KYC onboarding pipeline
A regulated-grade identity flow — document scan, liveness, AML — that gets compliant customers in under two minutes and rejects fraud before it costs you.
Most fintech KYC flows are stitched together from three vendors over a year. Half the customers drop off, half the fraud sails through, and audit time is a fire drill.
- 01
Designed a single state machine — `submitted → ocr → liveness → aml → reviewer → approved/rejected` — with explicit timeouts and observability on every step.
- 02
Built a pluggable verifier layer so a vendor swap (Onfido ↔ Persona ↔ Sumsub) is a config change, not a migration.
- 03
Implemented a manual reviewer console for the edge cases — clear queue, full evidence, single-click decision with audit log.
- 04
Wired AML screening with sanctions and PEP lists, refreshing daily and re-screening on watchlist updates.
- 05
Designed the customer-facing UI to fail kindly: when the photo fails liveness, tell them exactly what to do next, not 'verification failed'.
“KYC is the difference between a fintech that scales and one that becomes the audit team's full-time job.”
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Sub-2-minute approval for the happy path.
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Drop-off cut in half versus stitched-vendor flows.
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Fraud caught earlier through liveness + AML chained, not bolted on.
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Audit becomes a query, not a fire drill.
Rider-side delivery app
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