AI KYC verification that orchestrates your existing ID, liveness and screening vendors, resolves name-match noise with evidence, and builds KYB ownership files. Analysts get a decision-ready case; your MLRO keeps the risk appetite and final call.
AI KYC verification is the use of machine learning and language models to check customer identity documents and liveness, screen names against sanctions, PEP and adverse media lists, and assemble business ownership for KYB. It outputs a risk score, a reasoned disposition for each screening hit with supporting evidence, and a case file routed to an analyst when the risk policy requires human review.
Compliance teams are asked to clear more applicants, faster, while enforcement grows. Most analyst hours go on screening hits that turn out to be namesakes.
of firms lost clients to inefficient onboarding, in Fenergo's 2025 survey of 600 senior leaders in the UK, US and Singapore.[1]
UK corporate banks reported the slowest onboarding, at more than six weeks, in the same survey.[1]
Cost of a single KYC review for a medium-risk corporate client, per Fenergo's 2024 survey of 450+ C-level bank executives.[2]
Low-risk applicants cleared with evidence attached, so analysts spend their time on genuine matches and complex ownership.
We orchestrate document, NFC chip and liveness checks from your providers and add signals they miss in isolation.
Every name hit is compared on date of birth, nationality, identifiers and context. The system writes why it cleared or escalated.
For business customers, we pull registry data, parse constitutional documents and map ultimate beneficial owners.
We review your customer risk assessment, screening thresholds and current alert outcomes with compliance, then agree one metric: manual review rate, time to decision or false-positive rate.
Using a sample of historical applications and dispositions in your cloud, we measure how the system would have ruled and where it disagrees with analysts.
The AI runs alongside analysts without affecting decisions. Every disagreement is reviewed with the MLRO or delegate.
Auto-clear enabled for the lowest-risk segment only, with QA sampling. We report the metric, the audit trail design and the Run plan.
| Criterion | Manual analyst review | Single-vendor KYC platform | Stratgik build + run |
|---|---|---|---|
| Document and liveness | Visual checks, inconsistent | Strong within that vendor's coverage | Uses your vendors, adds cross-application fraud signals |
| Screening false positives | Every hit reviewed by hand | Fuzzy-match tuning, limited context | Hit-by-hit reasoning with evidence and MLRO-set thresholds |
| KYB and UBO mapping | Days of registry searching | Varies widely by country | Registry, document parsing and ownership chart per jurisdiction |
| Audit trail | Notes in case system | Vendor logs | Decision, evidence, model version and approver stored in your systems |
| Vendor lock-in | None | High | Low; providers can be swapped behind the orchestration layer |
| Best fit | Very low volume | Single-market retail onboarding | Multi-market, mixed retail and business customers |
Regulators in the US, UK and UAE expect firms to show how decisions are made. Customers expect an answer the same day. AI helps only when it produces an evidence trail an examiner can follow.
Estimate analyst time recovered from applications that no longer need manual review. The reduction in manual reviews is an assumption; the pilot measures it on your own applicant flow under your policy.
Illustrative estimate using your inputs and stated assumptions, not a quote or guarantee. The pilot measures the real figure against your baseline.
One product line (retail or business), one market, your existing vendors
Production operation, monitoring and model governance
Additional markets, KYB and ongoing monitoring
Third-party KYC, screening and data provider fees, model usage and cloud hosting billed at cost. Stratgik designs and runs the system; your firm remains responsible for its AML programme and regulatory obligations. Taxes excluded. GBP and AED prices are indicative conversions from USD.
AI KYC verification reduces false positives by comparing each hit on more than the name: date of birth, nationality, identifiers, address history and the context of adverse media. It then writes a short rationale for clearing or escalating. Thresholds for auto-clearing are set by your MLRO, applied to the lowest-risk matches first, and sampled by QA so any drift is caught.
Regulators generally judge outcomes and controls, not whether a tool uses AI. We design for that: documented risk policy, human decisions on escalations, explainable rationale per case, model change control and a full audit trail in your systems. We do not guarantee regulatory approval or compliance; your compliance function validates the design and remains accountable for the AML programme.
No. Most clients keep their document, liveness and screening providers, such as Onfido, Sumsub, Jumio, ComplyAdvantage or World-Check. We build an orchestration layer that calls them, combines their results with your own data, and applies your risk rules. That also lets you add a second provider for a new market, or switch, without rebuilding onboarding.
A Stratgik pilot is a fixed $22,000 for one product line in one market over 21 days. Run is $5,500 a month, and Scale for more markets, KYB and ongoing monitoring starts from $14,000 a month. Your existing KYC vendor fees, model usage and cloud costs are passed through at cost. The calculator above estimates analyst time recovered.
Yes, with some manual steps. Registry access differs between UAE mainland authorities and free zones, so the system combines available registry data with parsing of trade licences, memoranda of association and shareholder registers. It builds an ownership chart and flags missing UBO evidence for the analyst. Coverage is confirmed per free zone during the pilot.
A controlled production launch takes about 21 days for one product line and market when your vendors already have APIs. That covers policy mapping, replay on historical cases, shadow mode and a limited go-live for the lowest-risk segment. Adding KYB, more jurisdictions or ongoing monitoring usually takes a further four to eight weeks each.
In a 45-minute session we review an anonymised sample of your alerts and show how many could be resolved with evidence, and which would still go to an analyst.