Customer
Onboarding, CIP
and KYC
Identity verification, document collection and validation, business and beneficial ownership verification, risk rating and periodic refresh, operated inside your onboarding flow.
THE CHALLENGE
You Are Held to Bank Standards
by People Who Were Not Part of
the Product Decision
A FinTech is assessed against the same compliance expectations as a chartered institution, and increasingly by three parties at once: the sponsor bank, its regulators and its auditors. Onboarding volume, alert volume, dispute volume and reconciliation breaks all scale directly with customer growth, and none of them scale down again.
The result is familiar. Compliance work is absorbed by whoever is available, ledger and account reconciliation drifts, sponsor bank diligence surfaces gaps the team already knew about, and engineering time goes to operational tooling rather than to the product.
Anaptyss operates these functions as a managed service, using the compliance operating model applied across US banks and the accelerators built for it.
OUR SOLUTION
Compliance Operations
That Satisfy a Bank Without
Slowing the Roadmap
We document how onboarding, monitoring, disputes and reconciliation run in your environment today, including the manual steps that sit outside the documented process. AI handles document intake, alert prioritization, evidence assembly and reconciliation. Our specialists operate the queues, and your compliance and product owners keep every filing, credit and customer decision, with a complete audit record behind each one.
Explore Our AI SolutionsWhat We Do
Customer
AML and Sanctions
Operations
Transaction monitoring and alert review, watchlist and PEP screening, enhanced due diligence, suspicious activity report preparation and filing support.
Fraud and Dispute
Operations
Fraud alert review and case handling, chargeback and dispute intake, evidence assembly and network submission against card network rules and Regulation E timelines.
Payment
Operations
Payment processing and funding support, returns and exception handling, settlement monitoring and failed transaction investigation across card, ACH and real-time rails.
Ledger and Account
Reconciliation
Reconciliation across processor, sponsor bank, for-benefit-of and internal ledger records, with break investigation, resolution and an audit-ready trail.
Finance and
Accounting
Reconciliation, accounts payable and receivable, month-end close support, revenue reporting and CFO office support.
Sponsor Bank and
Third-Party Risk
Support
Documentation, evidence packages and remediation support for sponsor bank oversight, partner diligence questionnaires and audit requests.
Regulatory and
Portfolio Compliance
Reporting
Regulatory reporting support, portfolio compliance monitoring, and FATCA and CRS reporting obligations.
Customer Service
/ Contact Center
Tier one and tier two servicing across chat, email and voice, including account access, transaction status, complaint intake and after-hours coverage.
WHERE FINTECHS START
The Five Most Common
Entry Points
A Sponsor Bank
Finding
Oversight or diligence has identified a gap with a remediation date attached. We staff the remediation and document it to the standard the bank expects.
An Alert or Case
Backlog
Monitoring or fraud alert volume has outgrown the team and case age is climbing. We clear the backlog and hold current volume.
Reconciliation
Breaks
Ledger, processor and bank records have stopped agreeing. We investigate the breaks, resolve them and put a repeatable daily process behind it.
A Launch or
Growth Ramp
A new product, market or partnership creates onboarding and servicing volume the current team cannot absorb.
Diligence Ahead of
a Raise or an Exit
Investors or acquirers are examining operational and compliance maturity. We build the documented, evidenced position they expect to see.
OUR APPROACH
Delivered Through Digital
Knowledge Operations™
Operating Model Built on Your
Product Rules
We establish your product rules, risk appetite, alert thresholds and escalation paths before any team structure is set, then build the workflow around them.
Automation Applied Where
Volume Concentrates
Document extraction, alert prioritization, evidence assembly and reconciliation are handled by accelerators built for regulated financial workflows, not by general-purpose automation adapted to them.
Configured to Your Stack
Your onboarding and KYC vendors, monitoring tools, case management system, processor and ledger define how the work runs. Specialists are trained and certified on that configuration before they touch a live case or customer record.
Decision Authority Retained by
Your Team
Filing decisions, account restrictions, credit and pricing exceptions and customer remediation remain yours. We operate everything around the decision, including investigation, documentation and the audit trail.
Continuity Across the Full Workflow
The team that takes the case also completes the downstream work, including evidence, correspondence and closure. Turnaround times hold as customer volume grows.
AI ACCELERATORS
Accelerators Built for
Underwriting and Claims Volume
Each accelerator is built for the document volume and regulatory scrutiny of insurance operations and integrates directly with the systems you already run.
Design and operating effectiveness testing of underwriting, claims and filing controls, with reviewer sign-off and a complete audit trail for regulatory examinations.
Role-based training for underwriting support, policy services and claims staff on your rules, forms and handling standards before they work on live files.
Reads submissions, applications, medical records, loss runs and claim correspondence, and converts them into structured, workflow-ready data at intake.
Sanctions and watchlist screening across policyholders, applicants, claimants and beneficiaries, with alert investigation and disposition.
WHAT IMPROVES
Where the Operating Gains Show
Onboarding That
Converts Instead of
Queuing
Verification and document review complete at the point of application rather than in a manual queue, so approval time stops being a drop-off point in the funnel.
Alert Capacity
Directed at Genuine
Risk
Alerts are ranked and prepared before review, so investigation effort concentrates on the cases that warrant it and case age stops climbing with volume.
Reconciliation
That Closes Daily
Breaks across processor, sponsor bank and internal ledger records are investigated as they arise rather than carried, which protects both the close and the partnership.
An Evidenced Position
for Every Reviewer
Controls, decisions and audit trails are documented consistently, so sponsor bank oversight, audit requests and investor diligence are answered from a standing record rather than a scramble.
Outcomes
4,527
Behavioral alerts generated with full traceability for a third-party payment processor through AI-led AML monitoring.
50%
Reduction in first response time for a US-based payments FinTech through an AI-enabled customer servicing platform.
50%
Reduction in reconciliation breaks, with audit-ready token accounting, for a US-based Web3 infrastructure platform.
[TBC]
Reduction in onboarding and KYC turnaround time.
Related Insights
Long formWhitepapers
Layered research on governance, model risk, and controls.
WeeklyBlog
Short signals from teams building AI inside regulated walls.
Practitioner guideseBooks
Step-by-step playbooks you can hand to an operating team.
Live & on demandWebinars
Sessions with practitioners, broadcast and archived.
Would Your Sponsor Bank’s Next Review
Find Anything You Have Not Already Fixed?
Most FinTechs know exactly where the gaps are and have not had the capacity to close them. A short review of your onboarding, monitoring and reconciliation workflows will show what is exposed and what it takes to operate them to bank standard.