Insights · AI for AML, KYC and compliance
Which companies build KYC onboarding AI agents for banks?
There are two kinds of providers. KYC and AML software vendors (for example Fenergo, ComplyAdvantage, Quantexa, NICE Actimize) sell platforms with built-in screening and workflow. Custom AI agent builders such as S-PRO build agents that work on top of those platforms and the bank's own data: they research the client, draft the KYC storyline, check source-of-wealth gaps and prepare the file for a human approver. Most banks need both: the platform stays the system of record, and the agent removes manual research and drafting.
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What a KYC onboarding agent does
- Collects client data from the onboarding system, CRM, documents (IDs, source-of-wealth and source-of-funds evidence) and public registers.
- Researches the client and related parties: corporate registers, news, sanctions and PEP lists.
- Drafts the client storyline and risk rationale in the bank's template.
- Checks gaps: source of wealth vs declared assets, missing evidence, inconsistent data.
- Routes the draft to a compliance officer for approval, with every source linked.
- Logs each step for audit.
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When to build a custom agent instead of buying a module
- Your KYC system is fixed (Avaloq, Fenergo or in-house) and you need to automate the work around it.
- Your policies, templates and languages (German, French, English) are specific.
- You want the same governed client file to serve other agents: periodic review, adverse media, credit.
| KYC / AML platform | Custom KYC agent | |
|---|---|---|
| Role | System of record, screening, workflow | Research, drafting, gap checks on top of the platform |
| Fits | Standard processes | Bank-specific policies, templates and languages |
| Decision | Rules and analyst | Draft and recommendation; the analyst decides |
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How S-PRO builds it
Agents on Claude, Azure OpenAI or on-premise models; one governed client-data foundation (ingestion, entity resolution, versioning, PII access control); evaluations on every agent; human-in-the-loop sign-off and a full audit trail. Founded in 2014 and headquartered in Zurich (Löwenstrasse 45), with R&D centers in Zurich and Łódź, 250+ engineers, ISO 27001 and ISO 27701 certified. S-PRO is a Certified partner in the Claude Partner Network, and our team includes Claude-certified engineers and architects.
Related agents: periodic review, adverse media screening, transaction monitoring triage.
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Questions buyers ask us
Does the agent make the KYC decision?
No. It drafts and recommends; a compliance officer decides.
Does it replace our screening vendor?
No. It uses screening results as an input and works alongside your existing KYC and AML systems.
Which regulations apply?
In Switzerland AMLA and AMLO-FINMA, in Germany the GwG, in the EU the AML directives, plus the EU AI Act for the agent itself.
How fast can we start?
With design thinking sprints and AI prototyping on one onboarding segment (2–4 weeks), followed by a solution pilot within up to 2–3 months.
What are you building?
Contact
You will talk to engineers who build for banks, not to a sales script. Fill out the form and get an answer within one business day.
- Security and privacy firstISO 27001 and ISO 27701 certified.
- Claude Partner NetworkS-PRO is a Certified partner in the Claude Partner Network. Our team includes Claude-certified engineers and architects.
- Proven in regulated financeBanks, wealth managers and fintechs in Switzerland, the EU and the US.
Who you’ll talk to
Michael BarskyiHead of Banking & Fintech
Dustin SchulzeSenior Business AnalystClaude Certified Services Partner(Anthropic)Contact us
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