KYC Assistant
Automated customer due diligence — document verification, PEP screening, sanctions checks, and risk scoring for banking onboarding.
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KYC Assistant · Agent Mesh
Application Intake
Customer submits KYC application with required documents.
Technical Design
Automated KYC platform handling customer onboarding with document verification, PEP/sanctions screening, and risk scoring. Integrates with core banking and AML systems for seamless onboarding.
System Components
Document Verifier
OCR and fraud detection for identity documents
Screening Engine
PEP, sanctions, and adverse media screening
Risk Calculator
Multi-factor customer risk scoring
Case Manager
Compliance review workflow and case management
Monitoring Service
Ongoing risk monitoring and alerting
Data Flow
Technology Choice
Azure AI Foundry + LangChain
Azure AI Foundry provides document intelligence for ID verification and OCR. LangChain orchestrates the multi-step KYC workflow with screening and risk tools.
Alternatives Considered
AWS Bedrock + LangGraph, Google Vertex AI + AutoGen
Core Frameworks
Azure AI Foundry
Document verification and OCR
LangChain
KYC workflow orchestration
Azure AI Vision
Document and liveness verification
FastAPI
REST API for onboarding portal
Implementation Plan
Document Engine
- OCR integration
- Liveness detection
- Fraud checks
Screening Layer
- PEP/sanctions integration
- Adverse media
- Watchlist feeds
Risk & Compliance
- Risk models
- Case management
- Audit trail
Production Launch
- Onboarding portal
- Banking integration
- Monitoring dashboard
Key Milestones
Risk Mitigation
Key Features
Document Verification
AI-powered ID document verification with OCR, liveness detection, and fraud checks.
PEP Screening
Automated Politically Exposed Person screening with global watchlist databases.
Sanctions Checks
Real-time sanctions screening against OFAC, EU, UN, and local lists.
Risk Scoring
Customer risk scoring based on document data, screening results, and behavioral signals.
Beneficial Ownership
Identify and verify ultimate beneficial ownership structures.
Ongoing Monitoring
Continuous monitoring for changes in risk profile and adverse media.
How It Works
Application Intake
Customer submits KYC application with required documents.
Document Verification
AI verifies identity documents and extracts key information.
PEP & Sanctions
Screen against global PEP and sanctions databases.
Risk Assessment
Calculate customer risk score based on all available data.
Compliance Review
Compliance officer reviews flagged cases and approves low-risk.
Account Opening
Approved customers proceed to account opening.
Ongoing Monitoring
Continuous monitoring for risk profile changes.
Multi-Agent Architecture
Document Agent
Verifies identity documents using OCR and fraud detection.
- OCR extraction
- Liveness detection
- Fraud analysis
- Document validation
Screening Agent
Performs PEP and sanctions screening against global databases.
- PEP matching
- Sanctions checks
- Adverse media
- Watchlist screening
Risk Agent
Calculates customer risk scores based on multiple factors.
- Risk scoring
- Factor analysis
- Threshold management
- Escalation triggers
Compliance Agent
Ensures KYC process meets regulatory requirements.
- Regulatory checks
- Audit trail
- Compliance reporting
- Exception handling
Use Cases
Retail Banking
KYC for individual retail banking customers.
Corporate Banking
Enhanced due diligence for corporate and institutional clients.
Digital Onboarding
Fully digital KYC for remote customer onboarding.
Periodic Refresh
Periodic KYC refresh and risk reassessment for existing customers.
Regulatory Examination
Supporting regulatory examinations with KYC documentation.
AML Integration
Feeding KYC data into AML monitoring systems.