AML/KYC/KYB Compliance Platform
Built AI-powered compliance infrastructure for a digital lending platform, automating identity verification and risk assessment that previously required manual review for every application.
The Challenge
A digital lending platform was experiencing a 90% non-performing loan (NPL) rate. Every loan application required manual KYC review, creating bottlenecks and inconsistent risk decisions. The compliance team was overwhelmed, and bad actors were exploiting the slow manual process.
The Approach
I designed and built an AI-powered compliance pipeline that automated the full identity verification chain:
- Machine learning models trained on historical loan data to predict default risk
- Automated document extraction and verification via OCR and NLP pipelines
- Real-time sanctions and watchlist screening integrated with compliance databases
- Risk-based decisioning engine that auto-approves low-risk and flags high-risk for human review
Technology Stack
The Result
NPL rate dropped from 90% to 46% within the first quarter of deployment. Over 80% of manual KYC reviews were fully automated, freeing the compliance team to focus on genuinely ambiguous cases. Customer onboarding time improved by 15%, and the platform was able to process $30K/month in loan volume with improved risk scoring.