A regional bank was onboarding new customers with paper-era, manual Know Your Customer (KYC) processes that dragged on for 7–8 weeks. Blue Avanti architected an AI-powered, cloud-native platform that automated document processing, unified risk decisioning, and delivered a regulator-ready audit trail — at scale.
Every new customer relationship required manual review of identity documents, compliance screening, and risk assessment — slow to complete, inconsistent to defend, and impossible to scale. Three failures compounded each other.
Analysts spent 60–70% of their time keying data across 4–6 systems — reading and transcribing documents instead of exercising risk judgment. Backlogs built during volume spikes, delaying new business by weeks.
Sanctions, PEP, and adverse-media checks ran in disparate tools with no unified score. Rules lived in analyst memory and informal playbooks, so similar customers received different outcomes — a real legal and regulatory exposure.
Document versions and analyst decisions were scattered across drives and inboxes. The team could not prove to examiners that every customer had been screened against every relevant watchlist at onboarding — making exams painful and slow.
Not three tools bolted together — an integrated, cloud-native platform where the output of each capability fed directly into the next, with governance as a cross-cutting concern.
A pipeline that ingests, classifies, extracts, and validates identity documents across languages and jurisdictions — automatically and at scale. OCR, face and liveness checks, and document classification replaced manual transcription.
A configurable, auditable rules engine encoded AML guidelines, sanctions and PEP screening, and risk scoring as testable, versioned configuration. An ML fraud model combined verification, device, and behavioral signals into one explainable score.
An AI-assisted workflow triaged cases by risk tier, fast-tracked low-risk applicants, and routed exceptions to the right specialist with enforced escalation rules — clearing the majority of cases without human touch.
Faster onboarding and lower cost were only the headline. The deeper wins were defensibility, consistency, and freeing skilled people for higher-value work.
For the first time, compliance could demonstrate to regulators that every customer was screened against every relevant watchlist at onboarding, with a complete and immutable audit trail.
The rules engine eliminated analyst-to-analyst variation. Two customers with the same risk profile now received the same treatment, every time — removing a significant source of exposure.
Staff who had done manual transcription were redeployed to higher-value work — complex cases, regulatory change management, and process improvement.
“We replaced analyst memory and stacks of paper with a platform we can test, audit, and scale — onboarding that used to take nearly two months now clears in days, and we can prove every decision.”
Blue Avanti architects and delivers AI solutions that stand up to regulators and scale with your business. Start with a free discovery call.