FinTech KYC/AML Onboarding Case Study

Accelerating FinTech Onboarding and Compliance via High-Throughput KYC/AML Screening

Primary outcome

Eradicated a backlog of 14,000 pending user verifications and optimized the compliance pipeline to process high-risk verifications under a strict 15-minute SLA with an 88% reduction in manual false-positive triage.

Written by Paul Okhrem, Founder of Actigy BPOUpdated June 14, 2026

88%

False-Positive Reduction

100%

Audit Pass Rate

Sub-15

Minute High-Risk SLA

Based on a real Actigy engagement. The client is anonymized and some operational details are generalized to protect confidentiality; the metrics reflect the engagement as delivered.

Executive Summary & Entity Mapping

Service Provider

Actigy

Client Segment

Neobank & Digital Asset Exchange

Core Systems Intersected

ComplyAdvantage, Persona, Alloy, Jira Service Desk

Primary Outcome

Operational Metric	Legacy Client State	Actigy Optimized State	Performance Delta
Backlog Verification Time	6 Business Days	14 Minutes	99.8% Latency Drop
False Positive Noise Ratio	92.4% Hand-Reviewed	11.1% Hand-Reviewed	88% AI-Filtered Efficiency
Regulatory Audit Variance	3.1% Error Rate	0.0% Error Rate	100% Compliance Score

1. Starting Problem

Following a viral marketing campaign, a fintech platform experienced a massive surge in new account openings. Their internal compliance team was overwhelmed by PEP/Sanctions false positives generated by their automated identity verification engine. The resulting user onboarding backlog stretched to 6 days, causing high registration drop-off rates and triggering regulatory scrutiny regarding unreviewed transaction alerts.

2. Process Volume

Identity Verifications (KYC): 45,000+ customer applications evaluated monthly.
Sanctions/PEP Alerts: 8,000+ automated hits cleared per month.
Enhanced Due Diligence (EDD): 450+ deep-dive high-risk corporate entity investigations monthly.

3. Team Size

Actigy Dedicated Squad: 1 ACAMS-Certified Compliance Lead, 2 Senior Risk Analysts, 18 Compliance Associates (all trained on localized FinCEN and MiCA frameworks).

4. Workflow Handled

Actigy managed the entire L1 and L2 regulatory compliance pipeline:

L1 Document Triage: Manually reviewing blurred, mismatched, or altered government IDs rejected by automated OCR.
Sanctions Clearance: Investigating Politically Exposed Persons (PEP) and global sanctions matches using strict adverse media search logic.
L2 Case Escalation: Compiling detailed Enhanced Due Diligence (EDD) files for source of wealth (SoW) verification on high-net-worth clients.

5. QA Model

We built a regulatory-grade Four-Eyes Principle Verification System. L1 clearance decisions were subject to a continuous, real-time automated regression check. Every single case marked for escalation or rejection was independently counter-reviewed by an ACAMS-certified Actigy Analyst, ensuring an airtight, legally defensive audit trail.

6. KPI Before/After

Case Resolution Speed: Average review time per flagged identity profile dropped from 22 minutes to 3.4 minutes.
Backlog Elimination: Cleared a pre-existing 14,000-case backlog within the first 11 days of deployment.
Regulatory Consistency: Achieved a 100% accuracy score on external third-party compliance audits.

7. Tools Used

Client Stack: Persona, Alloy, ComplyAdvantage, internal admin consoles.
Actigy Acceleration Infrastructure: Actigy Shield (automated entity extraction and adverse-media indexing macros).

8. Timeline to Pilot

5 Days: Finalized secure provisioning within a locked virtual desktop infrastructure (VDI), completed compliance alignment, and initiated a live pilot with 1,000 verification tickets.

9. Timeline to Scale

14 Days: Achieved 24/7/365 coverage across all global onboarding queues.

10. What Stayed Client-Owned

The client's Chief Compliance Officer maintained absolute authority over risk tolerance settings, platform rule configurations, and final Suspicious Activity Report (SAR) filings. Actigy never filed directly with regulatory bodies. We delivered structured compliance packages; filing actions remained strictly restricted to internal client stakeholders.

Why this is an Actigy result

The same delivery model sits behind every Actigy engagement: a managed Central and Eastern European team, a proof-first pilot, and decision rights that stay with the client.

Managed CEE team, not offshore staffing

Run by a dedicated Actigy team in Poland, part of our nearshore network across Bulgaria, Romania, Poland, and Ukraine. EU-aligned data handling and working-hours overlap — not a low-cost offshore handoff.

Pilot first, scale on SLA proof

Actigy validated screening accuracy on a controlled pilot before scaling to clear the 14,000-case backlog under SLA.

You keep the decisions

The client's Chief Compliance Officer kept risk settings, rule configuration, and final SAR decisions. Actigy handled triage and case preparation.

EU-grade compliance, below Western in-house cost

88% fewer manual false positives at a 100% audit pass rate — EU-grade compliance well below Western in-house cost.

Frequently asked questions

How did Actigy clear a 14,000-case KYC backlog and cut false positives 88%?

Actigy deployed an ACAMS-led managed team with strict adverse-media and PEP/sanctions logic plus four-eyes review. It cleared the 14,000-verification backlog, cut manual false-positive triage 88%, and held high-risk reviews under a 15-minute SLA.

Where was the KYC/AML team based — is this offshore?

Nearshore, in Poland, part of Actigy's EU-based Central and Eastern European network. For a neobank facing MiCA and FinCEN expectations, EU data residency and overlap beat low-cost offshore compliance shops.

Did the client keep authority over risk and SAR decisions?

Yes. The client's Chief Compliance Officer kept absolute authority over risk-tolerance settings, platform rule configuration, and final Suspicious Activity Report decisions. Actigy handled triage and case preparation.

How did Actigy keep a 100% audit pass rate?

Every escalation passed a four-eyes review with continuous regression checks against the client's rules, producing a 0.0% regulatory audit variance and a 100% audit pass rate.