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Financial Services · Execution autonomy
Client Onboarding
An agent that orchestrates onboarding: collecting documents, running checks, and progressing the case, pausing for human approval at decision gates.
30 HAL Score / 40 Governed
Workflow
- 1 New client initiates onboarding
- 2 Agent requests and validates required documents
- 3 Agent runs KYC/AML checks via integrations
- 4 Agent assembles the case for approval
- 5 Compliance approves before account activation
Governance design
- ✓Authority to progress steps, not to approve onboarding.
- ✓Hard limit: account activation is a human-only gate.
- ✓Every check result and document retained immutably.
- ✓Limits on data access scoped to the active case.
Escalation paths
- ↗Adverse KYC/AML result → compliance officer, case paused.
- ↗Missing or inconsistent documents → human caseworker.
- ↗PEP or sanctions hit → mandatory senior review.
Ownership model
Head of Onboarding, with the MLRO as accountable for the checks.
Lessons learned
- Making activation a human-only gate kept the regulatory decision firmly with a person.
- Scoping data access to the active case limited the blast radius of any error.