Remote Digital Onboarding & Know Your Customer (KYC eIDAS compliant with AML4)

In the current regulatory landscape, global financial organizations must make significant investments in anti-money laundering (AML) and anti-terrorism controls (CFT) leading them to follow a client identification procedure of Customer Due Diligence (CDD) or Know Your Customer (KYC). ID Verification helps banks provide a smooth customer onboarding experience that complies with KYC regulations and minimizes the risk of fraud.

Orchestrate the optimal customer journey

• Fully compliant with latest Bank of Greece regulations
• End-to-end solution including video call
• Modular solution – can be connected to any existing processes
• Mobile Channel fully supported (NFC Technology)
• Fastest solution available

Solution in a nutshell 

Remote KYC/IDV (SaaS in the cloud)

Features

Mellon in partnership with Thales’s ID verification solution, automatically performs, in a few seconds, the three verification actions required to identify a customer and it also allows a real-time enrollment in any configuration. It is a fully flexible solution that can be easily deployed across subsidiaries and branches.

Our solution automatically provides, in a matter of seconds:

• digital capture of customer information for instant auto-fill in enterprise data systems
• multichannel identity document verification, with adaptable security levels
• option of customer authentication using biometric technologies
• option of customer risk assessment through the review of PEPs, sanctions or watch lists​

Digital Onboarding solution offers organizations various services depending on local regulations and IT infrastructure:

• Off-line ID Verification with Back-office services
• Video Call services for extra security checks and liveness
• Uploading of extra accompanied documents to support remote on-boarding
• Remote issuing of Qualified Certificate to support Remote Digital Signing under eIDAS regulation

Use Cases

• Digital customer on-boarding (non-customers, FI’s, SME’s)
• Online authentication and eIDAS QES Issuing and enabling - Act as a TSP (Trust Service Provider) in compliance with directive of July, 2017 and eIDAS
• Remote Signing of documents – Digital Transformation
• Regular Update of customer details for High-Risk Customers / Better risk assessments and compliance with AML4-5/CFT

Unique Advantages

STRONG MARKET PRESENCE & EXPERIENCE

• Local offices and Support in SEE
• Consulting on Compliance issues (eIDAS, AML, PSD2)
• Huge experience in Outsourcing and CCS
• Global partners and cutting edge technology

UNIQUE eIDAS CERTIFIED SERVICE

• Certification by EU Conformity Assessment Body
• Agents/Validators Trained on identification of fake documents
• Fast digital on-boarding, Secure IDV results

RICH FUNCTIONALITY

• IDV Methods: Automated L1 and L2 IDV, Video Call with Interactive Sales Capabilities, Hybrid IDV and KYC
• TECH: Auto Liveness Detection and Biometric Face Recognition // Agents-Validators anti-fraud Techniques // Qualified Certificates enrolment and Issuing (short and long lived, for retail and companies) // OCR and ICR
• DOCS: ICAO Documents of more than 200 countries // Non-ICAO ID Documents // Extra Documents management (i.e. utility bills)