SmartPacks: SmartOnboard

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Introduction

SmartOnboard is a package which streamlines the customer onboarding process by automating compliance checks and risk assessments. SmartOnboard reduces manual verification time while enhancing due diligence accuracy, helping you onboard customers faster and more confidently.

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How SmartOnboard Works

The onboarding process follows four structured stages designed to build a complete risk profile:

1. KYB Screening - Automated company risk assessment and flag review

2. Basic People Check - Core verification of company directors and key personnel

3. Enhanced People Check - Enhanced identity verification and comprehensive background screening

4. Review - Final assessment, decision-making, and process completion

Each stage builds upon the previous one, ensuring thorough due diligence while maintaining an efficient workflow.

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KYB Screening

To begin, navigate to the tab at the top of the page upon logging in labelled ‘Onboarding’.



Here we can create a new onboarding process for any company by pressing the ‘Onboard New Company’ button located on the right of the page.



 This will then take us to a search bar where you can put in the company name or Companies House ID for the desired company to be onboarded, once this company has been found, select the ‘Onboard company’ button to the left of the company name.



After selecting our company for the onboarding process, this will take us to the first of the four stages to onboarding a company – KYB Screening. 

Here you can review risk flags, add commentary and action the flags. 



By using the 'Continue' button you will be directed to the next stage of onboarding which is Basic People Check.

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Basic People Check

In the Basic People Check stage you will be able to run the AML checks against the officers associated with the company.

The service used for the AML checks is Watchlist 006.

To retrieve the list of officers, please use the Continue button.



On the page, you will be able to select the officers you wish to perform the AML check against.



After the check is performed, you can view the results.

If an officer triggered a match during the AML check, a tooltip will display next to their name.

To move to the Enhanced People Check part of the journey, use the Continue button in the bottom right corner of the page.



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Enhanced People Check

This stage will allow you to perform the last three checks against officers required to complete the Onboarding process.

The checks involved in this stage are:

• Email Validate - the service used is Emailage
• DVFC - the service used is DVFC 047 (Automatic Document Verification)
• KYC - the service used is EKYC_UK_005

On the page bellow you will be prompted to add the email address of the officers you wish to run the Email Validate check against.

After you input the email addresses for the selected officers, please use the Run Checks button:



After the Email Validate checks are completed you will be able to view the result for each officer:



The next step is the DVFC and KYC checks.

This step will involve a multi step process that has to be completed by the officers on their end.

The process will not be visible in the Onboarding screen as it is performed through an external link sent to the officers via email.

Process (Officers Perspective)

The officers will receive the link to this step in an email as per the example bellow:



Once the link is actioned by the officer, they will have 24 hours to complete the checks before the link expires.

1. Welcome

The first page that the officers will view after they use the link contains the T&C associated with the services as the KYC check will leave a Soft Credit Footprint:



After the officer confirms their consent in performing these checks, they will use the Continue button to move to the next step.



2. Details Name and Date Of Birth

The next page will require the officer to input their Full Name and Date Of Birth required for the KYC check.

After the data is submitted, they will use the Continue button to move to the next step:



3. Details Address

The next page will open the address form, where the officers will have to either search for their address or manually input the values required for the fields.

After the address is submitted, the officer will use the Continue button to move to the next step:



4. Confirm Your Details

This page will require the officers to review and confirm the details submitted in the previous steps.

They will have the chance to change any Name, Address and Date Of Birth information they have previously submitted by using the Back button.

After the review is complete, the officers will move to the the ID check part or the process.

5. ID Checks

This step will be performing the DVFC check first which requires the officers to either scan the QR Code or use the link for the desktop version.

Either option will take the officers to our supplier portal where they will complete the DVFC check.



This link will also have a 24 hour expiry date.

After the DVFC check is complete, the KYC_UK_005 service will run a check based on the Name, Date Of Birth and Address information provided at step 2 and 3.

After the check is complete, the officers will use the Continue button bellow to move to the next step:



6. Complete

The officer is now at the last page where they will be able to finish the Enhanced People Check stage.

The card with the information seen by the officer in this page is customisable as you can request at the contract start what information would you like to use here.

The officer will now use the Finish button which will end the Enhanced People Check stage part of the Onboarding Journey:



Customer View (User Perspective):

While the officer is using the link, the Onboarding view on your end will look like this:


You cannot continue from this step until all the officers complete the checks.

Once the officers complete the checks, your view will change to this:


After you use the Continue button you will move to the Review stage of the Onboarding Journey.

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Review

The last stage of the Onboarding journey will allow you to review the results of the previous stages and make a decision regarding your customer.

This action can be performed by using Make Decision button.

You will have the option to leave a note regarding your decision and select if you wish to Approve or Reject the company.



Following your decision, the Onboarding Journey is now complete and can be exported via Export button in the top left side of the page.