3
360 Onboarding
Use cases

Five situations where 360 Onboarding carries the load.

The platform is designed for the full KYB lifecycle — from first contact to periodic review and event-driven reassessment. Below are the five most frequent use cases at Tier-1 banks across the Nordics, EU and UK.

01 — Initial onboarding

KYB onboarding

Business customers are onboarded straight into Bolagsverket, BRREG, Virk, PRH and Companies House. Shelf companies, newly incorporated entities and complex holding structures are handled in the same flow, with automatic document collection and risk classification.

  • Source-driven data collection from official registries
  • Automatic UBO resolution down to the ultimate natural person
  • Maker/checker approval for low- and medium-risk cases
4 minmedian time to decision for low risk
02 — Ongoing KYC

Periodic review

Recurring review of the existing portfolio runs on schedule (12/24/36 months) or whenever the risk profile changes. Only changed data points trigger investigation — the rest is approved automatically against refreshed sources.

  • Diff-based review against the previous review pack
  • Changes in UBO, registered office or activity are clearly flagged
  • Evidence retained with a signed audit trail per cycle
≈85%of reviews can be closed without manual handling
03 — Event-driven

Trigger events

A change in registry data, sanctions lists, adverse media or transaction patterns triggers immediate reclassification. The case is routed to the right queue with full context on what changed and why.

  • Real-time monitoring of official registries and sanctions lists
  • Adverse media via Dow Jones / Refinitiv feed
  • Transaction signals from the bank's AML system
< 1 hfrom trigger to assigned investigator
04 — EDD

High-risk entities

Entities in high-risk jurisdictions, with PEP exposure or complex ownership structures are lifted into Enhanced Due Diligence. 360 Onboarding prepares the evidence — the investigator focuses on judgement, not data collection.

  • Extended screening of board, UBOs and nominees
  • Source-of-funds and business rationale documented in a structured form
  • MLRO approval required before activation
100%of EDD cases reviewed under four-eyes principle
05 — Ownership structure

UBO resolution

Multi-level resolution through holding companies, trusts and nominees down to the ultimate natural person with ≥25% control. Circular ownership and cross-holdings are handled by a deterministic algorithm — no manual diagrams.

  • Nordic registry integration plus EU Business Registers (BRIS) and Companies House
  • Visual ownership graph with percentage control per level
  • Deviations from the customer's own UBO declaration are flagged
7 levelsmedian maximum depth of resolved structure
06 — Vertical · Telco retail

Telco POS via Nets/Nexi

When the customer walks in for an iPhone on a contract, the store needs a credit check, identity verification and fraud detection — in under a minute, on the terminal already sitting on the counter. 360 Onboarding is delivered whitelabel through the Nets/Nexi terminal.

  • Embedded in the acquirer's payment app, no new hardware in store
  • BankID/MitID + credit bureau + SIM swap + cross-store velocity
  • Decision back to the cashier in under 60 seconds
47 smedian time from terminal tap to decision
Read the full vertical

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