Transactional Platforms and Digital Processes

KYC / LCB-FT

Ensure regulatory compliance without degrading the customer relationship
Bank 3

A secure customer relationship

KYC / LCB-FT processes are obligations for financial institutions. Faced with increasingly restrictive regulatory changes, you must constantly develop your systems: collection of supporting documents and information about your customers when entering into a relationship, keeping the file up to date, etablishing of permanent controls.

Badly mastered? It presents a significant regulatory risk with sanctions and an image risk.In addition to this, you will need to know more about it.

Badly designed? It can be considered too intrusive and degrade the customer relationship.

From getting in touch with remediation campaigns

Our KYC / LCB-FT solution

Bring the customer base into compliance

KYC - REMEDIATION

DIAGNOSIS OF CUSTOMER FILES 

Analyze customer files to identify missing documents and information

REMEDIATION CAMPAIGNS

Contact and follow up with non-compliant customers using the most suitable channel (SMS, email, mail)

COLLECTION OF DOCUMENTS

Collect the necessary parts and information via a Selfcare portal. Possibility to send paper supporting documents to our courier service

Control new customers

KYC - ON-BOARDING

COLLECTION OF DOCUMENTS

Collect the necessary parts and information via a Selfcare portal. Possibility to send paper supporting documents to our courier service

100% CHECK OF PARTS WHILE CONNECTING TO THE PORTAL

Most parts are controlled automatically in real time.

Parts requiring manual checking can be checked during session time to facilitate onboarding

Maintain the customer base in compliance

KYC-ON-GOING

CUSTOMER SCREENING AND SCORING * 

Continuous monitoring of customer files (End of validity of documents, PEP, Sanctions, Adverse Media, beneficial owners).

Scoring Algorithm 

Triggering of alerts and / or request for supporting documents.

COLLECTION OF DOCUMENTS

Collect the necessary parts and information via a Selfcare portal. Possibility to send paper supporting documents to our courier service

Our KYC / LCB-FT solution 

A complete solution

Automation

Our Computer Vision technology and artificial intelligence algorithms make it possible toimprove permanently automation rates and systematize controls in order to lower the costs et processing times.

Human supervision

Automatic processing involves the analysis of non-nominal cases. Our experts are able to manage these manual treatments with unparalleled responsiveness and thus guarantee for 100% processing of files.

Traceability

Traceability implemented on all controls made, events, documents collected.

Reporting & Dataviz

Reporting and Dataviz tools make it possible to carefully supervise the effectiveness of KYC remediation actions and to upgrade the systems if necessary.

Scalability and openness

The architecture of our solution makes it possible to interface with third-party solutions and to manage large volumes of data. The management rules are fully customizable in order to adapt to the needs of each organization.

Discover the innovations brought by Luminess and its partners in the deployment of KYC solutions that include the Blockchain. During the webinar hosted by Option finance, Luminess (formerly Jouve) and Archipels have demonstrated how such a technological solution can improve the customer experience, increase the level of trust, while guaranteeing data compliance.

Partnerships to strengthen our expertise

100% reliability on KYC procedures

 Luminess has chosen to rely on the technology-based documentary certification platform Archipelagos blockchain.

This unique technology allows consolidate, solidify and complete data compliance control processes. This device guarantees 100% authenticity, by checking, for example, the conformity of an Engie invoice provided by a customer. 

Jouve Unissey Partnership

A reinforced fight against fraud

Luminess strengthens its Data Capture RealTime solution, which verifies supporting documents in real time by biometric solution fully passive and real-time of Unissey, which can detect any face spoofing attack, frictionless for the user.In addition to this, you will need to know more about it.

Pledges of security additional fight against fraud, particularly useful when entering into a relationship. 

We are constantly developing new algorithms to make our anti-fraud treatments more efficient. 

Nicolas Chevrier
Customer Experience Director

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