Emakin's Client Onboarding solution transforms how financial institutions accept new clients. From initial application through KYC verification, screening, and approval to final account activation, every step is digitised, tracked, and compliant with regulatory requirements.
Guide clients through structured application forms that adapt based on their profile. Smart forms ask relevant questions—corporate clients see fields for beneficial ownership, individual clients follow simpler paths, and high-risk jurisdictions trigger enhanced due diligence requirements automatically.
Document collection happens through intelligent profiles, not simple file uploads. When clients submit a passport, the system requests passport number, expiry date, and issuing country.
Business licences capture validity periods and registration details. Proof of address documents record issue dates and document types.
This structured approach ensures complete information from the start, eliminating the endless back-and-forth for missing details that plagues traditional onboarding.
Conduct thorough due diligence through integrated screening and systematic verification workflows.
Connect with external AML, sanctions, and PEP screening providers to automatically check clients, beneficial owners, and related parties as soon as applications are submitted.
Build internal validation rules for custom watchlists or risk scoring logic.
Compliance teams review applications with all screening results, submitted documents, and risk indicators in one place.
Assign verification tasks to specific team members, track completion, and maintain complete records of who verified what and when.
Flag high-risk applications for enhanced due diligence automatically, whilst low-risk cases progress through streamlined checks.
Route applications through risk-based approval workflows that match your institution's governance structure.
Low-risk clients from approved jurisdictions may only require compliance officer approval, whilst high-risk profiles automatically escalate to senior management.
Approvers see complete context—client profile, screening results, risk assessment, submitted documents, and compliance officer recommendations—enabling informed decisions.
Track approval status in real-time, with automated reminders for pending reviews and clear visibility into where applications are waiting.
Every approval decision is logged with justification, creating comprehensive audit trails that demonstrate proper oversight and regulatory compliance.
Core functionality designed specifically for financial institutions' client acceptance processes, ensuring compliance whilst maintaining operational efficiency.
Dynamic forms adapt based on client type, jurisdiction, and risk profile, requesting only relevant information. Pre-fill data from existing systems where possible, reducing manual entry and improving accuracy. Configure forms to match your specific KYC requirements without coding.
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Collect documents through structured profiles that capture both files and essential metadata. Real-time validation checks expiry dates, required fields, and file formats before submission. Each document type follows tailored requirements ensuring completeness from the start.
Connect with external AML, PEP, and sanctions screening providers for automatic checks during application submission. Schedule re-screening of pending applications against updated watchlists. Receive immediate alerts when screening hits require compliance review or escalation.
Automatically route applications to appropriate approval levels based on configurable risk rules. High-value clients, complex ownership structures, or sanctioned jurisdictions trigger enhanced oversight, whilst standard cases follow streamlined paths. Modify routing rules as your risk appetite or regulations evolve.
From clients submitting applications to compliance teams conducting due diligence, each participant experiences a more efficient, transparent onboarding process.
Review applications with all required information in one centralised location. Access screening results, document profiles, and risk assessments without switching between systems. Assign verification tasks to team members and track completion in real-time. Generate compliance reports and audit trails instantly. Spend less time chasing documents and more time on genuine risk assessment.
Submit client applications with confidence knowing the system guides you through all requirements. Track application status in real-time and provide clients with accurate timelines. Identify bottlenecks quickly and escalate when needed. Deliver faster account activation without compromising compliance standards, improving client satisfaction and conversion rates.
Maintain oversight of onboarding volumes, approval backlogs, and time-to-activation metrics across teams or branches. Review high-risk applications with complete context before making approval decisions. Demonstrate regulatory compliance through comprehensive audit trails and structured reporting. Adjust risk rules and approval thresholds centrally to respond to changing regulatory environments.
Emakin's Client Onboarding solution provides complete functionality for accepting new clients and conducting initial KYC verification immediately. The platform's flexibility allows you to expand into broader client lifecycle management as your needs develop and your compliance programme matures.
Common expansions our clients implement:
Transaction monitoring and suspicious activity flagging
Periodic KYC reviews and risk reassessment workflows
Ongoing screening against updated sanctions and PEP lists
Source of wealth and source of funds documentation processes
Complex beneficial ownership mapping and UBO verification
Multi-jurisdiction workflows with region-specific requirements
Integration with core banking systems and CRM platforms
Client portals for self-service document updates
You're not limited to initial onboarding. Start with client acceptance and KYC workflows, then progressively expand into ongoing monitoring, periodic reviews, and continuous compliance management as your institution's needs grow.
Everything You Need in One Platform
Your teams are ready for better ways to work. Emakin gives you the tools to build, automate, and optimise workflows quickly — so you can focus on growth, not routine tasks.
Emakin is a low-code platform that helps businesses quickly design, automate, and manage their business processes effortlessly.
