KYC AGENT · PRIVATE-BANKING ONBOARDING
Client documents in. A checked case file out. A person decides.
The agent prepares a Source-of-Wealth case for a compliance reviewer: it links every fact to the line it came from, flags what’s missing and drafts the wealth story. It never approves a client.
A fictional Hong Kong entrepreneur · 6 specimen documents · about 2 minutes
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01 · IN
Client documents
ID, company registry, sale agreement, bank statements, tax letter
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02 · AGENT
Reads, links, checks
Every fact tied to its source. Gaps and risks flagged. Narrative drafted.
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03 · OUT
Review-ready case file
Facts, wealth story, questions for the client, audit trail
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04 · HUMAN
A reviewer decides
Approve, request more information or escalate — always with a reason
SAMPLE CASE · FICTIONAL CLIENT
KYC-2026-0417 Tse Wing Kei, Marcus
WHERE THE AGENT STOPS
It does the middle work. People keep the judgement.
The agent does
- Reads approved documents and pulls out the facts
- Links every fact to the exact passage it came from
- Cross-checks amounts and dates; finds what’s missing
- Drafts the wealth narrative and questions for the client
- Records every step in an audit trail
The agent does not
- Approve, reject or escalate a client
- Set the client’s risk rating
- Run live sanctions or PEP screening — that stays with your approved provider
- Replace your bank’s system of record