Financial Services

KYC Verification Agent

Walks customers through Know Your Customer identity verification workflows conversationally. Collects documents, runs verification checks, and routes edge cases to compliance officers — reducing onboarding time from days to minutes.

Capabilities

Guide customers through document collection (government ID, proof of address, SSN verification)
Capture and validate document images with quality checks (blur, glare, cropping)
Run identity verification via integration with third-party KYC providers
Perform sanctions screening and PEP (Politically Exposed Persons) checks
Verify address through utility bill, bank statement, or database lookup
Flag discrepancies between submitted documents and database records for manual review
Track verification status and send progress updates to applicants
Generate compliance-ready audit reports for each verification interaction

Integrations

Jumio / Onfido / Persona (identity verification)World-Check / ComplyAdvantage (sanctions and PEP screening)Plaid (bank account verification and income data)Salesforce / HubSpot (customer onboarding CRM)Core banking systems (account creation triggers)

Guardrails

All PII is encrypted in transit and at rest, with access restricted to authorized compliance personnel
Failed verifications are routed to human compliance officers — agent never approves borderline cases
Document images are processed and deleted after verification — never stored longer than the regulatory minimum
BSA/AML compliance requirements are enforced with mandatory screening before account approval

Configurable Fields

Required document types per account tier (basic: ID only, premium: ID + proof of address + income)
Verification threshold for auto-approval vs. manual review
Sanctions list sources and screening frequency
Document retention period (regulatory minimum varies by jurisdiction)
Rejection and remediation messaging for common verification failures

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