Risk
2, 8, 10
Years between scheduled reviews
In India, the RBI's KYC Master Direction sets periodic updation at least every 2 years for high-risk, 8 for medium-risk and 10 for low-risk customers. A lot can change in between.
Customer Lifecycle ManagementEvent-driven reviews · Analyst decides
Review customers when their risk changes instead of waiting for the annual cycle
The agent watches for events that change a customer's risk: a new screening hit, unusual activity, an expired document or a change in ownership. When one happens, it opens a review with the evidence attached. Low-risk customers stop eating up review time they don't need.
Lifecycle watch
Monitoring your customer base
CUSTOMERS WATCHED
1284310
REVIEWS OPENED TODAY
2140
Vikram Iyer
Passport expired
SCORE 18··
LoggedScanning
Coastal Fisheries Ltd
New owner on registry
SCORE 66··
Review openedScanning
Leila Haddad
New adverse media hit
SCORE 79··
EscalatedScanning
Joseph Mwangi
Activity above profile
SCORE 52··
Review openedScanning
Ritu Desai
Address change
SCORE 7··
LoggedScanning
Northline Freight
Periodic review due
SCORE 40··
Review openedScanning
AI REASONING · Vikram IyerLogged · Score 18
Checking screening, activity, documents and ownership…
Document expiredNo other changeLow risk
Only the ID document has changed. A refresh request was sent; no full review needed under your policy.
Event-driven
Reviews open when risk changes
Every
Review starts with its trigger
Your
Periodic cycle still met
Why calendar reviews miss the risk
Risk changes on its own schedule, not yours
Periodic reviews spend most of their effort on customers whose risk hasn't moved, while real changes wait for the next scheduled date.
Risk
R.10
Due diligence is ongoing
FATF Recommendation 10 expects ongoing scrutiny of transactions and up-to-date customer information throughout the relationship.
Risk
Backlog
Review queues build up
When every review starts from a blank file, the queue grows faster than the team can clear it, and overdue reviews become an examination finding.
What FluxForce delivers
Reviews that start when something changes
The agent watches every customer for the events your policy defines and opens the right kind of review, with the evidence already gathered.
CAPABILITY 01 / 06
Trigger monitoring
New sanctions, PEP or adverse media hits.
Activity outside the expected profile.
Expired or expiring documents.
Changes in ownership, address or occupation.
CAPABILITY 02 / 06
Right-sized reviews
A document expiry gets a refresh request, not a full review.
A material change opens a full review.
You define which events trigger which review.
Every event is logged, even when no review opens.
CAPABILITY 03 / 06
Pre-filled review files
Opens each review with the trigger and its evidence.
Pre-fills what hasn't changed from existing records.
Lists exactly what the analyst needs to confirm.
Proposes a rating change where factors moved.
CAPABILITY 04 / 06
Periodic cycle covered
Keeps your scheduled review dates.
Prepares scheduled reviews in advance.
Flags reviews close to their due date.
Reports overdue reviews to supervisors.
CAPABILITY 05 / 06
Customer outreach
Drafts document refresh requests.
Tracks responses and chases outstanding items.
Escalates non-responsive high-risk customers.
Your team approves outreach templates.
CAPABILITY 06 / 06
Complete history
Every trigger, review and decision on one timeline.
Rating changes linked to the event that caused them.
Stores evidence in tamper-evident form.
Any review can be replayed for an examiner.
What changes for your team
Review time goes where risk actually changed
We'll run the agent across your book in shadow mode and show you which events it would have caught and which reviews it would have right-sized.
Event-driven
Reviews
Opened when a customer's risk changes.
Pre-filled
Review files
Analysts confirm what changed instead of starting from scratch.
Every
Event logged
Even events that don't need a review are on record.
Your
Cycle met
Scheduled review dates are still tracked and prepared.
Replay
Customer timeline
Every trigger, review and rating change in order.
The agents on this work
Three AI agents watching for change
Each watches a different source of change and feeds one review.
Senior AI KYC/AML Compliance Director
Rhea Ledger
Opens reviews when risk factors change and proposes rating updates.
Event-driven KYC
Rescreening
Rating change proposals
Senior AI Identity Verification Specialist
Iris Verma
Tracks document expiry and verifies refreshed documents.
Expiry tracking
Document re-verification
Identity changes
Senior AI OSINT Intelligence Director
Oscar Gray
Watches public sources for news about your customers.
Adverse media
Ownership changes in public records
Namesake filtering
Where it fits
Lifecycle reviews for books of every size
The triggers and review depth follow your policy and your regulator. The agent applies them consistently.
RETAIL, SME, CORPORATE
Banking
Focus
Periodic KYC updation
Scope
Large books
Shadow mode to go-live90 DAYS
Results
Reviews open when risk changes
Low-risk customers get light-touch refreshes
Overdue reviews flagged before they're late
FAST-GROWING USER BASES
Fintechs
Focus
Behaviour change
Scope
Limit upgrades
Shadow mode to go-live90 DAYS
Results
Users reviewed when activity outgrows the profile
Document refresh handled in-app
Evidence your sponsor bank can review
POLICYHOLDERS
Insurers
Focus
Policy changes
Scope
Beneficiary changes
Shadow mode to go-live90 DAYS
Results
Reviews open on beneficiary or ownership changes
Early surrenders flagged
Records ready for your regulator
Questions? We Have Answers
Frequently Asked Questions
No. Your scheduled review cycle is still tracked and prepared. Event-driven reviews add coverage between scheduled dates.
The ones your policy defines. Common triggers are new screening hits, unusual activity, expired documents and ownership changes.
No. You decide the review depth per event. A document expiry can trigger a refresh request; a new sanctions hit opens a full review.
It proposes a change with the reason. Your team decides, and upgrades to High always go to a person.
It drafts requests from templates your team approves, and tracks the responses.
One timeline per customer: every trigger, review, rating change and decision, with the evidence.
Take the first step
See how an investigation file is built
Pick one alert type. We'll run the agents in shadow mode on your own data and show you the cases they prepare. Your team decides what happens next.
DeploymentDAY 90
Discovery
Shadow mode
Integration
Controlled go-liveDAY 76–90+
Security and governance