Client Onboarding & KYC Skill
The Skill that turns onboarding from a queue into a runway — every new client, every jurisdiction, every KYC document, handled to house standard with a full audit trail.
Onboarding queues collapse under peak load, drift across jurisdictions, and turn into the single most common source of client complaint and regulator interest.
Every new client is triaged, documented, sanctions-screened and funding-source-assessed to the same house standard, with a full audit trail on every decision.
What this Skill needs and what it returns
- • Client-submitted identity and address documents
- • Funding source declaration and evidence
- • Jurisdiction
- • Product being applied for
- • Document classification and quality assessment
- • Sanctions and PEP screening result
- • Funding-source risk classification
- • Jurisdiction-specific compliance checklist status
- • Human-review escalation with reasoning, where required
- • House KYC policy per jurisdiction
- • Prior similar client patterns
- • Latest regulator communications
- • Every decision is logged with the policy version and the model version that made it.
- • Any borderline case escalates to a named compliance owner — never silently approves.
- • Sanctions lists are pulled from primary sources on every check, never cached beyond agreed freshness.
- • False-clear rate on a red-team sanctions set.
- • False-flag rate on known-good historical clients.
- • Median time from submission to decision.
- • Regulator-audit pass on a random sample of decisions.
Brokerages
skills
Onboarding is where a brokerage first meets its client and its regulator on the same day. Do it well and both trust you. Do it badly and both stop. The KYC Skill is how the OS makes 'well' the default at every hour, in every jurisdiction, at every volume.
What it actually does
- Ingests the submitted document pack and classifies each document — passport, utility bill, statement, other.
- Runs an image-quality and authenticity assessment on each document, flagging low-confidence ones for human review.
- Extracts the name, address, DOB and document-specific fields; cross-checks them against the client-submitted form.
- Screens the extracted identity against sanctions and PEP lists pulled fresh from primary sources.
- Classifies funding-source risk against the house rubric.
- Runs the jurisdiction-specific checklist end to end and produces a compliance summary a human can sign in one screen.
The regulator does not want a faster onboarding. It wants a more consistent one. The Skill delivers both.
Ship this Skill
This Skill is one of several we build inside a KJ Capital AI-First OS. Engagements start with a two-week £15k AI Diagnostic. We audit your systems, design the OS across the six layers, and ship the first version of Skills like this one inside the following six to twelve weeks.
FAQ
Does this replace our compliance team?
No. It replaces the queue. Compliance officers spend their time on the borderline cases and the policy work, not on stamping the ninety per cent of files that are clean.
How does this handle multiple jurisdictions?
One policy per jurisdiction, versioned in Firm Memory. The Skill picks the right policy from the client's declared jurisdiction and applies it.
What about biometric ID vendors we already use?
They plug in as tools the Skill calls. The Skill does not replace the vendor; it orchestrates them.
Ship this Skill inside your firm
Every KJ Capital engagement begins with a two-week £15k AI Diagnostic. We design your AI-First OS end-to-end, cost the build, and name the first three Skills to ship.