Threshold
AI-orchestrated customer onboarding — document collection, identity & CDD verification, sanctions and PEP screening, risk scoring, and compliance sign-off in a single audited workflow.
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Threshold · Agent Mesh
Application Intake
Customer submits from web, mobile, or API. Intake agent collects documents and validates the checklist.
Technical Design
Parallelized onboarding pipeline where intake, verification, and screening agents execute in parallel against shared customer data, converging on a single risk-scored decision file for compliance sign-off.
System Components
Intake Service
Document ingestion, OCR, and checklist validation
Verification Engine
ID and corporate registry verification with liveness
Screening Gateway
Multi-watchlist sanctions and PEP screening
Risk Service
Explainable risk scoring and segmentation
Decision Layer
Auto-approval routing and analyst queue
Audit Store
Immutable decision and document log
Data Flow
Technology Choice
Azure AI Foundry + LangChain
Azure provides the document intelligence, search, and hosting foundations needed for regulated onboarding, while LangChain orchestrates the parallel agent workflow with an immutable audit trail. Full compliance alignment for CBUAE, DFSA, and ADGM expectations.
Alternatives Considered
AWS Bedrock + LlamaIndex, Google Vertex AI + AutoGen
Core Frameworks
Azure AI Foundry
LLM hosting and compliance-aligned processing
Azure AI Document Intelligence
ID and corporate document extraction
LangChain
Multi-agent orchestration and decision routing
FastAPI
Onboarding API for web, mobile, and partner systems
Implementation Plan
Document Pipeline
- OCR intake
- Checklist engine
- Data normalization
Screening & Verification
- Watchlist integration
- ID verification
- UBO mapping
Risk & Decisioning
- Risk model
- Routing logic
- Analyst queue
Compliance & Launch
- Sign-off workflow
- Audit archive
- Regulator export
Key Milestones
Risk Mitigation
Key Features
Document Collection
Automated intake and validation of ID documents, proof of address, incorporation papers, shareholding structures, and source-of-funds documentation across 60+ document types.
Identity & CDD Verification
Verify individuals and corporate structures — directors, UBOs, and signatories — against government databases and corporate registries with liveness and anti-forgery checks.
Sanctions & PEP Screening
Real-time screening against OFAC, EU, UN, and local watchlists with name-matching, fuzzy matching, and false-positive reduction that cuts review noise.
Risk Scoring & Segmentation
Model-driven risk segmentation per customer profile, jurisdiction, product, and transaction type — routing routine cases to auto-approve and complex cases to analysts.
Compliance Sign-off
Structured review queue where compliance officers approve, condition, or escalate with a complete decision log and EDD questionnaire support.
Audit Trail & Reporting
Immutable record of every document, decision, and data point — exportable to regulators and internal audit with full remediation visibility.
How It Works
Application Intake
Customer submits from web, mobile, or API. Intake agent collects documents and validates the checklist.
Identity & CDD Verification
Individuals and corporate structures verified against registries and ID databases.
Sanctions & PEP Screening
Real-time screening across all watchlists with false-positive reduction.
Adverse Media Scan
Automated scan of news and adverse media for entity and its principals.
Risk Scoring
Transparent risk score computed from profile, jurisdiction, and product factors.
Decision Routing
Routine cases auto-approve; complex cases route to compliance officers with full context.
Compliance Sign-off
Officer reviews the packaged case file, adds conditions, and signs off in minutes.
Onboarding & Monitoring
Customer activated and moved into ongoing transaction monitoring with full audit trail.
Multi-Agent Architecture
Intake Agent
Collects and pre-validates onboarding documents against your internal checklist.
- Document OCR
- Completeness check
- Format normalization
- Duplicate detection
- Priority routing
Due Diligence Agent
Builds the customer risk profile — entity structure, UBO chain, jurisdiction, and business purpose.
- Corporate structure mapping
- UBO identification
- Jurisdiction risk
- Business purpose analysis
- EDD triggers
Screening Agent
Screens against sanctions, PEP, and adverse media databases with deduplication.
- Sanctions watchlists
- PEP databases
- Adverse media
- Fuzzy matching
- False-positive filtering
Risk Agent
Computes a transparent risk score and routes the case to the right decision path.
- Risk computation
- Threshold logic
- Segmentation
- Auto-approval routing
- Model explainability
Compliance Officer Agent
Packages the complete case file and sign-off recommendation for review.
- Case file assembly
- Decision log
- Condition generation
- EDD questionnaire
- Escalation routing
Use Cases
Corporate Account Opening
Onboard corporate clients end-to-end — structure, UBOs, source of funds — in a fraction of the manual effort.
Fintech Partner Onboarding
Rapidly onboard fintech and payment partners while staying audit-ready for FMWS and program managers.
High-Net-Worth Onboarding
Handle HNW and cross-border clients with automatic EDD trigger where exposure is higher.
Merchant & Vendor Onboarding
Standardize merchant and vendor risk assessment with clear, consistent screening and sign-off.
Cross-Border Entities
Screen complex multi-jurisdiction structures with jurisdiction-aware risk logic and sanctions coverage.
Regulator Audit Response
Produce complete, exportable audit trails on demand instead of weeks of manual evidence gathering.