Bank — Customer Onboarding
Agentic AI · KYC & Due Diligence · Kyndryl Prototype
BANK
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From Workflow to Intelligent Platform
The Bank's onboarding shifts from a linear, manual process to an intelligent, agent-driven loop. AI agents operate across KYC, due diligence, screening, and risk to accelerate onboarding while maintaining regulatory confidence.
12
AI Agents
3
Onboarding Phases
9
Process Steps
100%
Auditable
Onboarding Journey
Preparation
Client Initiation
Client requests to open account via Relationship Manager. Initial profile creation begins.
Phase 1
KYC Initiation
Profile enrichment, initial validation, risk assessment, and rule-based KYC requirements identification.
Phase 2
Customer Due Diligence
Ownership structure, UBO discovery, document processing, adverse media, sanctions screening, and risk scoring.
Phase 3
Enhanced Due Diligence
Automated KYC memo drafting with traceable rationale and full audit trail generation.
Project Artefacts
Agents in Scope
Profile Enrichment Agent
KYC Rules Agent
Initial Risk Agent
Ownership & UBO Agent
Document Processing Agent
Screening Agent
Purpose & Relationship Agent
Risk Scoring Agent
KYC Memo Agent
K8s Agent
RAG Agent
Report Agent