Onboarding & KYC Workbench
Design layered due diligence journeys that balance frictionless biometric onboarding for low-risk customers with slower but thorough controls for higher-risk segments and institutional clients.
Biometric KYC in minutes for low-risk retail4-eye & committee controls for enhanced due diligenceTarget: minutes for low-risk, days for high-risk
Typical time to onboard
Low-risk retail: < 10 minutes (biometric + real-time screening)
SME: same-day onboarding with RM portal and layered controls
High-risk corporate: 2–3 business days with committee review
Frictionless Retail
Mobile-first biometric onboarding with real-time sanctions / PEP screening and automatic decisioning for low-risk customers.
- < 5 minutes average completion time
- SIMPLIFIED due diligence with straight-through processing
- Instant sanctions, PEP and adverse media checks
Layered SME / Corporate DD
Structured, slower but thorough journeys for SME and corporate onboarding, with multi-party screening and documented risk rationale.
- Standard / enhanced due diligence tiers
- UBO / director screening and source-of-wealth capture
- Embedded institutional control checklists
Institutional Controls
4-eye, committee and senior management sign-off pathways aligned to regulatory expectations for high-risk onboarding.
- Risk-tier-based control overlays
- Documented approval trail for regulators
- Built-in periodic review cadence
KYC applications
Filter by segment, risk tier, status and owner role.