KYC File Reviewer
Finds what the onboarding file is missing, and decides nothing
8 of 11 customer files have a gap that needs fixing.
11 files reviewed. 8 are flagged for 23 risk points; the oldest gap is 423 days.
Start with Delta Gold FZE. The high tier has the most flagged files.
The quality of the documents themselves is not in the data: this checks what is on file and when.
Why rows were flagged
- Review overdue44%
- Source of funds not documented33%
- Identity not verified22%
Value flagged by Risk tier
- high4
- medium3
- low1
Files to fix, highest risk first
| Item | Risk tier | Value | Days | Why |
|---|---|---|---|---|
| Delta Gold FZE | high | 6 | 302 | Identity not verified, Source of funds not documented |
| Falcon Imports | medium | 3 | 261 | Source of funds not documented |
| Bright Path Ltd | high | 3 | 166 | Source of funds not documented |
| Indigo Exports | medium | 3 | 148 | Identity not verified |
| Horizon Tech | low | 2 | 423 | Review overdue |
| Kite Marine | high | 2 | 231 | Review overdue |
| Al Noor Trading | high | 2 | 140 | Review overdue |
| Cedar Logistics | medium | 2 | 120 | Review overdue |
What to do this week
- Complete or escalate Delta Gold FZE today: it is the riskiest file.
- Review every file in the high tier before the next regulatory check.
- Schedule reviews for every file past its review date, high risk first.
Do
- Review high-risk customers at least every 12 months.
Don't
- Don't onboard or keep trading while identity is unverified.
How to improve
- Add the screening result date so the next report can flag stale sanctions or PEP checks.
- Add the customer's country so the next report can weigh geographic risk.
Demo
Overview
Onboarding files fail for boring reasons: a document that expired last month, an address that does not match the utility bill, an ownership chain that stops one company short of a natural person. Finding those is mechanical work that consumes an analyst's week.
This agent does the mechanical part. It checks the file against the customer due diligence policy in your knowledge base — which documents this customer type requires, what must be verified, what must be dated — and reports exactly what is missing, expired, inconsistent, or unresolved.
It makes no decisions. It does not accept or reject a customer, does not assign a risk rating, does not conclude anyone is a politically exposed person, and does not decide anything is suspicious. Those are regulated acts that carry personal liability, and an agent performing them would be a liability rather than a product. It produces a complete, evidenced list of what an analyst must resolve.
Benefits
Analysts stop hunting
They arrive at a file with the gaps already listed.
Consistent files
The same policy applied to the two-hundredth file as to the first.
Audit-ready
Every finding traces to a written requirement.
What it does
Checks against your own CDD policy
Your requirements for this customer type, read from your knowledge base — not a generic checklist.
Catches expiries and mismatches
Expired documents, names that differ, addresses that do not agree across the file.
Follows the ownership chain
Reports where the chain stops short of a natural person, and at which entity.
Separates missing from unresolved
A document nobody supplied and one that raises a question need different work.
Decides nothing
No acceptance, no risk rating, no PEP conclusion, no suspicion. Every one of those is an analyst's regulated act.
An evidenced worklist
Each gap names the policy requirement behind it.
What this changes
What this changes about your week
- It takes over
- Working through an onboarding file for expiries, mismatches and gaps in the ownership chain.
- Done today by
- Analysts, at the cost of most of their week.
- How often
- Every new customer, and every periodic review.
- Typical manual effort
- A corporate file with a layered ownership structure is an hour or more.
Why Banking & Financial Services in particular. The finding is mechanical; the decision is not. This does the mechanical half so your analysts spend their judgement where it is needed.
Runs unattended
Started by you or by an event, and it finishes on its own. Nothing waits for someone to be at a desk.
The same standard every time
The two-hundredth item is held to the bar the first one was. Consistency is the part people cannot sustain.
It cannot act on its own
KYC File Reviewer has no path to sending, spending or committing. That limit is why its output is safe to act on.
How it runs
This agent runs server-side through the PROMIVO runtime. Each run is logged step by step and every tool call is permission-checked before it executes.
- 1InputValidated against the agent input schema
- 2Modelclaude-opus-5 with automatic fallback
- 3Toolssearch_knowledge, extract_structured_data
- 4PermissionsRuns READ actions automatically; anything higher waits for approval
- 5OutputStructured result matching the output schema
- 6LoggingTokens, duration and every step recorded
Requirements
Integrations
No integrations required.
Before you start
- The onboarding file contents
- A knowledge base holding your CDD/KYC policy
- Requires the All-Access plan or higher
Use cases
New customer onboarding
Check the file before it reaches an analyst.
Periodic review
Find what has expired or changed since onboarding.
Remediation programmes
Work a backlog against one consistent standard.
Pricing
All-Access
Billed monthly through your PROMIVO subscription. Cancel at any time.
Runs consume your plan allowance for agent executions and tokens. See plan limits
FAQ
Does it approve customers?
No, and it must not. Acceptance, risk rating, PEP determination and suspicion are regulated decisions carrying personal liability for the person who makes them. This agent lists what is missing so that person can decide faster.
Does it screen against sanctions lists?
No. Screening requires licensed, continuously updated data and a documented matching process. It reports whether your file records that screening was performed, which is a documentary check.
What if our policy is not loaded?
It reports that it cannot check requirements and limits itself to internal consistency and expiry checks. It will not substitute a generic standard for your policy.
What about the personal data in these files?
It reads what you supply and transmits nothing outward. Findings reference documents rather than repeating identifying detail that the finding does not need.
Reviews
Reviews open once customers have run this agent.
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