BNZ KYC Onboarding — Workflow Diagram
From client initiation to KYC memo · Click any step for details
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bnz
Prep
Phase 1 · KYC Initiation
Phase 2 · Customer Due Diligence
Phase 3 · Enhanced DD
Prep
1
Client Account Request
Relationship Manager
→
2
Profile Initiation
Profile Enrichment Agent
→
3
Profile Enrichment
Profile Enrichment Agent
→
4
Initial Validation & Risk Assessment
Initial Risk Agent
→
5
KYC Requirements
KYC Rules Agent
Phase 2
6
Ownership Structure — Entities
Ownership & UBO Agent
→
7
Ownership Structure — UBOs
Ownership & UBO Agent
→
8
Key Controllers
Ownership & UBO Agent
→
9
Other Related Parties
Ownership & UBO Agent
→
10
Document Request & Processing
Document Processing Agent
Phase 2
11
Adverse Media Screening
Screening Agent
→
12
Internal Blacklist Screening
Screening Agent
→
13
Sanction / PEP Screening
Screening Agent
→
14
Purpose of Relationship
Purpose & Relationship Agent
→
15
Risk Scoring
Risk Scoring Agent
Phase 3
16
Document Verification
Document Processing Agent
→
17
KYC Memo Drafting
KYC Memo Agent
→
18
Report Generation
Report Agent
Phase
Step Title
✕
Agent
—
Input
—
Output
—
Description
—
Compliance Checkpoint
—
Data Sources
—
Outputs
Contact Information
Initial Risk Report
UBO / Affiliates Diagram
Screening Reports
Purpose of Relationship
Risk Score
KYC Memo
Notes:
1. Agentic screening using RAG is included; integration with third-party screening software is possible.
2. This is an illustrative process and the actual flow will be reviewed and finalised in the discovery phase.