KYC/AML Compliance Software Development

ID document OCR and authenticity checks confirm that the document is genuine and the data is readable -- checking security features, font consistency, and document metadata against the expected profile for each document type and issuing country. Biometric liveness detection uses facial comparison against the document photo and an active liveness challenge to confirm the person submitting the document is the person in it -- detecting spoofing attempts using printed photos, videos, or 3D masks.

We integrate with Jumio, Onfido, or Persona depending on your jurisdiction coverage requirements, document type breadth, and existing vendor relationships. Each provider has different strengths: Jumio covers a wider global document set; Onfido has strong fraud signal data in European and UK markets; Persona offers flexible workflow orchestration for products requiring a bespoke decision tree.

Confidence thresholds are configurable per risk tier -- a low-risk, low-value customer might pass with a lower confidence score while a high-risk or high-value customer requires a higher threshold before auto-approval. Customers who fall below the auto-pass threshold but above the auto-reject threshold are routed to a manual review queue with the document images and check results pre-assembled for the reviewer.

The mobile-first onboarding UX is designed to convert legitimate customers quickly -- typical document capture and liveness check completes in under 90 seconds -- while keeping the compliance logic intact underneath.

Real-time screening runs at onboarding and on a scheduled basis for your existing customer base. Sanctions lists covered include OFAC SDN and non-SDN consolidated list, the EU Consolidated Sanctions List, UN Security Council Consolidated List, and HMT UK financial sanctions register. For crypto and cross-border payment products, additional jurisdictions such as SECO (Switzerland) and DFAT (Australia) are added based on your geographic exposure.

PEP screening identifies Politically Exposed Persons and their close associates and family members -- a category requiring enhanced due diligence under AML5D and FATF guidance. Adverse media monitoring scans structured news feeds for negative financial crime, fraud, and regulatory enforcement coverage associated with the customer's name.

Data providers are selected based on your budget and coverage requirements: ComplyAdvantage offers a competitive API with strong adverse media coverage; Refinitiv World-Check has deep PEP database coverage; Dow Jones Risk and Compliance suits regulated financial institutions needing premium entity resolution.

Match thresholds are configurable -- you set the fuzzy match sensitivity and receive reason codes for every alert so analysts understand precisely why a record was flagged. A match on a common name in a population where that name is frequent generates a different reason code and routing than a high-confidence match on a rare name with corroborating date-of-birth data. Routing logic handles automatic pass, automatic fail, and manual review based on match score and the risk tier of the customer.

The risk scoring engine assigns a weighted risk score to each customer based on configurable attributes: customer type (individual, business, trust, foundation), geography (FATF high-risk and monitored jurisdictions, your own jurisdiction blacklist), transaction profile (expected monthly volumes, average transaction size, product type), PEP status and tier (head of state, senior government official, close associate), and industry or business activity (money service business, cash-intensive sector, high-risk product vertical).

CDD/EDD tiering is driven by the score output. Standard due diligence applies to low-risk customers -- document check plus sanctions screening. Enhanced due diligence (EDD) is triggered automatically for customers whose score breaches the high-risk threshold: beneficial ownership verification under FinCEN Rule 31 CFR Part 1010.230 for US business customers, source of funds documentation, and senior management approval before the account is activated.

The output is a tiered risk classification -- low, medium, high -- that drives which KYC level the customer goes through, what screening depth applies, and how frequently they are re-reviewed. Periodic re-review schedules are set per tier: low-risk customers reviewed every 24 months, high-risk customers every 6 months. Your compliance team can adjust weights and thresholds in the admin dashboard without engineering involvement. Rule changes take effect immediately with a full audit log of who changed what and when.

KYC is not a one-time event. Your existing customer base needs periodic re-screening as sanctions lists are updated and as customer circumstances change. Scheduled re-screening runs against updated lists automatically, with alerts surfaced only when there is a new match -- not every time the list refreshes for a customer with no match. This prevents alert fatigue from rescreening noise.

Event-triggered re-KYC fires when a customer's status changes: a business customer adding a new beneficial owner under the FinCEN beneficial ownership rule, a customer address moving to a high-risk jurisdiction, or a transaction pattern shifting significantly from the declared profile at onboarding.

AML transaction monitoring uses configurable rule sets covering the standard detection typologies: velocity rules (transaction count above threshold within a rolling window), amount threshold rules (single transactions or aggregated amounts above reporting thresholds), structuring detection (multiple transactions just below $10,000 that suggest deliberate avoidance of FinCEN CTR filing requirements for transactions above that threshold), and rapid in-out movement (funds received and transferred out within a short time window). Rules are configured per product type and customer risk tier.

Alerts are routed to the analyst triage queue with the supporting transaction data, customer risk profile, and prior alert history already assembled -- so the analyst is not spending time gathering information before they can make a decision. SAR/STR automated filing workflow pre-populates the regulatory report template from the case data for the analyst to review before submission. Automated FinCEN CTR filing is generated for qualifying cash transactions above $10,000.

High-risk customers require more than a standard KYC check. The EDD workflow collects structured data beyond the standard onboarding form: beneficial ownership verification for business customers following FinCEN Rule 31 CFR Part 1010.230, which requires identification and verification of any natural person owning 25% or more of a legal entity customer, plus the controlling person; source of funds documentation showing where the funds being deposited come from; source of wealth statements for high-net-worth customers; and industry-specific risk questions calibrated to the customer's declared business activity.

EDD triggers fire automatically when the risk scoring engine classifies a customer as high-risk, when an analyst escalates a standard review, or when a transaction monitoring alert is linked to a customer who has not been through EDD. The workflow is structured so the analyst is prompted to collect each required document type in sequence, with configurable document request templates sent to the customer directly from the case management system.

Senior management approval workflows route EDD decisions to the right level within your organisation based on the customer's risk score and product exposure. EDD review scheduling triggers periodic re-review for high-risk customers on the cadence your policies require -- typically every 6 to 12 months. All EDD documentation is stored against the customer record with a complete, timestamped decision audit trail that survives regulatory examination.

GDPR Article 17 right-to-erasure requests are handled within the compliance framework -- the system flags when an erasure request conflicts with AML record retention obligations (typically 5 years post-relationship end under AML5D), so compliance teams can respond to the request accurately rather than accidentally deleting records they are legally required to retain.

Compliance officers need a single place to manage KYC reviews, AML alerts, fraud referrals, and EDD cases. The case management system unifies all of these in one queue with analyst assignment, workload management, and escalation rules. Cases are prioritised by risk tier, alert type, and age -- high-risk EDD cases that have been open for more than 5 days escalate automatically to the compliance manager.

Every decision -- approve, reject, escalate, request more information -- is recorded with the evidence that supported it, the analyst who made it, the reasoning entered, and the timestamp. This produces the complete, time-ordered decision log that a regulatory examination requires, without analysts having to reconstruct their reasoning weeks after the fact.

SAR/STR draft generation pulls the relevant transaction data, customer profile, and monitoring alert history into a pre-populated Suspicious Activity Report template for the analyst to review, complete, and submit. The workflow enforces a review step so no SAR is filed without a second-level authorisation, matching the internal control requirements most compliance programmes require. Automated FinCEN CTR filing for cash transactions above $10,000 is generated from the transaction data without requiring the analyst to manually compile the report.

Regulatory reporting exports produce the data extracts your regulator requires in the format they expect -- whether that is a structured XML file for a FinCEN batch submission, a CSV for the FCA data request, or a custom extract for your AML officer's board reporting pack.