Onboarding Diligence Agent
Runs customer due diligence during onboarding.
Collects and reads the documents, verifies identity, unwraps the ownership structure until it reaches the beneficial owners, screens every party, and assembles a risk-rated CDD file in a single continuous run, flagging the structures that are deliberately opaque.
Authority
Recommend for approval
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
KYC / CDD / EDD
Desk workflow
CIP identity verification, then document collection, beneficial-ownership unwrap, and risk rating, with periodic refresh after.
Collaboration
Coordinates specialist contributions
Decision boundary
An accountable reviewer commits the decision or action.
Systems and capabilities involved
Document intake + OCR
Corporate registry lookups
ownership chains
Identity verification provider
Legacy onboarding portal
Screening (sanctions/PEP/adverse media)
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Receives from
External handoff
Commercial / CCB onboarding desks (customer source)
External handoff
Sanctions Screening (agent-to-agent screening calls)
Context
What the role needs to do the work
- Current work
- The case file being assembled; outstanding document checklist.
- Prior interactions
- Related entities already onboarded (shared directors, addresses).
- Policies and reference
- CIP rules, beneficial-ownership thresholds, jurisdiction risk.
- Working method
- Document-extraction playbooks per document type and geography.
Illustrative workflow
How the work moves
Starting point
New corporate customer: a holding company with three layers of ownership.
- 01
Pull registry filings; unwrap ownership to ultimate beneficial owners.
- 02
Verify each UBO's identity; screen all parties via the screening agent.
- 03
Map jurisdictions; compute the customer risk rating.
- 04
Assemble the CDD file with evidence and a rating rationale.
Result
A complete, risk-rated CDD file; flags one UBO in a high-risk jurisdiction for enhanced due diligence and a second-agent rating review.
Checks and boundaries
What must be tested or reviewed
- 01Consistency check: a second, independent agent re-derives the risk rating from the file. High-risk ratings and account opening route to an accountable AML / compliance officer for approval.
- 02Completeness check against the CIP rule set before file is marked done.
- 03Sampled agent-as-judge review of beneficial-ownership unwraps.
Human authority
An accountable reviewer commits the decision or action.
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