Actigy BPO · Payments and compliance
Merchant KYB backlog capacity planner
Actigy BPO prepares merchant KYB files for payment providers that need extra review capacity. Use this planner to estimate analyst and reviewer hours from the backlog, new arrivals and case mix. Your compliance team decides whether to accept each merchant.
Free to use · No email required · Calculations stay in your browser
Make the assumptions visible
Estimate how fast a merchant backlog can clear
Start with the fictional example or enter your own planning assumptions. Use the Excel download for a multi-row record.
Check the initial worked example
With 120 open files, 12 arrivals per business day and 6 analyst hours, an analyst spending 24 minutes per file can finish 15 files per day. Reviewing 25% of files for 12 minutes each takes 45 minutes per day at that throughput. With two reviewer hours available, analysis limits throughput. The net reduction is three files per day, or 40 business days under these assumptions.
A repeatable method
How to use the worksheet
For payment service providers and acquirers planning absence cover, a temporary peak or a defined backlog.
Download the editable workbookChoose one planning window and group pending files by the work each needs. Keep files awaiting merchant information visible as blocked work.
Enter the new files expected in the same window. Estimate analyst and reviewer minutes for each group using your own sampled files.
Compare demand with available work hours for each role. Reserve time for quality review, rework and absences before setting a completion date.
Illustrative · Not a client result
A second worked example
Suppose 12 files each need 25 analyst minutes. That is five analyst hours. If each also needs ten minutes of review, budget another two reviewer hours. A file waiting for ownership evidence may remain open even when both people have spare capacity.
Keep the decision with its owner
What this tool can establish
The inputs are planning assumptions. The result does not score merchant risk, establish legal requirements, approve a merchant or guarantee backlog clearance. Use aggregate counts and fictional examples. Do not enter identity records.
Check the method
Sources and reuse
The examples and calculations are original Actigy BPO material. These sources explain the underlying workflow.
- Lysis Group: merchant-acquirer onboarding and AML operations
- COREDO: scope of business due diligence
Suggested citation: Actigy BPO, Merchant KYB backlog capacity planner. Link to this page so readers can check the method and download the current version.
Published · Updated
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