Solutions · Money Laundering Reporting Officer and Head of Onboarding
The onboarding decision, documented
For the Money Laundering Reporting Officer and the Head of Onboarding. Every onboarding decision must be explainable on demand: what was checked, what came back, what it meant against policy, and who decided. Cogniveil runs that process and produces that record.
Accountability boundary
Automation does not move the decision.
The process runs through AI coworkers configured to your policy. The coworker does the work. The human keeps the decision.
Live mechanism · illustrative data
One file around the providers you already trust
See identity, registry, sanctions, PEP, source-of-funds, policy, and human review converge on one case.
Provider boundary
The provider returns the check. The coworker cross-references the result with the file, policy, and regulation, then documents and escalates it.
Identity attributes verified
The customer’s provider returned a verified result. The coworker matched it to the onboarding file and retained the provider reference.
Decision owner
Onboarding operations
The work itself
Named jobs, not a list of AI features
Open each job to see the work today, what changes, what does not change, who signs, and the governing provision where it is confirmed.
The job today
An analyst collects documents, runs provider checks, reads results, applies policy, writes the file note, and routes exceptions.
What changes
The coworker assembles the file and drafts the assessment with every input cited. Clean cases queue for approval and exceptions escalate.
What does not
Your providers, policy thresholds, and approval chain do not change.
Who signs
The analyst and, on escalations, the MLRO
The regulation
Directive (EU) 2015/849 Article 13 covers customer due diligence measures.
The coworker does the work
Reads approved sources, follows the defined steps, records tests, cites findings, and escalates exceptions.
The human keeps the decision
The process runs through AI coworkers configured to your policy. The coworker does the work. The human keeps the decision.
What we have done here
An end-to-end due-diligence lifecycle was configured as governed stages. External screening results were interpreted against policy with documented dispositions, and ownership structures were extracted down to natural persons. Organizations are not named.
Start with one workflow
Bring one onboarding path, one customer type, one jurisdiction, and your providers as they are. Compare the produced file with the file you write today.
Written from where the work sits
See kyc, kyb and onboarding inside an industry
The same solution page is linked from every relevant industry. The industry page reframes the work for its own rules and operating duty.
Next step
Start with one workflow
Bring the work, the approved sources, and the people who must stand behind the answer.
Or contact sales@cogniveil.ai