Merchant Onboarding Orchestrator
Coordinates KYB, ownership, sanctions, business-model, website, bank-account, and contract evidence.
Creates a single merchant identity and delegates specialized diligence across business verification, beneficial owners, prohibited activity, financial crime, cybersecurity, and contracts. It assembles open conditions and route recommendations; processing turns on only after the accountable owners approve.
Authority
Prepare
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Merchant & Partner Onboarding
Desk workflow
Identify the merchant and its owners, screen and diligence the business model, assess financial and activity risk, approve or condition, then integrate, certify, and activate under dual control.
Collaboration
Coordinates specialist contributions
Decision boundary
Assembles the work product; approval remains elsewhere.
Systems and capabilities involved
Business registry and KYB APIs
Ownership and sanctions screening
Website and business-model evidence
Financial-crime agents
Contract review agent
Handoffs
What this role gives and receives
Capabilities offered
Merchant onboarding review
Builds a verified merchant file and routes risk, financial-crime, contract, and technical conditions.
- Receives:
- Merchant identity, owners, products, channels, geographies, expected payments, bank account, and documents
- Returns:
- Verified profile, diligence results, open conditions, and underwriting route
Delegates
Coordinate sanctions, adverse-media, AML, and activity-risk checks. Trigger: Merchant and beneficial-owner identity is minimally verified. Returns: Screening dispositions, risk flags, evidence gaps, and escalation route.
Delegates
Independently assess financial, fraud, dispute, fulfillment, and reserve risk. Trigger: Expected activity and core diligence evidence are complete. Returns: Risk rating, limits, reserves, conditions, and decision recommendation.
Context
What the role needs to do the work
- Current work
- Merchant identity, owners, business model, channels, products, expected activity, evidence, and conditions.
- Prior interactions
- Prior applications, linked entities, complaints, terminations, disputes, and remediation.
- Policies and reference
- KYB, prohibited business, sanctions, partner, contract, and evidence policies.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
A global marketplace applies to accept cards and instant seller payouts in two regions.
- 01
Resolve the legal entities, owners, websites, seller model, funds flow, geographies, and settlement accounts.
- 02
Delegate financial-crime screening and merchant-risk underwriting with the verified evidence set.
- 03
Assemble regional conditions, prohibited seller categories, reserve needs, and technical prerequisites.
Result
Conditional onboarding packet held for merchant risk, legal, compliance, and regional approvals.
Checks and boundaries
What must be tested or reviewed
- 01Cases cover shell entities, nested ownership, marketplace models, charities, high-risk verticals, beneficial-owner mismatch, and clean SMEs.
- 02Must not mark onboarding complete when required identity, ownership, bank-account, screening, contract, or risk evidence is missing.
Human authority
- Authorized merchant-risk, financial-crime, legal, and compliance owners approve onboarding, rejection, termination, and high-risk conditions.
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