What it is
Onboarding a regulated investor is where a name becomes an approved, monitored relationship — identity proven, screened against every list a regulator expects you to check, risk-scored, documented, and defensible the day an inspector asks. finnerve's AML/KYC runs that as a workflow rather than a sixty-page report assembled at the end: eID capture, sanctions and PEP and adverse-media screening, risk scoring, document collection and the regulatory output are steps in one path, and the screening gate is a hard stop — an investor cannot be onboarded past an unresolved hit.
Most onboarding tools treat compliance as a form to fill and a file to archive. The AML/KYC layer treats it as the mechanism that produces a verified investor and keeps them verified: the audit trail writes itself as the work happens, and every verified investor and every screening result is handed to the rest of your operation — positions, the CRM record, the investor app, transaction monitoring — so nothing is captured twice. It orchestrates the eID and screening providers you already run — no rip-and-replace. It can be embedded directly in your own flow or run end-to-end by finnerve's operation.
Who it's for
The AML/KYC layer runs in production for any firm that has to prove who its investors are and keep proving it — from a greenfield manager onboarding its first investor to a multi-jurisdiction house standardising KYC across markets.
- Asset managers & fund administrators — onboard investors into funds at scale, with per-vehicle eligibility and a record that stands up in audit.
- Funds — mutual, public and private — identity, source-of-funds and eligibility checks enforced before an investor is admitted, not reconstructed afterward.
- Wealth managers — enhanced due diligence and source-of-wealth documentation for higher-touch clients, without a heavier onboarding experience.
- Family & multi-family offices — bank-grade screening and controlled onboarding without standing up a compliance function to run it.
- Investment advisors (RIAs & independent advisors) — a defensible KYC record and continuous screening without building an in-house AML team.
What it covers
The AML/KYC layer owns the path between sign-up and an approved, monitored investor: identity, screening, risk, regulatory output and ongoing monitoring.
- Identity verification (eID) — document, biometric and liveness checks against government IDs across LatAm and EU passports; the investor proves who they are before anything else runs.
- AML screening (hard gate) — continuous checks against global sanctions, PEP and adverse-media lists, with automatic re-screening whenever jurisdiction or status changes.
- Risk scoring & enhanced due diligence — a risk-based score per investor, with source-of-funds and source-of-wealth capture and an EDD path for higher-risk relationships.
- Regulatory output & self-writing audit trail — the regulatory pack assembled from the record you already captured, with an immutable, inspection-ready trail behind every decision.
- Ongoing monitoring — embedded or operated — verified investors and transaction-monitoring signals feed the rest of the stack; run it via API inside your own flow, or hand the operation to finnerve.
How it fits your stack
AML/KYC sits one layer above your acquisition flow and one layer below the systems that hold the relationship. Your sign-up experience — web, mobile or a relationship-manager-assisted flow — feeds it a prospective investor; AML/KYC verifies identity, screens against the lists, scores the risk and produces the regulatory pack; and it hands a verified, monitored investor down to your PMS for positions, your CRM for the relationship record, the investor app, and transaction monitoring. It is passthrough on the acquisition side and a hard gate on the screening side, and it interoperates with the eID and screening providers you already run.
The shortest defensible path to go-live
Implementations are led by people who have carried the compliance work themselves. Regulatory templates pre-mapped to each market you run. Native connectors to the eID and screening providers you already trust. A sample flow live in your jurisdiction before a single real investor enters it.
From there, AI agents carry the routine load: triaging document quality, clustering screening hits, clearing the obvious false positives, and escalating only the genuine matches and edge cases to a compliance reviewer — yours or ours. The target of every engagement is the same — the shortest defensible path to a live, screening-gated onboarding flow you can stand behind, whether embedded in your product or operated by finnerve. Bring one real onboarding case and your regulatory calendar. Thirty minutes tells you the timeline.
Results
What good looks like: a manual multi-page form and multi-day review cycle collapsed into a sub-five-minute digital flow, with the regulatory submission assembled from the record you already captured and a first inspection that reads clean.
We'll bring the named reference closest to your operation — and its real numbers — to the working session.
Frequently asked questions
We already run an eID and screening vendor. Does the AML/KYC layer replace them?
No — and that's deliberate. AML/KYC is an orchestration and workflow layer, not a data monopoly: it drives the eID and sanctions/PEP/adverse-media providers you already trust and interoperates with your stack rather than forcing a rip-and-replace. What changes is that identity, screening, risk scoring and regulatory output stop being four disconnected tools and become one gated path with a single audit trail. If a provider ever underperforms in a market, you swap it underneath the AML/KYC layer without rebuilding the flow. Bring your current providers to a working session and we'll wire them into a live sample flow in front of you.
Screening throws false positives — won't this bury my team in review?
The gate is real, but it isn't a flood. Screening is risk-based and continuous, and AI agents cluster the hits, clear the obvious false positives, and escalate only genuine matches and edge cases to a human reviewer — the machine carries the routine load and people clear the exceptions. Every clearance and every escalation is recorded with who decided and why, so a low review volume never means a thin audit trail. We'll run a batch of deliberately noisy cases through the screening queue in a demo so you can see exactly what reaches a person.
Can we embed the AML/KYC layer in our own product, or must investors use your interface?
Either. The AML/KYC layer exposes the full flow over API so you can embed verification and screening inside your existing sign-up, or you can use the white-label web and mobile experience under your own brand — same compliance underneath, your surface on top. The regulatory output, audit trail and ongoing monitoring are identical whichever way it's presented. Tell us where onboarding lives in your product today and we'll show both paths side by side in a session.
When a regulator inspects an onboarding decision, can we actually prove it?
Yes, to the field. Every investor carries an immutable record — the identity evidence, every screening result and re-screen, the risk score and its inputs, the documents captured, and every manual clearance with who authorised it and when. Nothing is reconstructed after the fact, because the pack was assembled as the work happened.
We operate across several markets with different rules — is this one system or several?
One system, tuned per market. The AML/KYC layer applies local regulation across the markets you run — currently in production across 7 — from a single flow and a single audit trail, so an investor onboarded in one jurisdiction and one in another are held to the right local requirements without a second vendor or a second integration. Adding a market is a configuration and a template, not a new build.
Do we have to run onboarding ourselves, or can finnerve operate it for us?
Both are on the table, and many firms move from one to the other. The AML/KYC layer can be embedded in your product and run by your team, or run end-to-end by finnerve's operation — identity, screening, EDD and regulatory filing handled by operators who have done the work, with the machine carrying the routine load and exceptions escalated for judgment. You keep the investor relationship; we keep the operation defensible. Book a working session and we'll walk through both models against your actual onboarding volume.