Insights · AI for AML, KYC and compliance
Which companies build KYC onboarding AI agents for banks?
Claude Certified Services Partner(Anthropic)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.
01
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.
02
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.
Count and remove steps before adding an agent: at Investec, S-PRO cut KYC onboarding from 60 to 37 touchpoints (38% fewer), with no AI. Investec: 60 to 37 KYC touchpoints.
Swipe to compare →
| 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 |
03
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. Need to show an auditor how each agent decision was made? See How do you make KYC AI agents audit-ready in a bank?
Related agents: periodic review, adverse media screening, transaction monitoring triage.
Results, already in production
AI agents we run in production
AI support agent for a leading German neobroker
The agent drafts each reply from account history, order status and policies, and a support agent approves it.
Policy answers in 30 seconds for a Swiss bank
Employees of the Swiss subsidiary of an international bank search internal policies and procedures through a role-based AI assistant that shows the source of every answer.
AMINA Bank
A new digital banking experience for a Swiss-regulated bank: web and mobile channels, an API layer and a modernised link to the core banking system.
View caseInvestec: 60 to 37 KYC touchpoints
For Investec, S-PRO simplified KYC onboarding across the client journey, from 60 to 37 touchpoints (38% fewer steps). The levers were process redesign, smart PDF forms, batch automation and work instructions, with no AI involved. S-PRO maps the journey first (process redesign, not just automation).
AMINA Bank: AI agent library and governance
For AMINA, a Swiss-regulated bank, S-PRO implemented a library of AI agents with the rules around them: roles, access rights and the process for using agents, plus a separate stream for the bank's internal policies. A KYC agent is one entry in such a library, with a named owner and an approver. The five governance criteria we use are on the EU AI Act page; logging detail is in KYC AI audit trail. Delivery experience covers FINMA, BaFin, DORA, MiCA and US SEC/FinCEN frameworks.
Earlybird
An AI platform for one of Europe's most established venture capital firms: data aggregation and analysis, automated due diligence and risk prediction for investment decisions.
View caseFAQ
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 the Anti-Money Laundering Act (AMLA, GwG) and FINMA's Anti-Money Laundering Ordinance (AMLO-FINMA); in Germany the Geldwäschegesetz (GwG); in the EU the 2024 AML package (Regulation (EU) 2024/1624, Directive (EU) 2024/1640 and the Anti-Money Laundering Authority established by Regulation (EU) 2024/1620), whose main rules apply from 2027; and the EU AI Act (Regulation (EU) 2024/1689) 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.
Should we redesign the KYC process before adding an AI agent?
Usually yes. At Investec, process redesign alone reduced KYC touchpoints from 60 to 37 without AI. S-PRO maps the journey first, removes steps that need no agent, then adds an agent where a person still spends time on research and drafting.
What are you building?
Contact
You will talk to engineers who build for banks, not to a sales script. Share your ideas, findings and questions with us.
- 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
Send us your request
Share your ideas, findings and questions with us.