Onboarding completed, risk profile frozen
The KYC done at account opening rarely changes. A customer’s actual risk shifts on PEP listings, news events, and behaviour — none of which feed back into the file.
Challenge 03 — Customer & identity risk
You can’t see who you’re really doing business with.
Onboarding leaks. PEP and sanctions exposure surfacing long after a customer is on the books. Risk scores stale within weeks of the KYC review. The customer view is a snapshot when it needs to be a feed.
Where the customer view goes stale.
Periodic reviews can’t scale
Annual or biennial review cycles miss everything that happens between. Adding investigators is the standard fix, and the standard fix scales linearly with the book.
A missed PEP is a headline
When a customer’s risk surfaces in the press before it surfaces in your system, it stops being a compliance issue and starts being a board issue.
A continuous customer view, not a periodic snapshot.
DetectX® treats KYC, PEP screening and risk scoring as a single live signal that updates as new information arrives — from public records, transaction patterns, or adverse media — rather than waiting for the next review cycle.
Solution
Know Your Customer
AI-driven onboarding that gets the file right the first time and keeps it current.
SolutionDigital Identity
Verify identity at onboarding without the friction that drives drop-off.
SolutionCustomer Risk Score
A continuous score per customer that responds to behaviour, news and external events.
SolutionRisk-Based Profiling
Tailor the controls applied to each customer to the risk they actually carry — not the risk their segment carries on average.
How customer & identity risk shows up in your sector.
Banking
PEP exposure between review cycles.
Retail and private banks carry the largest PEP-screening surface. DetectX® treats the customer-risk score as a live feed, with adverse-media and PEP changes propagating into the score the day they publish.
Insurance
Underwriting risk that the application form never sees.
Insurers underwrite from a customer-supplied snapshot. Continuous profiling pulls in external signals so the policy stays priced to the actual risk over time.
Capital Markets
Beneficial-owner ambiguity in fund structures.
Asset managers face KYC across multiple legal entities, often with opaque ownership chains. DetectX® combines link analysis with identity intelligence to surface the actual UBO behind the fund.
Not the right fit?
Stop relying on a snapshot.
A 30-minute call walks through how a continuous customer-risk score would look against your existing review cadence — and what would change for your analyst team.