On-Board CRM
On-Board CRM — Customer Onboarding & KYC Management
On-Board CRM is the customer onboarding and KYC management module of the Smartex Money platform. It handles the full onboarding journey — from lead capture and document collection to identity verification, PEP screening, sanctions checks, risk scoring, and final approval. Reduce onboarding time from days to minutes while maintaining full regulatory compliance.
Every onboarding step is orchestrated through Flow Modeler, meaning you can customize the journey per customer segment, per jurisdiction, or per product type — without writing code. Integration with external KYC providers (Jumio, Onfido, Sumsub, Veriff) adds document verification, facial recognition, and liveness detection.
Onboarding Workflow
Lead Capture
Multi-channel lead intake — web form, mobile app, API, or manual entry by staff. Lead scoring and routing to the right onboarding workflow based on customer type and product interest.
Document Collection
Secure document upload via web or mobile. Automatic document classification — ID, proof of address, income proof, company registration. OCR extraction of key fields.
Identity Verification
Biometric identity verification via integrated KYC providers. Document authenticity check, facial recognition match, and liveness detection to prevent spoofing.
Sanctions & PEP Check
Real-time screening against OFAC, UN, EU, and local sanctions lists. PEP identification with risk categorization. Adverse media screening across 100,000+ news sources.
Risk Scoring
Adaptive risk scoring based on customer profile, geography, PEP status, transaction expectations, and adverse media findings. Tiered risk levels trigger appropriate due diligence.
Approval & Account Opening
Auto-approve low-risk customers. Manual review for high-risk with approval chain. Account creation in ABS Core, card issuance, and welcome notification — all automated.
KYC & Due Diligence
CDD — Customer Due Diligence
Standard due diligence for low and medium-risk customers. Identity verification, address verification, and basic background check. Automated workflow with minimal manual touchpoints.
EDD — Enhanced Due Diligence
Deep dive investigation for high-risk customers. Source of funds verification, beneficial ownership tracing, and risk committee review. Enhanced documentation requirements.
UBO Identification
Beneficial ownership identification for corporate customers. Ownership chain tracing to ultimate beneficiaries. Threshold-based UBO determination (typically 25% or 10% for high-risk).
Periodic Review
Automated KYC refresh cycles based on risk tier — annual for high, biennial for medium, triennial for low. Change detection triggers ad-hoc reviews. Overdue escalation.
Video KYC
Live video verification with compliance officer for high-risk customers. Session recording, screenshot capture, and document display. Scheduled or on-demand video calls.
Digital Signatures
Legally binding electronic signatures for onboarding documents, agreements, and declarations. Integration with DocuSign, Adobe Sign, and local e-signature providers.
CRM Features
Customer Profiles
360-degree customer view — personal information, documents, accounts, transactions, communication history, and risk profile. Timeline view of all interactions and changes.
Task Management
Task assignment for onboarding team. SLA tracking, deadline reminders, and escalation. Workload balancing across team members. Performance metrics per officer.
Communication Log
Full history of customer communications — emails, calls, chat, and meetings. Automated email templates for common onboarding touchpoints. Multi-language support.
Onboarding Analytics
Conversion funnels from lead to activated customer. Drop-off analysis by stage. Average onboarding time by segment and product. Officer performance dashboards.
Integration with Smartex Platform
ABS Core
Automatic account creation upon approval. Customer data synced to ABS Core for transaction processing. Account numbers, card details, and service configurations set up automatically.
Compliance Guard
Continuous monitoring post-onboarding. Sanctions list updates trigger re-screening. Transaction behavior compared against onboarding profile for anomaly detection.
Flow Modeler
All onboarding steps orchestrated as workflows. Custom journeys per customer segment. Conditional logic for product-specific requirements. No-code configuration.
Onboard customers faster, stay compliant
On-Board CRM reduces onboarding time from days to minutes while maintaining full regulatory compliance. Schedule a demo to see your onboarding journey optimized.
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