KYC360 Customer Onboarding Features
Explore the capabilities that power customer onboarding, KYC, KYB, risk assessment, screening, workflow automation and customer outreach.
The below provides a detailed overview of the features available within KYC360 Customer Onboarding. From customer data collection and relationship management to KYC and KYB, screening, risk assessment, workflow automation, approvals and auditability, the matrix below outlines the functionality available to support compliant and efficient customer onboarding processes.
| Category | Feature | Availability | Description |
| Business and KYB onboarding | Business onboarding | Yes | Build risk-based onboarding journeys specifically for corporate and other legal-entity customers. |
| Business and KYB onboarding | KYB data lookup | Yes | Retrieve business information during onboarding to reduce manual research and improve the quality of information used in decision-making. |
| Business and KYB onboarding | Experian KYB data | Yes | Bring Experian business information directly into onboarding, including public company data, key parties, address verification and fraud watchlist information for supported UK use cases. |
| Business and KYB onboarding | Pre-populated company information | Yes | Use available business data to reduce the amount of information customers and analysts need to enter manually. |
| Business and KYB onboarding | Ownership and relationship intelligence | Yes | Investigate company relationships and structures using integrated corporate intelligence capabilities. |
| Business and KYB onboarding | Corporate relationship graphs | Yes | Visualise relationships between businesses and associated parties to make complex structures easier to understand. |
| Business and KYB onboarding | Kompany KYB data lookup | Yes | Retrieve business information from Kompany as an alternative KYB data source during onboarding. |
| Business and KYB onboarding | Dun & Bradstreet (D&B) KYB data lookup | Yes | Retrieve business information from Dun & Bradstreet as an alternative KYB data source during onboarding. |
| Business and KYB onboarding | Charity register and MSB checks | Yes | Where relevant, pull through Charity Register data (charity number, status, income/expenditure) and Money Service Business (MSB) checks as part of the Experian KYB result set. |
| Business and KYB onboarding | Business address evidence | Yes | Supply a street-level photograph of a company's registered address, with the date and time the evidence was captured, as part of KYB results. |
| Business and KYB onboarding | Director disqualification and key-party risk indicators | Yes | Surface director disqualification counts and automated Company Structure / Key Party Risk / Address Risk indicators as part of KYB results. |
| Complex entity onboarding | Complex corporate onboarding | Yes | Manage onboarding processes involving multiple related individuals, businesses and ownership relationships within a joined-up workflow. |
| Complex entity onboarding | Multi-party data collection | Yes | Split a single information request between different people so each contributor provides the information relevant to them. |
| Complex entity onboarding | Parallel data collection | Yes | Allow multiple contributors to complete different parts of an onboarding at the same time. |
| Complex entity onboarding | Sequential data collection | Yes | Control the order in which contributors complete information where one submission needs to precede another. |
| Complex entity onboarding | Automatic prospect creation | Yes | Create additional onboarding journeys automatically when relevant people or entities are identified during data collection. |
| Complex entity onboarding | Related-party onboarding | Yes | Manage connected people and organisations as part of the wider customer's due diligence process. |
| Complex entity onboarding | Intermediary support | Yes | Allow designated intermediaries to manage aspects of data collection for related parties where appropriate. |
| Configurable onboarding journeys | Configurable onboarding journeys | Yes | Create different onboarding processes for individuals, businesses and other customer types, with data, verification, screening and approval requirements tailored to each journey. |
| Configurable onboarding journeys | No-code configuration | Yes | Configure onboarding journeys, data requirements, risk rules and approval pathways without relying on development teams for every change. |
| Configurable onboarding journeys | Risk-based journeys | Yes | Automatically adapt the onboarding process according to the risk identified, applying different verification, screening and approval requirements where appropriate. |
| Configurable onboarding journeys | Reusable onboarding types | Yes | Create, copy, import and export onboarding configurations to make it easier to deploy consistent processes across teams and use cases. |
| Configurable onboarding journeys | Straight-through processing | Yes | Allow eligible lower-risk customers to progress automatically through configured stages and approvals, reducing unnecessary manual intervention. |
| Data sharing and reuse | Networked KYC | Yes | Securely share verified KYC information between approved participants within defined networks. |
| Data sharing and reuse | Consent-based data sharing | Yes | Capture customer consent before verified information is made available for reuse. |
| Data sharing and reuse | Reusable verified data | Yes | Reduce repeated customer outreach by reusing eligible information that has already been collected and verified. |
| Data sharing and reuse | Supporting document sharing | Yes | Share supporting KYC documents alongside verified data where permitted. |
| Data sharing and reuse | Identity submission sharing | Yes | Make relevant electronic identity-verification submissions available to participating organisations. |
| Data sharing and reuse | Audit provenance | Yes | Retain information about the source and history of shared KYC evidence. |
| Data sharing and reuse | Independent decision-making | Yes | Allow participating organisations to use shared evidence while retaining their own compliance and reliance decisions. |
| Dynamic customer data collection | Dynamic data collection | Yes | Ask customers for information based on their responses, circumstances and risk rather than presenting everyone with the same static form. |
| Dynamic customer data collection | Conditional questions and documents | Yes | Trigger additional questions, properties, sections or document requests when defined conditions are met. |
| Dynamic customer data collection | Targeted enhanced due diligence | Yes | Request additional information when risk indicators emerge instead of increasing friction for every customer. |
| Dynamic customer data collection | Configurable lists and fields | Yes | Tailor the information customers can provide and the options presented within different onboarding journeys. |
| Dynamic customer data collection | Responsive digital forms | Yes | Give customers a modern digital data collection experience designed to work smoothly across devices. |
| Dynamic customer data collection | Offline data collection | Yes | Support processes where information needs to be collected outside the standard online journey and brought into onboarding. |
| Group and ownership management | Prospect groups | Yes | Bring related prospects together so teams can manage connected customers as part of the same structure. |
| Group and ownership management | Structural charts | Yes | Visualise relationships between prospects to make complex ownership and customer structures easier to investigate. |
| Group and ownership management | Group risk assessment | Yes | Evaluate risk across related prospects rather than assessing every entity purely in isolation. |
| Group and ownership management | Group risk rules | Yes | Configure how individual and group-level information contributes to the assessment of the wider structure. |
| Group and ownership management | Group approval controls | Yes | Apply approval rules to prospect groups as part of complex onboarding processes. |
| Group and ownership management | Multiple group relationships | Yes | Associate a prospect with more than one relevant group where the customer structure requires it. |
| Identity verification | Integrated identity verification | Yes | Incorporate electronic identity verification directly into the onboarding journey rather than relying on a disconnected process. |
| Identity verification | Risk-based verification profiles | Yes | Apply different identity-verification requirements according to the customer's assessed level of risk. |
| Identity verification | Document review | Yes | Bring submitted identity documentation and verification results into the onboarding record for analyst review. |
| Identity verification | Address verification | Yes | Review address-verification information alongside wider identity-check results where required. |
| Identity verification | Manual verification submissions | Yes | Support cases where identity documents or verification information need to be added manually. |
| Identity verification | Configurable identity approvals | Yes | Define how identity results are reviewed and when manual approval is required. |
| Identity verification | Automated identity approval | Yes | Automatically progress qualifying customers when configured verification requirements have been satisfied. |
| Integration and deployment | API integration | Yes | Connect onboarding with existing customer, CRM and compliance systems using APIs. |
| Integration and deployment | Batch and real-time integration | Yes | Support different integration models depending on how customer information needs to move between systems. |
| Integration and deployment | No-code integration | Yes | Use configurable integration capabilities to connect processes without always requiring bespoke development. |
| Integration and deployment | Integrated data providers | Configuration dependent | Bring external identity, business and financial crime data into the onboarding workflow. |
| Integration and deployment | Test and pre-production environments | Yes | Validate integrations and changes safely before introducing them into production. |
| Integration and deployment | Flexible deployment | Configuration dependent | Support enterprise technology architectures through configurable deployment and integration options. |
| Onboarding operations and dashboards | Central onboarding dashboard | Yes | See onboarding journeys and assignments from a single operational view. |
| Onboarding operations and dashboards | Stage and status tracking | Yes | Understand where each customer sits in the onboarding journey and what needs to happen next. |
| Onboarding operations and dashboards | Task management | Yes | Give users a central view of the onboarding work assigned to them. |
| Onboarding operations and dashboards | Configurable SLA tracking | Yes | Set target completion times for onboarding stages and identify journeys approaching or exceeding them. |
| Onboarding operations and dashboards | Team performance visibility | Yes | Give supervisors and managers visibility into team workload and performance metrics. |
| Onboarding operations and dashboards | Operational filtering | Yes | Filter onboarding activity by stage, type, handler, source and other criteria to focus on the cases that matter. |
| Onboarding operations and dashboards | Prospect and onboarding cloning | Yes | Clone an existing prospect and/or their onboarding, including mapping to a new onboarding type, to speed up creation of related or near-duplicate records. |
| Personalised customer experience | Branded onboarding portals | Yes | Apply your organisation's branding to customer-facing onboarding experiences, including colours, fonts, logos and imagery. |
| Personalised customer experience | Custom welcome and confirmation content | Yes | Tailor messages customers receive at important points throughout their onboarding journey. |
| Personalised customer experience | Branded email communications | Yes | Configure customer emails with your own content, branding, headers, footers and calls to action. |
| Personalised customer experience | Bespoke email domains | Yes | Support branded communications that feel like a natural extension of your organisation's customer experience. |
| Personalised customer experience | Automated reminders | Yes | Prompt customers when information remains outstanding to help keep onboarding moving. |
| Personalised customer experience | Multiple contact recipients | Yes | Send requests and communications to additional email addresses where more than one person needs to participate. |
| Platform administration and security | Two-factor staff authentication | Yes | Require a one-time passcode, sent by email, for staff logging into the platform when two-factor authentication is enabled on their profile. |
| Pre-screening and AML screening | Pre-screening | Yes | Identify potential financial crime risk before completing the full data collection and verification process. |
| Pre-screening and AML screening | Live adverse media pre-screening | Optional module | Check for relevant adverse media at the beginning of an onboarding journey to help identify higher-risk prospects earlier. |
| Pre-screening and AML screening | Integrated AML screening | Yes | Screen prospects as part of the same onboarding process rather than transferring information between separate systems. |
| Pre-screening and AML screening | Risk-based screening criteria | Yes | Apply different screening criteria based on the customer's assessed risk. |
| Pre-screening and AML screening | Potential match investigation | Yes | Review potential screening matches within the onboarding record and determine whether they are relevant. |
| Pre-screening and AML screening | Documented match decisions | Yes | Discount, accept or reject relevant screening matches while recording the rationale behind key decisions. |
| Reporting and auditability | Complete onboarding audit trail | Yes | Maintain an auditable history of customer information, actions, decisions and changes throughout onboarding. |
| Reporting and auditability | Risk decision history | Yes | Record calculated risk assessments, overrides, reasons and the users responsible for changes. |
| Reporting and auditability | Downloadable onboarding reports | Yes | Export onboarding information for review, evidence and audit purposes. |
| Reporting and auditability | Data collection reporting | Yes | Report on information collected through customer onboarding processes. |
| Reporting and auditability | Operational reporting | Yes | Analyse onboarding volumes, stages and activity to support management oversight. |
| Reporting and auditability | SLA reporting | Yes | Monitor whether onboarding journeys are completing within defined service levels. |
| Risk assessment | Configurable risk rules | Yes | Define the factors that contribute to customer risk in line with your organisation's methodology and risk appetite. |
| Risk assessment | Weighted risk scoring | Yes | Assign different weightings to risk factors and calculate customer risk using configurable weighted models. |
| Risk assessment | Configurable risk bands | Yes | Define the risk classifications used within your onboarding process and the thresholds between them. |
| Risk assessment | Dynamic risk-driven controls | Yes | Use customer risk to determine the information, verification, screening and approvals required as onboarding progresses. |
| Risk assessment | Risk factor overrides | Yes | Allow authorised users to adjust individual risk factors when judgement or additional information needs to be taken into account. |
| Risk assessment | Manual risk override | Yes | Override an overall calculated risk assessment where appropriate, while capturing the reason for the decision. |
| Risk assessment | Auditable risk decisions | Yes | Record changes, justifications, timestamps and users so that manual intervention remains transparent and reviewable. |
| Workflow and approvals | Risk-based approval workflows | Yes | Route customers through different approval processes depending on their risk and onboarding requirements. |
| Workflow and approvals | Multi-level compliance approval | Yes | Escalate cases to the relevant authorised users where additional approval is required. |
| Workflow and approvals | Automated progression | Yes | Move customers between stages automatically when configured conditions and approvals are satisfied. |
| Workflow and approvals | Manual intervention when required | Yes | Give teams the ability to review, approve, reject or return customers to earlier stages when further work is required. |
| Workflow and approvals | Handler assignment | Yes | Allocate onboarding journeys to the appropriate users and teams for ownership and review. |
| Workflow and approvals | Automated workflow alerts | Yes | Notify relevant users when important onboarding events occur or action is required. |
| Workflow and approvals | Perpetual KYC | Yes | Create rules based on a variety of data points (Risk, Collected Data, ID Documentation, Onboarded Date) that will trigger a configured review process. This could be an alert to your compliance team, or a full refresh KYC request being sent to the customer. |