A user explorer for regulated firms: ID document capture, sanctions screening, PEP checks, ongoing monitoring, evidence trail. We integrate Onfido, ComplyAdvantage, SmartSearch, or your incumbent provider. One screen for the operator. Every step time-stamped for the regulator.
Onboarding, identity, sanctions, ongoing monitoring — one operator view, audit-trail-ready.
Mobile-first ID capture flow. Driving licence, passport, utility bill. Liveness check. Auto-extract of name, DOB, address. Drop-off rate engineered down, not just measured.
Real-time sanctions and PEP screening through ComplyAdvantage or SmartSearch. Hit triggers manual review. False-positive flagged for the next time.
Low risk auto-approves. Medium risk goes to junior reviewer. High risk goes to MLRO with a documented rationale. The customer's onboarding speed matches their risk.
Reviewer sees the documents, the extracts, the screening results, the prior history, all in one row. Approve, decline, or request more — each with a reason captured.
Periodic re-screening against the lists. Address changes flagged. Transaction patterns deviating from profile flagged. The customer doesn't get re-onboarded, but the firm stays compliant.
Regulator asks; you click. PDF audit pack: documents, decisions, screenings, timestamps, reviewer IDs. Survives s.166. Survives MLR audit. Survives the next FCA visit.
A challenger SME lender ran KYC on email, with a shared folder of customer PDFs. Median onboarding: 4.2 days. We shipped a custom KYC explorer integrating their existing ComplyAdvantage subscription. Six weeks in: median onboarding 47 minutes, MLRO escalation rate dropped (better signal), the next FCA file review came back without findings.
How we measure: Onboarding time measured from customer submission to decision (n = 312 over 12 weeks pre/post), MLRO escalation rate tracked via app, FCA findings sourced directly from the regulatory letter.
Most-relevant verticals — but the same shape works for adjacent ones.
We map your risk model, integrate your providers, ship the audit pack.