Client onboarding: AML and engagement checks
Reads identity documents, registry extracts, the engagement letter. Produces onboarded client file, risk rating. Code works out every figure, the Judgement Engine answers the narrow questions, and whatever stays uncertain goes to a person.
Narrow questions, each with a check behind it.
Identity, beneficial owners, risk rating
Cross-checked: registries, documents. A second source has to agree: a register, a contract, a list. When it does the judgement settles; when it doesn't, a person decides.
| Reads | Identity documents, registry extracts, the engagement letter |
| Produces | Onboarded client file, risk rating |
| Who signs | A person on your team, with every figure traced to its document and every call on record |
| Process | Documents, onboarding and KYC |
| Industry | Accounting, tax and Treuhand firms |
Every line, decided where it's safest.
An example run. Each stage lights up as a line is decided there; pick a stage to see its lines.
| Ref | Item | Value | Decided by |
|---|---|---|---|
| CL-41 | Identity documents, 2 directorsValid, names match the registry | Code · verified | |
| CL-42 | Beneficial ownerRegistry shows one owner over 25% · 0.95 | Engine · cross-checked | |
| CL-43 | Source of fundsExplained by the sale of a business · 0.88 | Engine · cross-checked | |
| CL-44 | Director listed on a sanctions list?Name similar, date of birth unknown | To a person | |
| CL-45 | Engagement letterSigned by both parties | Code · signed | |
|
Settled 4
To a person 1
Settled wrong 0
| |||
Your volumes in. Your hours out.
In our tests, between 24% and 42% of items still went to a person after tuning. Set your own share; a pilot measures it on your data.
Start from what's closest.
Documents, onboarding and KYC in other work
Client document collection for year-end
What's missing, wrong period, unreadable
BankingCorporate KYC onboarding
Beneficial owners, documents complete, risk
BankingPeriodic KYC review
What changed; whether risk changes
More for accounting firms
What buyers ask
What happens when Sumarity isn't sure?
Nothing settles below the cutoff, or when the check disagrees. The item goes to a person in the inbox with what the engine saw, its best answer and the runner-up. The person's ruling is kept and tunes the next run.
How are its judgements checked?
A second source has to agree: a register, a contract, a list. When it does the judgement settles; when it doesn't, a person decides.
Can we change it to fit how we work?
Yes. Start from this workflow and describe your differences in plain words. The design assistant revises it, the validator checks it, your expert reviews it on the canvas, and your admin publishes it.
Does it read our files as they are?
Yes: spreadsheets and CSV in any layout, PDFs, bank formats and e-mail attachments. Sumarity suggests how each column maps, proves the mapping on a sample and remembers it once a person confirms it.
Where does our data go?
Sumarity runs in Zurich. Your data, backups and logs are stored in Switzerland.
How does it get better?
Your team's rulings become an answer key. Better questions and cutoffs are proposed, tested on data they haven't seen, and published only when your admin approves. It improves itself, with permission.
Start from this workflow. Run it on your data.
A pilot runs alongside your own process for a few weeks, at our cost, and ends in a line-by-line comparison.