KYC & Client Onboarding
Automated KYC checks, document collection, identity verification, beneficial ownership analysis, and risk scoring — with full compliance audit trails. Onboard clients in minutes, not days.
Your onboarding process is losing clients before they even start
Opening a new account shouldn't take three days. But between identity verification, document collection, sanctions screening, beneficial ownership analysis, and risk assessment, the typical KYC process involves a dozen manual steps, multiple handoffs, and constant back-and-forth with the client for missing documents. Every day of delay is a day your competitor can close the deal instead.
The compliance risk is just as real as the business risk. Missing a document, using an outdated screening list, or failing to verify beneficial ownership can result in regulatory action, fines, and reputational damage. Your team knows this — which is why they triple-check everything manually, which is why it takes three days.
The verification data exists. The screening databases are accessible. The document requirements are well-defined. What's missing is an automated workflow that can orchestrate all of it in parallel, flag exceptions, and produce an examiner-ready audit trail — without making the client wait.
From application to active account — automatically
Application Intake
A new client application arrives — via web portal, advisor submission, or API. SectorFlow captures the application data, validates completeness, and immediately identifies any missing required fields or documents before proceeding.
Identity & Entity Verification
The AI runs identity verification checks in parallel — government ID validation, address verification, entity registration lookup, and beneficial ownership resolution for corporate accounts. All results are captured with timestamps and source references.
Screening & Risk Assessment
All parties are screened against PEP lists, sanctions databases, adverse media, and internal watchlists. The AI assigns a risk rating based on customer type, geography, product, transaction profile, and screening results — with full transparency into the scoring factors.
Document Collection
The AI tracks required documents by account type and risk level — automatically requesting missing items from the client, validating uploaded documents, and flagging expirations or discrepancies. No more manual follow-up emails or spreadsheet tracking.
Account Activation
Once all checks pass and documents are collected, the AI assembles a complete onboarding package for final review. Standard-risk accounts can be auto-approved per your policy; high-risk accounts are routed to a senior reviewer with a full case summary. The client is notified, and the account is activated with a complete audit trail.
This isn't a form — it's a client onboarding engine
Every capability your onboarding team needs, built in from day one.
Automated ID Verification
Government ID validation, address verification, and identity matching — run in parallel across multiple verification providers for speed and accuracy.
PEP/Sanctions Screening
Real-time screening against OFAC, EU, UN, and global sanctions lists, PEP databases, and adverse media — with fuzzy matching for name variations and transliterations.
Beneficial Ownership
Automatically resolves corporate ownership structures, identifies ultimate beneficial owners, and screens all parties — even through multi-layered entity hierarchies.
Document Tracking
Tracks every required document by account type and risk level. Automatically requests missing items, validates uploads, and flags expirations — no spreadsheets required.
Risk Scoring
Configurable risk scoring based on customer type, geography, product, transaction profile, and screening results. Standard-risk accounts auto-approve; high-risk accounts route to review.
Compliance Audit Trail
Every verification, screening result, document collection event, and approval decision is logged with timestamps and source references — ready for examiner review.
Connects to the systems you already run
Salesforce
Okta
Microsoft Teams
Don't see your core banking platform? We integrate with any system via API. Talk to us.
What onboarding teams are seeing
Avg. onboarding time (vs 3 days)
Document collection rate
Compliance exceptions
Based on pilot deployments. Your results will depend on account types, risk mix, and system configuration.
"Our average time-to-account was 3.2 days. We were losing prospects to competitors who could open accounts same-day. Now our standard-risk clients are onboarded in under 25 minutes — fully verified, fully documented, fully compliant. The AI handles the verification orchestration and document collection that used to take our team days of back-and-forth. We haven't had a single compliance exception since going live."
— Head of Client Onboarding, Wealth Management Firm
Frequently Asked Questions
See What 22-Minute Onboarding Looks Like for Your Team
Book a 30-minute discovery call. We'll walk through the KYC & Onboarding flow with your account types and your compliance requirements.
← Back to Financial Services Sector