment
– Compliance review
– Evidence archive

Formal removal of customers who fail to meet compliance requirements.

Includes:
– Account freeze
– AML investigation
– SAR filing (if required)
– Customer notification
– Archive evidence
– Do-Not-Onboard flag