Client Lifecycle Management journey.
Client onboarding, identity verification, and risk-based due diligence across the relationship
Overview
Client Lifecycle Management governs the full customer relationship as a single journey — from onboarding, through ongoing due diligence and periodic review, to offboarding.
Comprehensive customer onboarding with identity verification and initial risk assessment establishes each relationship on the right footing. As the relationship runs, dynamic risk assessment based on customer behavior, country, and products keeps the client profile current.
Streamlined onboarding, approvals, and escalations with rule-based automation drive the lifecycle forward, with periodic and event-driven reviews triggered as circumstances change — and a complete record of every decision for regulatory compliance.
Key Features
One continuous record of the relationship, from the first touch through every review
Client Onboarding
Comprehensive customer onboarding with identity verification and initial risk assessment from the first touch
Identity Verification
Verify identity documents at onboarding — including ID OCR extraction with MRZ check-digit validation — and capture the documentary evidence the relationship is built on
Risk-Based Due Diligence
Dynamic risk assessment based on customer behavior, country, and products drives CDD and EDD depth across the relationship
Relationship History
A single timeline of onboarding, reviews, and changes forms the complete record of every decision for the relationship
Periodic Review
Scheduled and event-driven reviews keep each client profile current as behavior, country, and product exposure shift
Offboarding
Close the relationship in a controlled way, retaining records and audit history for the regulatory retention period
Key Benefits
Integration Points
How Client Lifecycle Management connects with the systems around it — inbound onboarding data, downstream destinations, APIs, and the jobs that keep reviews on schedule.
- Customer onboarding systems
- Identity verification data
- Core banking systems
- KYC document feeds
- Risk Assessment Engine
- Case management
- Regulatory reporting
- Client create & update API
- Risk assessment API
- Risk rescore API
- Periodic review scheduling
- Profile re-assessment
- Tier-change notifications
Performance Metrics
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See how Client Lifecycle Management carries onboarding, due diligence, and reviews on one record
Frequently Asked Questions
What does the client lifecycle cover?
The full relationship as a single journey: onboarding and identity verification, ongoing risk-based due diligence, periodic and event-driven reviews, and controlled offboarding.
How is identity verified at onboarding?
Comprehensive customer onboarding with identity verification and initial risk assessment captures and records the documentary evidence each relationship is built on.
How is review depth decided?
Dynamic risk assessment based on customer behavior, country, and products sets the depth of customer due diligence and enhanced due diligence for each client.
When are periodic reviews triggered?
Reviews are scheduled by risk band and also triggered by events — changes in behavior, country, or product exposure raise the next review automatically.
Is the relationship history auditable?
Yes. Onboarding, every review, and offboarding live on one timeline, retaining a complete record of every decision for regulatory compliance.
What happens at offboarding?
Relationships are closed in a controlled way, preserving records and audit history for the required retention period.
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