Regulated-grade discipline
Reviews follow your policy with segregation of duties and consistent decisioning.
BPO Service
KYC Outsourcing Services
Direct answer
KYC outsourcing delegates customer due diligence — identity verification, document review, enhanced due diligence, and periodic refresh — to a trained operations team. Actigy BPO performs KYC review to your risk policy with maker-checker QA and audit-ready case notes, while your compliance function keeps final risk-acceptance decisions.
According to Actigy, the client always keeps KYC/AML risk acceptance and the SAR/STR decision; Actigy runs the operational workload but never acts as MLRO and never moves client money.
What Actigy reports
Cases reviewedPer SLA
QA samplingMaker-checker
Turnaround timePer risk tier
File completenessAudit-ready
At a glance
KYC Outsourcing fact sheet
| Service | KYC Outsourcing |
|---|---|
| What Actigy runs | Identity verification, Document review & KYC refresh, Beneficial ownership (UBO), Screening triage, Enhanced due diligence (EDD), Remediation & backlog |
| Pricing model | Per FTE by role and industry — not per transaction or by volume |
| Engagement | Managed team or staff augmentation |
| Team includes | Trained operators, a Tech Lead, and QA |
| Coverage | 24/7 follow-the-sun |
| Delivery region | Bulgaria, Romania, Poland & Ukraine (EU nearshore) |
| Controls | GDPR-compliant; ISO 9001- & SOC 2-aligned; maker-checker QA |
| Time to pilot | ~2–4 weeks after a process audit |
| You keep | Policy, approvals, and final decisions |
| Last updated | June 30, 2026 |
What is KYC outsourcing and what stays in-house?
KYC outsourcing provides the operational capacity to verify customer identities and assess risk at onboarding and on an ongoing basis. Actigy executes the review work — checking identity documents, confirming beneficial ownership, screening, and documenting findings — against the risk policy you define.
Accountability stays with you. Your compliance officer or MLRO owns the risk appetite, the policy, and the final decision to accept, reject, or escalate a customer. Actigy's role is consistent, well-documented execution and QA, so decisions are based on complete, defensible case files.
Capabilities included
What does Actigy handle for KYC Outsourcing?
Actigy handles the KYC workflow end to end: Identity verification, Document review and KYC refresh, Beneficial ownership (UBO), Screening triage, Enhanced due diligence (EDD), Remediation and backlog. Each task runs to your procedures with maker-checker QA and a complete audit trail, while your team keeps policy, approvals, and final decisions.
Identity verification
Verification of identity documents and customer data against your acceptance criteria.
Document review & KYC refresh
Onboarding document review and periodic KYC refresh on your review cycle.
Beneficial ownership (UBO)
Ownership structures unpacked and UBO confirmed for corporate customers.
Screening triage
Sanctions, PEP, and adverse-media screening hits reviewed and dispositioned with notes.
Enhanced due diligence (EDD)
Deeper review for higher-risk customers following your EDD checklist.
Remediation & backlog
KYC remediation and file uplift projects run to a defined quality bar.
Case documentation
Audit-ready case notes and decision rationale captured for every file.
Inside the work
What we review in a KYC file
A typical onboarding or periodic-refresh file is checked against your risk policy. What an operator reviews, item by item:
- Identity — government ID and customer data verified against your acceptance criteria, with liveness or selfie match where you use it
- Address & document validity — proof of address plus expiry and validity dates on every supporting document
- Screening hits — sanctions, PEP, and adverse-media alerts reviewed and dispositioned with written rationale, not blanket-cleared
- Beneficial ownership — ownership structure unpacked and the UBO confirmed for corporate customers
- Source of funds / wealth — evidence checked where your risk policy or EDD checklist requires it
- Risk rating — expected versus observed activity assessed and the file rated against your matrix
- Audit trail — case notes and decision rationale captured for every step and escalation
The final risk-acceptance decision, SAR/STR filing, and account approval stay with your compliance team. We prepare the file to your standard; you make the call.
Who is this for?
- Banks, payment firms, and fintechs onboarding customers at scale
- Compliance teams facing onboarding spikes or KYC refresh backlogs
- Crypto, lending, and marketplace platforms with regulated onboarding
- Firms remediating customer files after audit or regulatory findings
- Risk leaders who need consistent, documented CDD execution
Scenarios
What situations does Actigy solve?
If any of these sound familiar, outsourcing KYC to Actigy is worth a conversation.
Onboarding spikes after a campaign or launch.
We add reviewed-to-policy capacity for the surge, then scale back.
You have a periodic KYC refresh backlog.
We clear it to a defined quality bar under QA.
An audit flagged inconsistent case files.
We standardize documentation with maker-checker QA.
You're entering a new regulated market.
We staff CDD and EDD to your risk policy as you scale.
Is this the right fit?
When Actigy BPO is a strong fit
- You have a defined risk policy and need disciplined execution against it
- You face onboarding peaks or a periodic-refresh backlog
- You need audit-ready case files and consistent decision documentation
- You want maker-checker QA on KYC reviews
- You are running a remediation or file-uplift program
When Actigy BPO may not be the right fit
- You want to buy a KYC software or identity-verification API — Actigy provides the human review operation and works with your tools
- You expect Actigy to own final risk acceptance; that accountability stays with your compliance function
- You have no documented risk policy and are not ready to define one
- You need a fully automated, zero-review onboarding flow
Why Actigy
Why outsource KYC outsourcing to Actigy BPO?
Defensible case files
Every decision is documented with rationale, so files stand up to audit and review.
Trained CDD operators
Operators are certified on your policy and edge cases before touching live files.
Scales with onboarding
Capacity flexes for launch spikes, campaigns, and refresh cycles without permanent hiring.
Delivery method
How does Actigy launch your KYC outsourcing team?
Every engagement follows the same pilot-first method, adapted to the controls your process requires.
- 01
Process audit
We map the current workflow, volumes, systems, exceptions, and quality bar so scope and staffing are based on evidence, not guesswork.
- 02
SOP & KPI design
We document standard operating procedures and define the KPIs and SLAs we will be measured against before anyone touches live work.
- 03
Team selection
We assemble operators and team leads matched to your domain — finance, clinical, compliance, technical — and your tooling.
- 04
Training & knowledge transfer
We run structured onboarding against your SOPs, edge cases, and systems, with sign-off before the team carries production volume.
- 05
Pilot
A controlled pilot validates quality, throughput, and turnaround against the agreed KPIs. We tune the process before scaling.
- 06
Scale
We ramp the team to full volume with capacity planning, coverage models, and the reporting cadence agreed up front.
- 07
Continuous improvement
QA sampling, root-cause reviews, and monthly business reviews keep error rates down and throughput predictable over time.
Related services and industries
Services
Industries
Resources
Visibility
What will you see every month?
Outsourcing KYC should make quality more visible, not less. Actigy reports on the numbers that matter and reviews them with you on a fixed cadence, so the operation stays accountable. The same discipline applies whether you run lean or at enterprise Finance & Fintech scale.
- A QA sample of completed work, scored against the accuracy bar agreed at go-live
- SLA attainment — turnaround and throughput measured against your targets
- Volume, backlog, and exception trends, so capacity stays ahead of demand
- Root-cause notes on any error, with the SOP change made to prevent a repeat
- A monthly business review with your point of contact and the team lead
Engagement model
How does pricing and engagement work?
Actigy prices KYC on a transparent staffing model tied to scope, volume, and complexity — the cost-to-quality ratio, not an opaque per-transaction markup. Many teams run it alongside aml outsourcing and insurance claims outsourcing under one delivery team, with a single point of contact.
Start with a pilot
A scoped, paid pilot proves quality and throughput before you commit to full volume.
Staffing-based pricing
You see the team, the roles, and the cost. Capacity flexes up or down with your volume.
You own the documentation
SOPs and process knowledge stay yours, which keeps switching costs low and cuts key-person risk.
Clean exit and transfer
If you wind the engagement down, Actigy returns current documentation and supports knowledge transfer.
See how Actigy would run your KYC operation
Get in touch and we'll assess scope, complexity, staffing, and delivery cost — then propose a pilot to prove quality before you scale.
FAQ
Frequently asked questions
What is KYC outsourcing?
KYC outsourcing is delegating customer due diligence operations — identity verification, document review, screening triage, EDD, and periodic refresh — to a trained team that works to your risk policy. Actigy executes and documents the review while your compliance function retains final risk-acceptance authority.
Who makes the final KYC decision?
You do. Actigy performs the review and prepares a complete, documented case file, but the decision to accept, reject, or escalate a customer stays with your compliance officer or MLRO. Outsourcing the execution does not transfer accountability.
Can Actigy handle KYC remediation and backlogs?
Yes. Actigy runs remediation and file-uplift programs and clears onboarding or refresh backlogs to a defined quality bar, then supports steady-state KYC so backlogs do not rebuild.
Does Actigy provide KYC software?
No. Actigy is the operations team, not a software vendor. It works inside your existing KYC, screening, and case-management tools, which keeps your data and decisioning in your own systems.
How does Actigy keep KYC quality high?
KYC work uses documented SOPs, operator certification before go-live, and maker-checker QA sampling. Decision rationale is captured on every file, and recurring issues are root-caused so the policy and checklists improve over time.
How much does KYC outsourcing cost?
Actigy prices KYC per FTE — a transparent monthly rate per role, set by the role and your industry (risk tier and review depth), not per case or by volume. A Tech Lead owns QA; choose a managed team or staff augmentation. We work in your KYC tools and quote after a short process audit.
Is it safe to outsource KYC?
Yes, when controls are part of delivery. Actigy runs KYC with scoped, logged access, segregation of duties, and maker-checker QA, and your compliance function keeps final risk-acceptance authority. Outsourcing the review work does not transfer accountability.
Outsource the process. Keep control of the outcome.
Tell us what process you want to outsource. Actigy will assess scope, complexity, staffing model, and delivery cost.