Digital account opening (KYC)
ID, liveness and sanctions checks in one flow; clean applications open an account in minutes, no branch visit.
Digital account opening (KYC) is an agent scenario in the Banking sector running on the app, web channels. Trigger: "Open an account" application with document upload in the app. The Onboarding Supervisor coordinates 4 specialist agents (Document Agent, Liveness Agent, Screening Agent, Account Agent) across 5 systems (KYC / Customer 360, Sanctions Screening (Dow Jones), Core Banking, Document Store (S3), SMS Gateway); of 10 steps, 2 write to systems and 2 are checks or approvals. Outcome: Customer and account created, documents archived, risk tier and decision trail stored. Approval rule: Sanctions/PEP fuzzy match score > 0.65 → compliance analyst approval.
Digital account opening (KYC)
- Application received: ID front/back and selfie video uploaded
- ID number and MRZ read, field consistency 99.2%, no tampering detected
- Plan: liveness → sanctions → risk tier → account opening
- Liveness score 0.97, face match 96% → passed
- Sanctions, PEP and adverse media screened: 1 fuzzy name match (0.71)
- No duplicate in Customer 360; risk tier low, expected monthly volume 40,000
- Match > 0.65 → compliance analyst reviewed, closed as false positive
- Customer created and current account opened: TR33 0006 …4471
- Documents and decision trail archived with a 10-year retention tag
- Welcome SMS with IBAN sent
- ■completed
Simulation · derived from real agent definitions · every agent can be built by dialogue with the Autonomous Agent and validated with a test corpus
"Open an account" application with document upload in the app
Customer and account created, documents archived, risk tier and decision trail stored
Agents
Onboarding Supervisor
Decomposes the objective, delegates to agents, manages approval points, merges the result.
Document Agent
Reads the ID document, checks field consistency and tampering
extract_id_fieldscheck_mrzdetect_tamperingLiveness Agent
Assesses liveness and face match on the selfie video
run_liveness_checkmatch_faceScreening Agent
Screens sanctions, PEP and adverse media, assigns a risk tier
screen_sanctionsscreen_pepadverse_media_searchcheck_duplicate_customerassign_risk_tierAccount Agent
Creates the customer and opens the account in core banking
create_customeropen_accountarchive_documentssend_smsSteps
| # | Kind | Agent | What happens | System | ms | tok |
|---|---|---|---|---|---|---|
| 01 | ingest | Onboarding Supervisor | Application received: ID front/back and selfie video uploaded | — | 220 | — |
| 02 | reason | Document Agent | ID number and MRZ read, field consistency 99.2%, no tampering detected | — | 920 | 1,300 |
| 03 | plan | Onboarding Supervisor | Plan: liveness → sanctions → risk tier → account opening | — | 300 | 210 |
| 04 | verify | Liveness Agent | Liveness score 0.97, face match 96% → passed | — | 860 | 640 |
| 05 | tool | Screening Agent | Sanctions, PEP and adverse media screened: 1 fuzzy name match (0.71) | Sanctions Screening (Dow Jones) | 540 | — |
| 06 | tool | Screening Agent | No duplicate in Customer 360; risk tier low, expected monthly volume 40,000 | KYC / Customer 360 | 610 | — |
| 07 | approval | Onboarding Supervisor | Match > 0.65 → compliance analyst reviewed, closed as false positive | — | 3,200 | — |
| 08 | write | Account Agent | Customer created and current account opened: TR33 0006 …4471 | Core Banking | 560 | — |
| 09 | write | Account Agent | Documents and decision trail archived with a 10-year retention tag | Document Store (S3) | 340 | — |
| 10 | notify | Account Agent | Welcome SMS with IBAN sent | SMS Gateway | 240 | — |
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