Offshore Digital Bank — AI Onboarding + VIP Manager
KYC / AML automation for a Class A license
Offshore digital bank, Caribbean, Class A banking license
Problem
11 of 19 KYC scoring questions were being answered by hand. Seven HIGH-priority compliance alerts had been open for three weeks. Onboarding time was bleeding out, and relationship managers had no tool to prep VIP interactions.
Solution
Built a Scoring Engine on Claude for the 19-question onboarding model, an Alert Triage classifier that separates false_positive / needs_review / probable_match, document OCR, and an EDD Narrative generator. On top: a VIP Manager assistant with real-time prompts, meeting prep, follow-up automation and a regulatory knowledge base.
Impact
MVP processing real client data, scoped and signed.
- Alert triage: 7 backlog alerts cleared in under a minute — vs three weeks of manual work
- Scoring engine: 71% agreement with the bank on an 8-application test set
- Five P0 compliance gaps closed (MFA, DPA jurisdiction, Certification)
- LLM operating cost held between $50 and $260 per month
Stack
Client details are anonymised where disclosure was not authorised. Metrics are either directly measured or clearly marked as targets in the project log.
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