AI Agents

Context

Built for banking within the Corporate Account Opening stack and used by Compliance / Onboarding teams, this agent focuses on one of the hardest onboarding steps: turning complex ownership information into a clear view of who ultimately owns and controls a corporate customer. It’s triggered when a new corporate or group entity is onboarded or reviewed and a defensible UBO mapping is required for AML and KYC purposes.

What it does

The agent traces ownership layers across the entities in a group, building a structured view of who owns what, through how many steps. It reconstructs the chain from the applying entity up through holding companies and vehicles to the natural-person level, then flags patterns associated with higher AML risk such as offshore jurisdictions or nominee-style arrangements. The result is a single, navigable ownership view with identified UBOs, instead of disconnected documents and diagrams.

Core AI functions

The core capability is graph reasoning: the agent represents entities, people, roles, and shareholdings as a graph and reasons over that graph to identify ultimate beneficial owners and control paths. On top of that, it applies your UBO and risk rules to highlight offshore or nominee-type structures that warrant enhanced due diligence, so Compliance and Onboarding see both the structure and the risk signals in one place.

Problem solved

Without this agent, complex ownership chains remain opaque: analysts manually piece together structures from registries and documents, and offshore or nominee constructs can be missed or inconsistently flagged. That slows down corporate onboarding, weakens AML controls, and makes it hard to show regulators exactly how UBOs and higher-risk structures were identified.

Business impact

The main impact is a better AML posture around corporates and groups. Ownership and UBO mapping becomes faster and more consistent across teams and regions, higher-risk structures are surfaced earlier, and the bank can demonstrate a clearer, documented approach to identifying who it is really dealing with. For Tier 1–2 banks, this supports more targeted EDD and fewer findings in AML reviews.

Integration and adjacent use cases

Integration complexity is medium to high: the agent needs to work with your corporate onboarding / KYC data and the legal-entity information you already collect across group entities, and then store the resulting ownership graph and UBO mapping back into the onboarding record.

Common combinations in this stack:

• Multi-Entity Legal Identity Extractor to pull and normalize legal data across all related entities before ownership mapping;

• Board Authority & Multi-POA Validator to validate group signing rights and power-of-attorney details against the mapped control structure;

• Compliance Risk Scanner & Jurisdiction Classifier to run PEP/sanctions checks and classify country risk on the identified owners and controllers;

• Group Document Consistency Cross-Check to perform coherence checks across group documents so names, dates, and structures line up with the ownership view; and

• Corporate Onboarding Completeness Agent to act as the final completeness gate with smart prompts for missing apostilles, documents, or UBO evidence before approval.