KYC automation for regulated financial institutions
Know your customer. Before they know the wait.
Client onboarding takes weeks. Regulators won't wait.
A new client submits their documents. Your team checks them manually, emails the compliance officer, waits for sign-off. Meanwhile, the client has opened an account elsewhere. And your audit trail is a chain of forwarded emails.
Slow, manual verification
Identity checks, document reviews, and background screenings are handled by hand. Each step depends on someone remembering to act — creating delays that frustrate clients and expose the bank to risk.
Compliance gaps at every handoff
AML, GDPR, local KYC regulations, each jurisdiction adds rules. Without automated enforcement, compliance lives in spreadsheets and individual judgment calls that auditors can't verify.
No single source of truth
Client data sits across three systems, two inboxes, and a shared folder. When a regulator asks for the full onboarding record, assembling it takes days.
From document submission to verified client. In Bonita.
Bonita orchestrates the full KYC lifecycle as a governed process application, from initial document collection through identity verification, sanctions screening, risk classification, and compliance sign-off. Each step enforces the right rules for the right jurisdiction, automatically. AI connectors extract and classify document data before it enters the workflow. Every action is logged with a regulatory-grade audit trail. Integration with existing core banking systems, CRM, and document management requires no infrastructure replacement.
Automated verification
Document extraction, identity checks, and sanctions screening run automatically, no manual data entry, no missed step.
Jurisdiction-aware compliance
Business rules adapt to each regulatory perimeter. The right checks run for the right client profile, every time.
Complete audit trail
Every action logged, every approver identified, every timestamp recorded. Regulatory inspection ready at all times.
Integrated without disruption
Connects to core banking, CRM, and document systems through Bonita's connector library. No rip-and-replace.
Meet the challenge with Bonita process automation
The capabilities that make KYC governed, fast, and audit-ready across every jurisdiction.
Intelligent Document Processing
Automatically extract, classify, and validate identity documents, proof of address, and financial statements before injection into the compliance workflow. No manual data entry, no missed field.
Business rules engine
Encode KYC rules per jurisdiction, client profile, and risk level. The engine enforces the right checks at the right step — no manual routing, no compliance gap between cases.
Full audit trail
Every verification step, screening result, and approval decision logged with timestamp and attribution. Regulatory inspection requires no manual preparation.
Multi-tier approval workflows
Automatically escalate high-risk or complex onboarding cases to the right compliance officer based on risk score and predefined governance thresholds.
AI connectors (OpenAI / Mistral)
Classify documents, summarize risk profiles, and flag anomalies using LLM intelligence within fully governed, auditable execution paths.
Bonita Work Hub
Let compliance and onboarding teams build and adapt KYC process applications without a full IT development cycle — on the same enterprise-grade BPA engine.
Main KPIs
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"Bonita enables the automation of critical operational workflows, reducing manual errors and streamlining regulatory compliance through transparent reporting and advanced traceability."
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