KYC / CDD / EDD (Ongoing) Agent

Due Diligence That Never Goes Stale Between Reviews.

Maintain continuously current customer risk ratings, refresh due diligence on each customer's required cadence, screen for adverse media and PEP status as it changes, and escalate to EDD with documented rationale, with every conclusion reviewed and confirmed by your compliance team.

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Institutions Trust Uptiq

Automate Ongoing Customer Due Diligence Management

Replace the periodic review queues, manual risk re-rating processes, and adverse media searches that consume BSA/AML team capacity with a continuous due diligence workflow that keeps every customer risk profile current, every review cadence on schedule, and every EDD escalation documented.

Customer Risk Rating & Re-Rating

Maintains current risk ratings for every customer in the portfolio by continuously evaluating the factors that drive the institution's risk rating methodology, account activity patterns, transaction behavior, product usage, and customer profile characteristics, and flagging customers whose current profile warrants a rating change for compliance team review. Risk rating recommendations are produced for human confirmation; the agent does not change ratings autonomously, and every recommended change is documented with the specific factors driving it.

Continuously evaluates customer profiles against the institution's risk rating methodology

Flags customers whose current profile warrants a rating change for compliance review

Documents the specific factors driving each rating change recommendation for reviewer context

Cadence-Based Due Diligence Refresh

Manages due diligence refresh on each customer's required cadence, annually for standard-risk customers, more frequently for higher-risk or EDD-designated customers, by identifying when a customer's next refresh is due, assembling the refreshed profile materials, and presenting a structured review package to the compliance officer for completion. Cadence tracking prevents the review drift that creates BSA/AML examination findings: every customer has a documented next-review date, and approaching deadlines are escalated before they lapse.

Manages due diligence refresh on each customer's required cadence by risk rating

Assembles refreshed profile materials for compliance officer review and completion

Tracks upcoming review deadlines and escalates approaching lapses before they occur

Adverse Media, PEP Screening & EDD Escalation

Screens the customer portfolio continuously for adverse media developments and PEP status changes — monitoring news sources, regulatory actions, law enforcement announcements, and official PEP designation databases for changes that would affect an existing customer's risk profile. When screening surfaces a material finding, the agent assembles the relevant information and, where the finding warrants EDD treatment, produces an escalation package with the documented rationale that the compliance officer reviews before escalation is confirmed.

Screens continuously for adverse media developments and PEP status changes

Assembles EDD escalation packages with full rationale for compliance officer review

Recommends EDD conclusions, compliance officers confirm every escalation and determination