KYC onboarding agent for a US payments fintech
B2B payments fintech, New York
- Challenge
- New business accounts sat in a manual KYC review queue for an average of 3 days before a merchant could accept a first payment, driven by compliance analysts individually checking business registration, beneficial ownership and sanctions lists for every application.
- Solution
- AGS built an agent that runs the standard KYC checks the moment an application arrives — registry lookups, beneficial-ownership verification and sanctions screening — and assembles a complete case file with its findings and confidence level. Analysts approve or escalate; nothing auto-approves.
- Results
- Time to first-payment eligibility down from 3 days to 4 hours
- Compliance analyst caseload per day up 2.4x with no headcount added
- Zero missed sanctions-list matches across 6 months in production
