Financial Services
One operating system for the whole financial-crime and compliance programme
Financial-services firms carry some of the heaviest compliance obligations of any sector — AML and counter-terrorist-financing, sanctions, customer due diligence, conduct, data protection and prudential expectations — usually spread across a patchwork of tools, spreadsheets and shared inboxes. OnyxOne brings screening, due diligence, monitoring, cases, risk, controls and reporting onto one platform, so the whole programme is defensible by design rather than reconstructed at examination time.
How OnyxOne fits your operation
Your compliance, risk, audit and legal teams work in OnyxOne, which centralises risk, controls, policy, obligations, cases and evidence, and connects to the systems, screening and data providers your deployment requires.
The pressures this sector carries
The compliance and regulatory realities that shape how firms in this sector operate. Described generically — your obligations depend on your jurisdiction, licence and activities.
How accountability is structured in a regulated financial institution — the model the platform is built to support.
AML / CFT is the baseline expectation
Firms are generally expected to identify and verify their customers, understand the purpose of relationships, screen against sanctions and politically-exposed-person lists, monitor activity on a risk-sensitive basis and report suspicion. The specific obligations depend on your jurisdiction, licence and activities — the platform is built to support this shape of programme rather than to guarantee any named regime.
Sanctions demand real-time discipline
Sanctions regimes change quickly and expose firms to strict-liability risk. Supervisors look for screening that runs at onboarding and continuously, with defensible match handling and a record of every decision. OnyxOne provides the workflow; the sanctions lists and data sources are contracted and configured per deployment.
Conduct and consumer outcomes are under scrutiny
Beyond financial crime, firms face conduct, fair-treatment and consumer-outcome expectations that require documented policies, controls and evidence. A governance and controls backbone that ties policy to control to evidence is increasingly what supervisors want to see.
Data protection runs alongside everything
Handling customer identity, screening and case data brings data-protection obligations — lawful basis, minimisation, retention limits and subject rights. Compliance tooling has to respect those constraints, not work against them, with configurable residency and retention.
What makes this hard today
The operational realities compliance and risk teams in this sector wrestle with.
A programme stitched from disconnected tools
Screening runs in one system, due diligence in another, monitoring in a third and cases in an inbox. Analysts move data by hand, context is lost at every hop, and no single record shows a customer's full compliance history.
Alert volumes overwhelm the team
Poorly-tuned screening and monitoring generate noise. Analysts spend their days clearing false positives while genuinely risky activity waits in the same queue, and there is no reliable way to show consistent handling.
Inconsistent, undocumented risk decisions
Customer risk is rated differently by different analysts, rationale is not captured, and re-rating on trigger events is manual and easily missed — so answers to examiner questions have to be reconstructed from memory and email.
Reporting assembled under deadline pressure
Suspicious-activity reports and regulatory returns are pulled together by hand from multiple systems, slowly and error-prone — exactly where supervisors focus scrutiny.
Audit evidence rebuilt after the fact
Because decisions live across tools and inboxes, examination preparation becomes a scramble to reconstruct the story rather than retrieval from a single, timestamped trail.
How OnyxOne serves the sector
One connected compliance workflow
Onboarding, screening, due diligence, risk rating, monitoring, cases and reporting run on a single platform, all writing to the same customer record. Analysts and examiners see one complete history instead of chasing it across systems.
Screening tuned to your risk appetite
Sanctions, PEP and adverse-media screening runs at onboarding and continuously, with match logic, fuzzy-name handling and thresholds you configure to control false positives. Data sources are contracted per deployment, not fixed to one named provider.
A documented, policy-driven risk model
Customer risk is scored against your own methodology — factors, weightings and thresholds you define — with every rating and trigger-based re-rating captured automatically, so the rationale is always on the record.
Structured cases and four-eyes review
Alerts route into a consistent workflow with ownership, SLAs, dispositions and maker-checker review. Every disposition is recorded with its reasoning, and material decisions require segregation of duties.
Reporting from the same live record
Regulatory returns and suspicious-activity content are assembled from the live customer and case record with review and sign-off, reducing manual effort and the risk of error under pressure.
Defensible by design
Every screening result, rating, disposition, override and report is written to an immutable audit trail — so audit and examination preparation is retrieval, not reconstruction.
The end-to-end workflow
A defined, sector-specific process with clear ownership at every stage.
Every result, decision and override is captured against the record it belongs to.
Onboard & screen
Customers and entities are onboarded with KYC/KYB data and screened against sanctions, PEP and adverse-media sources, with every match captured against the record.
Risk-rate
Each customer is scored against your risk-rating methodology, and the factors behind the rating are recorded so the decision is defensible.
Monitor continuously
Customers and entities are re-screened and monitored for events and behavioural change, surfacing shifts in risk after onboarding.
Triage alerts
Screening and monitoring alerts enter a prioritised queue where analysts clear, escalate or convert them, each disposition recorded with reasoning.
Investigate & decide
Alerts that warrant it become structured investigations with evidence, entity links and four-eyes review before a documented decision is reached.
Report & preserve
Where required, suspicious-activity reports and regulatory returns are assembled, reviewed, signed off and preserved with a full audit trail.
How teams in this sector use OnyxOne
Consolidating a fragmented stack
Replace a scatter of point tools and spreadsheets with one platform where screening, due diligence, monitoring and cases all write to the same record — the single biggest source of lost context removed.
Preparing for a supervisory examination
Give examiners a single, timestamped trail of how each decision was made, instead of assembling a defence from email threads and exports after the request lands.
Tuning down false positives
Adjust match logic and monitoring rules against your risk appetite, and feed dispositions back into prioritisation, so analysts spend their time on genuine risk.
Standardising risk rating across analysts
Enforce one documented risk-rating methodology so the same customer is scored the same way regardless of who handles it, with trigger-based re-rating built in.
Modules that matter most here
The parts of the OnyxOne platform this sector leans on most. Turn on what you need and add more as your programme scales.
Works with your existing systems
Described as capabilities — OnyxOne connects to the systems your deployment requires, configured per implementation.
- Connects to the sanctions, PEP and adverse-media data providers contracted for your deployment
- Ingests customer and account data from your existing systems of record to screen and monitor the right records
- Integrates with your existing identity-verification and KYC/KYB data services
- Exports return and suspicious-activity content in the formats your submission channels require
- Routes alerts, escalations and approvals through your existing email and messaging tools
Security & reporting
Security & data handling
- Customer records, screening results and case data are encrypted in transit and at rest.
- Access is role-based, and segregation of duties prevents the same person from both raising and signing off a decision where policy forbids it.
- Every screening result, rating, disposition, override and report is written to an append-only audit trail.
- Sensitive information — including suspicion-related data — is restricted to authorised roles under strict need-to-know.
- Data residency and retention are configurable to the obligations of your jurisdiction.
Reports & returns
- Suspicious-activity / suspicious-transaction report content (SAR/STR)
- Customer risk-rating and re-rating reports
- Alert volume, ageing and SLA-adherence reports
- Screening-coverage and match-disposition reports
- Programme dashboards and management information for the compliance function and board
What your team gains
One record for the whole programme
Screening, due diligence, monitoring, cases and reporting write to the same customer record, so teams and examiners see one complete compliance history.
Analyst time on genuine risk
Better-tuned screening and structured triage move effort away from clearing noise and toward the activity that actually matters.
Defensible decisions
Ratings, dispositions and overrides are captured with rationale as they happen, so answers to supervisory questions already exist.
Faster, cleaner reporting
Returns and suspicious-activity content are assembled from the live record with review and sign-off, cutting manual effort and error.
Examination readiness as a standing state
An immutable trail means the programme is audit-ready continuously, not only after a scramble to prepare.
Questions, answered
Is OnyxOne a regulated or licensed financial-services provider?
No. OnyxOne is a technology vendor. It provides software that helps your firm run its compliance and financial-crime programme; it is not a regulated financial institution and is not an obliged entity. Responsibility for meeting regulatory obligations remains with your firm.
Which regulations does it cover?
The platform is built to support the shape of a modern financial-crime and compliance programme — CDD/KYC/KYB, sanctions and PEP screening, ongoing monitoring, case handling and reporting. Your specific obligations depend on your jurisdiction, licence and activities, and remain your firm's responsibility to determine and meet.
Where do the sanctions and PEP lists come from?
Screening and data providers are contracted and configured per deployment rather than fixed to a single named partner. OnyxOne applies your chosen sources through configurable match logic and thresholds.
Can it be configured to our own risk policy?
Yes. Risk scoring, screening thresholds, due-diligence requirements, workflows, roles and approvals are configurable to your policy and risk appetite. The platform enforces your model rather than imposing a fixed one.
How does it help at examination time?
Every check, rating, disposition, override and report is written to an immutable, timestamped audit trail against the relevant record, so preparing for an examination is a matter of retrieval rather than reconstruction.
See OnyxOne for Financial Services
Book a walkthrough and we'll show how the platform fits your sector's obligations, workflows and systems — then scope an implementation.