Client onboarding
KYC, KYB, screening and document collection orchestrated end-to-end with HITL at the decision points only.
Industry
Banking & financial services
Onboarding, claims and case routing with explainable decisions.
The sector reality
How the sector operates today.
Banking decisions live under three pressures at once: regulatory scrutiny, customer expectation of speed, and an internal cost base that has to keep shrinking. Every workflow has to satisfy all three, and the workflow that fails any of them gets escalated to the CEO.
Onboarding is the first impression. KYC, KYB, source-of-funds verification, sanctions screening, document collection — each step heavily regulated, each error costly in both fines and customer abandonment.
Operations runs on review queues. Claims, disputes, fraud cases, exception payments — handled by analysts whose job is partly judgment and partly fighting bad tooling. The judgment is what the bank pays for; the tooling is where the analyst loses hours.
Audit, compliance and risk teams operate downstream of operations. By the time they see the decision, the customer has already received the answer. Their role becomes catching what should not have happened — instead of shaping how it happens.
Where Sommatic fits
A cognitive layer that shapes itself to your operation.
Sommatic sits as a governed cognitive layer over banking workflows. Every onboarding, every claim, every exception runs under explicit rules — applied consistently, with the evidence the regulator and the auditor would ask for already attached.
Analysts stop fighting tooling. The layer assembles cases, runs checks, drafts decisions and surfaces only the judgment calls. Throughput rises without compromising the standard of review.
Compliance moves upstream. Instead of catching exceptions after they reached the customer, the layer prevents the exception from being possible in the first place. Risk shapes operations, not just reviews them.
Audit becomes a query. Every decision carries actor, rule, input and output. Regulators receive the chain, not a reconstruction.
Common workflows
The first things the cognitive layer starts operating.
Claims & disputes triage
Cases assembled with evidence, classified under bank policy and routed to the analyst with the decision already drafted.
Fraud & AML alerts
Alerts enriched with context, scored, prioritized and routed with the recommended action and supporting evidence.
Internal compliance workflows
Policy attestations, control testing and exception management run under explicit rules with audit-grade evidence.
Audit & regulatory evidence
Decision chains, control evidence and reporting produced as a byproduct, ready for examiners and regulators.
What you will see change
Three things your team will notice first.
Onboarding closes in hours
KYC and KYB compress without compromising the standard. Abandonment drops, first-90-days revenue rises.
Analysts spend time on judgment
Case assembly, evidence collection and routine review get handled by the layer. Throughput and quality rise together.
Exams get easier, not harder
Regulators receive evidence chains, not narratives. The audit conversation becomes data.
Where you start
Your recommended entry point.
Start with internal compliance workflows. Add client request triage and onboarding. Enterprise audit chain in the second quarter.