Compliance and KYC or AML system blueprint
This system maintains a risk-based queue for customer due diligence, document expiry, sanctions or PEP screening and transaction-monitoring alerts. It assembles the relevant customer, ownership, account and case evidence for an authorised compliance analyst to investigate and decide.
- Business function
- Finance & Risk
- Operating context
- Finance & banking
- Primary owner
- Money Laundering Reporting Officer
Operating brief
What starts the system
Customer onboarding, a risk-data change, a monitoring alert or a scheduled review date.
Only authorised compliance roles may close alerts or alter customer risk classification.
Operating sequence
How the system works
1. Determine the required due-diligence and monitoring checks from customer and product risk.
2. Collect evidence, run approved screening and prioritise discrepancies or alerts.
3. Route the complete case for analyst decision, escalation, refresh or closure.
Inputs
- Customer, beneficial-owner and identity records
- Sanctions, PEP, adverse-media and registry data
- Transactions, risk scores and prior investigation history
Outputs
- Current risk-based KYC and AML review queue
- Auditable customer and investigation case file
Controls
- Only authorised compliance roles may close alerts or alter customer risk classification.
- Screening sources, rule versions, decisions and supporting evidence are retained.
Source landscape
Examples of systems it may connect to
- Trapets
- Signicat
- Lucinity
- Fenergo
- NICE Actimize
Reusable core
What can carry across companies
The reusable core is risk-based review scheduling, evidence assembly, alert triage and auditable case workflow.
Your installation
What must be adapted
Each institution configures its jurisdictions, products, risk model, screening sources and escalation policy.
Start with the closest pattern–or start from your process.
The catalogue represents reusable operating shapes, not fixed off-the-shelf applications.