KYC, Reimagined for the AI Era
AI changed what's possible. So we rethought compliance from the ground up.
AI at Every Stage
AI is embedded across the four CARE stages, not bolted on as an afterthought. Each capability augments human judgment with machine precision.
Collect: intelligent data capture
Documents are parsed, classified, and mapped to structured fields automatically. Returning individuals are recognized across files, and the Fast Forward pipeline pre-populates known data so nothing is collected twice.
Assess: risk intelligence
AI proposes risk ratings with explanations, runs automated screening against sanctions, PEP, and adverse media databases, and can fully auto-assess low-risk, straightforward cases, always with human override.
Review: committee-ready output
AI generates executive summaries and automated meeting minutes so reviewers focus on decisions, not paperwork. Every decision is recorded with a full audit trail.
Engage: activation and monitoring
AI recommends which documents to generate, fills templates with validated data, and sets up ongoing monitoring with configurable alert thresholds and periodic review schedules.
The Delta Inheritance Model™
This is what makes CARE KYC a compounding intelligence platform. The Delta Inheritance Model is a structured data architecture (Files, Actors, and Identities) combined with inheritance rules that ensure AI and analysts only ever work on what has actually changed.
The Building Blocks
Three interconnected concepts give AI the structured context it needs.
Files
Each compliance engagement (onboarding, periodic review, or triggered review) lives in its own file and progresses through the CARE stages independently.
Actors
People and companies in their specific roles within a file. The same person can be a director in one file and a shareholder in another, each with role-specific data requirements.
Identities
The glue that links actors across files into a single, portfolio-wide view. When the same person appears in multiple engagements, their identity connects all data, documents, and assessments.
Where Inheritance Kicks In
Data flows automatically between reviews and across files, so nothing is collected twice.
Periodic Review Chains
When a counterparty is reviewed annually (2023 → 2024 → 2025), each new review inherits validated data from its predecessor. Only changed or expired data points require re-collection.
Cross-File Linking
When the same person appears in multiple files, their identity links enable data sharing across unrelated engagements. A passport verified in one file is available everywhere.
Conflict Resolution
When data conflicts arise, CARE KYC resolves them with a clear priority hierarchy:
- Local first - data entered directly on the current file takes priority
- Review chain - inherited data from the previous periodic review
- Identity link - data from other files via the shared identity
The result: 70–90% less re-collection on periodic reviews, with full traceability of where every data point originated.
The Identity Registry
Where everything comes together: a portfolio-wide view of every person and entity, powered by AI-synthesised summaries and cross-file intelligence.
For each identity, the registry surfaces:
AI overview: synthesised summary across all engagements
All data points: consolidated from every file
Assessments: risk ratings and screening results
Documents: regardless of source file
Relationships: directors, shareholders, UBOs
Files: every file where this person has a role
Radically Configurable
Every aspect of CARE KYC adapts to your compliance requirements, not the other way around. Configure the platform to match how your organisation works, and AI follows the rules you set.
Counterparty & Actor Types
Define your own counterparty types (clients, investors, vendors, funds) and actor roles (director, shareholder, UBO, signatory). Each type carries its own data requirements, risk profiles, and review schedules.
Data Requirements
Create reusable data point templates (text fields, dates, selections, document uploads) and w assign them to actor types with conditional filters. A PEP declaration only for natural persons in high-risk jurisdictions? One rule.
AI Agents
Configure which AI agents run at each CARE stage, what models they use, and how aggressively they automate. Tune confidence thresholds for auto-assessment, define extraction rules, and control when AI defers to humans.
Integrations
Connect external data providers, screening services, document storage, and communication channels. Each integration is configurable per counterparty type; different screening providers for different risk tiers.
Assessment & Risk Frameworks
Define your own risk dimensions, scoring models, and escalation thresholds. Configure which assessments are required per counterparty type and which can be automated based on risk level.
Review & Approval Workflows
Set up committee structures, approval chains, and escalation paths. Configure periodic review schedules, trigger-based reviews, and monitoring alert thresholds, all per counterparty type.
Configuration drives behaviour across the entire platform. When you change a rule, AI agents, data collection, assessments, and reporting all adapt automatically.