Four environments, one review standard.
Each is one compliance team’s queue, with synthetic records, screening results and policies.
KYC
Onboarding files for individuals and businesses, CDD through EDD.
- Set document requirements by customer type, product, jurisdiction and geography.
- Collect documents and data.
- Verify the customer, related parties and beneficial owners; for businesses, registers, filings and control.
- Screen for PEP, sanctions and adverse media.
- Establish source of funds and wealth where needed.
- Set the risk rating.
Transaction Monitoring
Fiat and crypto alerts, worked to a disposition.
- Review the alert against the customer profile and prior alerts.
- Analyse transactions, counterparties and wallet exposure.
- Identify red flags; match or rule out a typology.
- Request information if needed.
- Write up the rationale.
Sanctions Screening
Hits on customers, counterparties and wallets, adjudicated before the payment moves.
- Compare the hit with the list entry’s identifiers.
- Decide true match or false positive, and record why.
- Check ownership and control.
- Review the payment route, intermediaries and goods.
Fraud Prevention
Flagged logins, payments and new accounts, decided on the signals at hand.
- Review device, login and behaviour signals.
- Check the payment against history and payee.
- Identify the pattern: account takeover, APP scam, mule or first-party fraud.
- Weigh the loss against turning away a genuine customer.
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