KYC questions?
Automate KYC and KYB activities with configurable workflows that bring data collection, verification checks, risk profiling, and case management into a single, transparent process.
KYC questions? Talk to Moody’s
Moody’s solutions for KYC and KYB automation use digital workflows and integrated data checks to help teams verify individuals and business entities, build risk profiles aligned to internal policies, and route cases for review when needed.
Rather than relying on fragmented tools and manual handoffs, you can orchestrate customer due diligence (CDD), enhanced due diligence (EDD), and verification steps through one workflow with case notes and an history trail.
Common use cases
Bring customer or supplier information together from multiple sources, including global individual and entity datasets, and connect to registries, watchlists and other datasets through integrated checks.
This approach supports a consistent intake process for both natural persons (KYC) and legal entities (KYB).
Use gathered data to assess risk and segment customers into risk tiers — for example low/medium/high — based on your internal definitions. Then trigger the next step in the workflow, perhaps straight‑through processing where appropriate, or routed review.
Create workflows that support onboarding, escalation, EDD initiation, or off-boarding decisions, with case management to document actions and outcomes for reporting.
A central workflow can help retain a trail of actions and outcomes, supporting internal governance and external reporting needs.
KYC questions?
KYC questions?
KYC and KYB programs increasingly use flexible, AI-powered technology. Moody’s solutions support organizations to design due diligence workflows that fit their operating model, integrate into existing ecosystems, and evolve as requirements change.
Create KYC and KYB workflows that reflect internal policies, risk appetite, and review structures.
Workflow design can define how data is collected, which checks are run, when escalation occurs, and how cases are documented. Teams can support consistent execution across onboarding and lifecycle reviews without enforcing a rigid process.
KYC and KYB capabilities can be embedded into frontline, compliance, or operations tools rather than operating as standalone applications. This supports alignment between onboarding, risk management, and downstream processes, while helping reduce friction for internal teams and counterparties.
Connect internal systems with external data sources and verification services to bring identity, entity, and risk-relevant information into unified workflows. This connected model supports visibility across individuals, business relationships, and ownership structures, while retaining flexibility to add or change data sources over time.
Moody’s solutions leverage AI and agent‑based approaches to support how KYC and KYB workflows operate, particularly where due diligence requires navigating multiple datasets, checks, and review steps.
Moody’s AI‑driven due diligence agents can be applied within workflows to assist with tasks such as gathering information from connected data sources, highlighting relevant risk indicators, and summarizing findings for analyst review. These agents operate within defined workflows and permissions, supporting consistency while leaving decisions with human reviewers.
Agent‑based approaches are typically designed to handle repetitive and data‑intensive steps, like initial data collation or change detection, so reviewers can focus on interpretation and next steps.
Because Moody’s agents sit within configurable workflows, they can be adapted as policies, risk thresholds, or data requirements change. This means KYC and KYB programs are able to evolve without re‑engineering entire systems or processes.
Reduce manual paperwork and repetitive data entry by handling identity/entity checks and decision steps through a guided process designed around your policy and risk appetite.
Configure which checks to run at onboarding (and at defined touchpoints), such as identity verification, entity verification, sanctions/PEP/adverse media screening, and other risk-relevant checks available through connected data sources.
Leverage AI for processing and triage, while maintaining human oversight. Automatically route exceptions and higher risk cases to analysts, who can review any case with full task level visibility, documentation, and a structured review path, concentrating human judgement where it matters most.
Move from fixed review periods to a model driven by material changes, with alerts that can trigger review steps such as refreshed due diligence or deeper investigation based on your policy.
This perpetual KYC (pKYC) approach can help reduce large remediation exercises by spreading review activity over time and focusing effort where change occurs.
KYC questions?
Support retail and commercial onboarding with configurable KYC/KYB workflows, risk-tiered decisioning, and documented reviews for higher-risk customers.
Centralize due diligence for customers, suppliers, and other counterparties with workflow-led verification and documentation.
Streamline investor and intermediary onboarding with policy-led verification steps and structured exception handling.
Apply standardized due diligence to policyholders, beneficiaries, and distribution partners, with escalation paths for higher-risk cases.
Support procurement and program integrity checks with structured research and an audit trail for decisions.
Automated KYC refers to using technology to help verify customer identity and assess risk with reduced manual effort, particularly during onboarding and ongoing monitoring.
Know Your Business (KYB) is the process used to verify business customers and assess entity risk, typically including research into ownership structure and related risk indicators.
KYC processes are commonly automated to support faster verification and consistent application of internal policies, while reserving human review for exceptions.
*Disclaimer: This content is for informational purposes only and does not constitute legal, financial, compliance or other professional advice. Please consult with a qualified professional for specific legal, financial, compliance, or other professional advice. For more terms and conditions pertaining to Moody’s products and services, refer to the disclaimer on Moody’s website.
An onboarding or know your client (KYC) process is designed to uncover potential risks associated with individuals or entities before they become part of a business network.
Firms may wish to proceed with caution, particularly where institutions state that AI is intended to support compliance activities rather than replace human oversight.
Know Your Customer (KYC) has moved from a back‑office compliance task to a front‑line requirement for asset managers, buy‑side firms, and structured finance specialists.
Artificial intelligence (AI), and specifically a new class of "agentic AI," could become a powerful partner, freeing users from monotonous work and elevating the role to one of strategic importance, while specialists make decisions with contextual inputs from a digital coworker.
Bring KYC and KYB checks into a workflow that fits your policy, your risk appetite, and your operating model. Get in touch to book a demo and see how digital onboarding and ongoing risk management with Moody’s solutions can support your teams.
KYC questions? Talk to Moody’s
