One guided workflow: Company Intelligence → UBO Mapping → Screening Intelligence → Audit-Ready Case Files. Reduce corporate KYC review time from hours to minutes, with every decision evidenced and aligned to JMLSG, MLR 2017 and POCA 2002.
Onboarding a company means reconciling registry data, ownership, screening and risk, usually across disconnected tools, under regulatory pressure to evidence every decision.
Every corporate review runs the same disciplined way, bridging Company Intelligence, Screening Intelligence and an audit-ready compliance decision.
Establish the legal entity and jurisdiction from live Companies House data, structure and SIC risk.
Company IntelligenceDetermine UBOs and the control structure, traced through every layer with the PSC register reconciled.
UBO · PSCIdentify sanctions, PEPs and adverse information, with risk-triggered EDD where it matters.
Screening · EDDProduce analyst-ready evidence and a risk rationale, exported as a signed, audit-ready case file.
Audit-ready PDFNot a checklist. A connected intelligence picture of the company, its owners and its risk.
Live Companies House registry, officers, filings and structure. Confirms who the analyst is dealing with and how the entity is organised. Output: a verified entity profile.
Beneficial ownership traced recursively, with PSC discrepancies surfaced. Reveals who ultimately owns and controls the company. Output: a documented UBO and control map.
Sanctions, PEP and adverse media across 40+ global lists. Surfaces regulatory and reputational exposure on the entity and its owners. Output: a scored, explained screening record.
Risk-triggered enhanced due diligence for PEPs, offshore and complex structures. Focuses analyst scrutiny where risk is highest. Output: a targeted EDD evidence pack.
Negative news, litigation and insolvency signals, clustered and assessed for relevance. Flags issues a registry will never show. Output: an assessed adverse-information summary.
Identity and document verification captured against each finding. Proves the review was performed and properly evidenced. Output: a complete, reviewable evidence trail.
Generic providers hand you registry fields and a screening hit list, then leave the judgement to you. KYCifi assembles analyst-ready evidence, ownership structures and a documented risk rationale, reviewed by practitioners who have made these calls inside Big Four firms and banks.
LÆdar runs the mechanical work behind every corporate review, so analysts spend their time on judgement, not collection.
A complete, defensible corporate KYC file, built to the standard supervisors expect.
A complete corporate customer due diligence report, exported as a signed PDF.
The full ownership and control structure, with UBOs evidenced.
Sanctions, PEP and adverse media results with adjudication rationale.
A documented composite risk score with a per-factor breakdown.
Enhanced due diligence evidence for higher-risk relationships.
Analyst sign-off, supervisor approval and a full audit trail.
Analyst-ready outputs. Human-reviewed decisions. Bridge Company Intelligence, Screening Intelligence and an audit-ready case file in one guided review.
Need access? Contact contact@kycifi.com
Structured corporate customer due diligence guided by JMLSG, MLR 2017 and POCA 2002. Companies House data pull, risk-triggered EDD modules, AI-assisted narrative and signed PDF output.
Core company identity, Companies House registration, relationship scope and initial risk appetite classification.
Fetching data from Companies House...
Companies House data loaded. Please verify all auto-populated fields and correct any discrepancies.
Could not retrieve data. Please check the company number and try again, or enter details manually.
Company status is not "active". Confirm the status with the customer, review the CH filing history and assess whether this is consistent with your bank's onboarding policy.
Recently incorporated company (less than 12 months old). Verify the commercial rationale for early banking activity. Request a business plan and projected financials. Consider whether enhanced due diligence is required.
Offshore or non-standard jurisdiction identified. Verify: (1) whether the jurisdiction maintains a public beneficial ownership register; (2) FATF risk classification; (3) any applicable JMLSG high-risk jurisdiction guidance. Document rationale for the banking relationship in this jurisdiction.
FATF blacklist jurisdiction. This jurisdiction is subject to a call for action by FATF. Enhanced due diligence is mandatory under MLR 2017 Reg 33. Senior management approval must be obtained and documented before proceeding. Consider whether the relationship can be maintained at all.
Enhanced Due Diligence selected. MLR 2017 Reg 33 requires additional scrutiny of beneficial ownership, source of funds and wealth, and the purpose of the transaction or relationship. Senior management approval must be obtained and documented before onboarding. Ensure all EDD modules in Sections 2--6 are completed.
PSC register review, UBO identification and verification, corporate layering, PEP assessment and third party reliance.
Fetching PSC register from Companies House...
PSC data unavailable. Please enter PSC and UBO details manually using the button below.
No active PSCs found on the Companies House register. Possible reasons: (1) the company is exempt from PSC disclosure; (2) ownership is dispersed below the 25% threshold; or (3) there is a filing discrepancy. Document the reason in the UBO completeness field below and confirm the UBO position manually.
All PSCs on the register have ceased -- no active PSCs. Review the CH filing history and establish the current beneficial ownership position. Enter current UBOs manually below.
Incomplete UBO identification. MLR 2017 Reg 28(2) requires that all beneficial owners are identified before the relationship is established. The review must not proceed to onboarding until UBO identification is complete or a senior managing official has been identified as UBO of last resort per Reg 28(3).
PEP status could not be confirmed. PEP screening against a reputable database must be completed before this review can be finalised. Record the screening outcome in Section 6 (Adverse Information and Screening).
Sanctions, PEP and adverse media screening for the registered entity and all active PSCs / UBOs.
Screening API unavailable. Results below are placeholders -- enter assessments manually using the dropdowns for each entity.
Documentary verification of business source of funds, consistency with profile and unexplained transaction assessment.
Source of funds not documented. Under MLR 2017 and JMLSG guidance, adequate source of funds documentation is required. For higher-risk customers and EDD cases, onboarding must not proceed until documentary evidence has been obtained and reviewed. Obtain evidence before progressing this review.
Consistency concern identified. A divergence or uncertainty between the stated source of funds and the customer's business profile requires further investigation. Request a written explanation from the customer and document the resolution before proceeding. This factor will increase the composite risk score in Section 5.
POCA 2002 Section 330 -- Disclosure obligation. Unexplained transactions have been identified. If you know or suspect that money laundering is occurring or has occurred, you must submit a Suspicious Activity Report (SAR) to the NCA before taking further action. Do not tip off the customer. Record the NCA SAR reference below and escalate to the MLRO immediately.
Composite risk score derived from all prior sections, risk category, triggered factor breakdown and next review date.
MLRO review and decision, conditions of approval, SAR assessment, and senior management sign-off for high-risk cases.
Application declined. The customer must not be onboarded. Do not tip off the customer as to the reason for the decline if the decline relates to a suspicion of money laundering or terrorist financing -- doing so may constitute a tipping off offence under POCA 2002 Section 333A. Record the decline in the firm's refusal register. Assess whether a SAR is required.
POCA 2002 Section 333A -- Tipping off. A SAR is under consideration. Do not tip off the customer or any connected party. Do not disclose to the customer that a report is being considered, that an investigation is underway, or that the onboarding process has been paused for compliance reasons. Breach of Section 333A is a criminal offence carrying up to two years' imprisonment. File via NCA SARs Online before taking further action.
Analyst assessment narrative, declaration, supervisor sign-off, LÆdar AI narrative generation and PDF export.
I confirm that this review has been conducted in accordance with the firm's AML/CTF policies and procedures, the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLR 2017), and applicable FCA guidance. I am satisfied that the customer due diligence measures applied are commensurate with the risk identified. Where enhanced due diligence has been applied, I confirm the additional measures are proportionate and documented. I understand that this record must be retained for a minimum of five years from the date of the business relationship ending, pursuant to MLR 2017 Regulation 40.