AML risk review and EDD workflows
Route exceptions and higher-risk cases to people with the evidence attached.
Swootle connects missing or inconsistent evidence, provider-returned screening context, configured risk factors, enhanced due diligence, reviewer tasks, approval and rationale in one controlled case path for regulated operations.
Implementation boundary: Swootle orchestrates the configured review process and stores returned workflow context. External providers perform their respective checks; your firm defines the risk model, evidence requirements, reviewer authority and final decision. Swootle does not guarantee that a returned check is conclusive and does not provide legal advice.
How the workflow fits together
Assemble the review context
Bring the customer, evidence, checks and configured risk path together
Give the reviewer one case context containing the submitted individual or entity information, ownership relationships, supplied documents, provider-returned results and the configured factors that caused the review step.
- Customer, entity and connected-party information
- Evidence and provider-returned check context
- Configured risk factors and route into review
Resolve missing evidence
Turn incomplete or inconsistent submissions into an explicit next action
Route gaps and discrepancies to the responsible person, request the specific information needed from the customer, and retain the response with the case rather than managing the exception through an email thread.
- Named ownership and exception queues
- Structured request-more-information loops
- A visible blocker and next review action
Review returned checks
Treat screening and verification results as inputs, not final decisions
Keep returned identity, KYC, KYB, sanctions, PEP or adverse-media context from separately confirmed providers attached to the workflow. Route uncertain or relevant results for trained review instead of assuming an automated pass or fail is conclusive.
- Provider result and supporting context together
- Configured follow-up for possible matches or uncertainty
- Human assessment before the authorised outcome
Enhanced due diligence
Collect the additional evidence required by the higher-risk path
Configure enhanced review steps for the firm’s documented operating model, including source-of-wealth or source-of-funds information, corroboration, senior review or other evidence where the applicable case and policy require it.
- Risk-sensitive evidence requirements
- Source evidence and discrepancy follow-up
- Escalation to the authorised reviewer
Decision and approval
Retain who decided, what they considered and why the case moved forward
Support approval, return and escalation paths that match the firm’s authority model. Keep the evidence, reviewer action and rationale connected so operations, compliance and audit teams can understand the recorded outcome.
- Reviewer and approver responsibilities
- Recorded outcome and decision rationale
- Submission, follow-up and action history
Refresh the decision
Carry the review record into remediation and recurring KYC work
Use the earlier evidence and rationale as the starting context for a configured remediation, periodic review or event-led refresh. Ask what changed, route new exceptions and record the next authorised decision without reconstructing the file from scratch.
- Earlier evidence and rationale retained for comparison
- Changed customer, entity, service or risk context
- A new review outcome and next action
Evaluate the operating model
Review a representative exception · Explore regulated onboarding