Risk
R.24
You need the people behind the company
FATF Recommendations 24 and 25 expect adequate, accurate and timely information on the beneficial owners of companies and trusts. A director's name isn't enough.
KYC / KYB OnboardingFull file before approval · Your team approves
Onboard individuals and businesses faster with owners identified before the account opens
The agent checks customer details and screens every person connected to the account before it opens. For businesses, it traces ownership through to the people who actually control the company. Your team approves the account with the full file in front of them, and the risk rating starts on day one.
Onboarding desk
Individuals and businesses
APPLICATIONS CHECKED TODAY
1284310
SENT FOR EDD
2140
Anjali Verma
Savings account · mobile app
RISK 14··
ReadyScanning
Harbour Logistics Ltd
Current account · SME
RISK 58··
Info neededScanning
Faisal Al-Mutairi
Premium account · branch
RISK 71··
EDDScanning
Blue Reef Holdings
Corporate account · offshore parent
RISK 82··
EDDScanning
Kevin Otieno
Wallet account · app
RISK 22··
ReadyScanning
Sunrise Jewellers
Merchant account
RISK 66··
Info neededScanning
AI REASONING · Anjali VermaReady · Risk 14
Verifying documents, screening people, tracing owners…
ID verifiedLiveness passedNo screening hits
Documents and selfie check out, no screening hits. File complete and ready for your approver.
1 file
Per applicant, ready for approval
Day one
Risk rating starts at onboarding
Your team
Approves every account
Why onboarding stalls
The customer waits while your team chases documents and owners
Retail onboarding fails on document and identity checks. Business onboarding fails on ownership. Either way, files go back and forth, good customers drop off, and risky ones get through on an incomplete file.
Risk
10% vs 25%
Ownership thresholds differ by market
India's PML Rules set a 10% ownership threshold for companies, while EU rules use 25%. A cross-border group can need both.
Risk
Day one
Risk starts at onboarding
A customer onboarded on an incomplete file carries that gap into every alert and review that follows.
What FluxForce delivers
A complete file before anyone presses approve
The agents run the checks in parallel and hand your team one file with the gaps marked.
CAPABILITY 01 / 06
Identity verification
Checks ID documents for tampering and expiry.
Runs selfie and liveness checks.
Flags synthetic and borrowed identities.
Matches the applicant's details across sources.
CAPABILITY 02 / 06
Business verification
Pulls company registry data where available.
Checks licences, directors and registered address.
Flags shell company indicators.
Tracks expiring documents after onboarding.
CAPABILITY 03 / 06
Ownership tracing
Traces ownership through layers of companies and trusts.
Identifies the people who control the company.
Applies the ownership threshold your market requires.
Draws the ownership chart for your reviewer.
CAPABILITY 04 / 06
Screening every connected person
Screens applicants, directors, owners and signatories.
Checks sanctions, PEP and adverse media.
Rules out namesakes with verified identity data.
Sends true matches to an analyst.
CAPABILITY 05 / 06
Risk rating from day one
Rates the customer on the factors in your risk policy.
Sends high-risk applicants to enhanced due diligence.
Prompts for source of wealth and funds where required.
Sets the review cycle from the rating.
CAPABILITY 06 / 06
Human approval
Your team approves every account.
Missing items are listed, not hidden.
Every check and decision is timestamped.
The file stays linked to the customer for later reviews.
What changes for your team
Faster decisions on complete files
Onboarding time depends on your products and your market. We'll measure it on your own applications in shadow mode before you change anything.
1 file
Per applicant
Identity, ownership, screening and risk rating together.
Every
Connected person screened
Directors, owners and signatories, not only the applicant.
Day one
Risk rating
Customers start with a rating your examiner can follow.
Your team
Approves
No account opens on an agent's say-so.
Replay
For your examiner
Every check, as it stood on the day the account opened.
The agents on this work
Three AI agents behind every onboarding file
Identity, screening and ownership checks run together, so your reviewer sees one file.
Senior AI Identity Verification Specialist
Iris Verma
Verifies documents, selfies and liveness.
Document tampering and expiry
Liveness checks
Synthetic identity signals
Senior AI KYC/AML Compliance Director
Rhea Ledger
Screens every connected person and sets the first risk rating.
Sanctions and PEP screening
Ownership tracing
Day-one risk rating
Senior AI OSINT Intelligence Director
Oscar Gray
Adds public-source context on the applicant and the business.
Adverse media
Company and director checks
Namesake filtering
Where it fits
Onboarding for the customers you serve
A wallet user, a trading company and a policyholder need different checks. You configure them; the agents run them the same way every time.
RETAIL AND SME
Banking
Focus
Individuals and SMEs
Scope
Branch and digital
Shadow mode to go-live90 DAYS
Results
Complete files reach approvers first time
Owners traced before the account opens
Risk rating set on day one
DIGITAL ONBOARDING
Fintechs
Focus
App sign-ups
Scope
Merchants
Shadow mode to go-live90 DAYS
Results
Identity checks fit a mobile sign-up
Merchant owners traced before go-live
Evidence your sponsor bank can review
POLICYHOLDERS
Insurers
Focus
Life and investment policies
Scope
Beneficiaries
Shadow mode to go-live90 DAYS
Results
Policyholders and beneficiaries screened
High-value policies sent for EDD
Files ready for your regulator
Questions? We Have Answers
Frequently Asked Questions
No. The agent prepares the file and marks any gaps. Your team approves every account.
Yes. The agent traces ownership through layers of companies and trusts to the people in control, and draws the chart for your reviewer.
The one your regulator and your policy set. You configure it per market.
Yes. Document tampering, expiry, selfie match and liveness checks run during onboarding.
The file stays linked to the customer. Expiring documents, new screening hits and ownership changes open a review under Customer Lifecycle Management.
Yes, through APIs to your onboarding platform or core. It runs as SaaS, on-premise or hybrid.
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