F05 // Financial Intelligence · Onboarding

KYC and onboarding automation for regulated finance.

Document AI, sanctions and PEP screening, source-of-funds analysis and adaptive onboarding by jurisdiction and product — engineered to lift approval rates without lifting risk.

For brokerages, wealth firms and fintechs where the funnel between signup and first deposit decides commercial outcomes.

The Problem

Why firms come to us for this.

01
The KYC funnel leaks 40%+

Real customers abandon at document capture; the ones who complete are often the ones you should reject.

02
Every jurisdiction is a different flow

FCA, ASIC, CySEC, VFSC — each has its own required evidence, and each of your flows is a hand-coded fork.

03
Manual review is the bottleneck

The compliance queue grows faster than the team; approval SLAs slip; conversion drops.

Anatomy

What we actually build for you.

Every engagement is bespoke — but the underlying architecture follows the same layered pattern. Owned by you, deployed on your infrastructure.

L05Onboarding UI + jurisdiction engine
L04Document AI + biometric checks
L03Screening & risk-scoring services
L02Compliance case management
L01Core CRM & product integration
Capabilities

What ships in the box.

Adaptive onboarding flows

The right questions and evidence for the client's jurisdiction, product and risk profile — no unnecessary friction.

Document AI

ID, POA, bank statement and source-of-funds extraction with confidence scoring and human-in-the-loop review.

Sanctions / PEP / adverse-media

Continuous screening with clean, explainable match scoring.

Source-of-funds intelligence

SoF narrative + document analysis, cross-referenced with transaction patterns and declared income.

Ongoing due diligence

Trigger-based re-review — jurisdiction change, unusual activity, sanction listing — with full audit trail.

Compliance case management

Reviewer workbench with SLA tracking, decisioning history and regulator-ready exports.

Example

First-time UK CFD applicant.

Step 01
Signup — jurisdiction detected, adaptive form shows only the fields the FCA requires.
Step 02
Document capture — ID and POA parsed by document AI; confidence high; auto-passed.
Step 03
Screening — sanctions + PEP + adverse-media clear; risk score green.
Step 04
Approved and funded within 6 minutes; compliance queue never sees the case.
Integrates with
OnfidoSumsubPersonaComplyAdvantageRefinitivinternal CRM
Talk to Us

Scoping a build for a brokerage, wealth firm or fintech?

We take a small number of new engagements each quarter. Send a two-line brief and we'll respond within 48 hours.