Digital application solutions for banks and credit unions. Streamline account opening, loan applications, and member onboarding with compliance built-in. Kinetic Sea helps financial institutions reduce time-to-open, automate KYC and AML screening, and deliver exceptional member experiences.
Replace paper-based account opening with digital application forms that collect required information, verify identity, and screen against OFAC and sanctions lists automatically. Reduce account opening time from days to hours.
Streamline consumer and commercial loan applications with structured digital forms, document collection, e-signatures, and automated routing to credit analysts. Maintain complete audit trails for regulatory compliance.
Automate post-approval member onboarding with document verification, compliance checks, and workflow routing. Reduce manual handoffs and give members real-time visibility into their onboarding progress.
Built for the regulatory requirements of financial institutions. Automated KYC identity verification, OFAC sanctions screening, AML risk assessment, and KYB business entity validation. Complete audit trails for BSA, PATRIOT Act, and other regulatory obligations.
Enterprise security with end-to-end encryption, role-based access controls, and SOC 2 compliance. Designed to meet the security and data privacy requirements of federally regulated financial institutions.
Accept applications from new and existing customers while supporting AML compliance through automated KYC, OFAC, and KYB verification - designed for banks and credit unions.
Financial institutions face mounting pressure from regulators while outdated systems create bottlenecks that frustrate customers and increase operational risk
Your team juggles multiple systems for new versus existing customers, losing data between platforms and forcing applicants through redundant steps. Incomplete applications pile up while customers abandon complex processes, and manual data entry errors create compliance headaches.
AML requirements demand constant vigilance with KYC, OFAC, and KYB checks across all customer interactions. Manual verification is slow and error-prone, audit trails are scattered across systems, and exam preparation means weeks of document gathering and stress.
Applications started online can't be completed in-branch. Mobile submissions require re-entry on desktop. Customers can't track their status and call repeatedly for updates. Each channel operates in a silo, creating duplicate work and inconsistent experiences.
Our intelligent platform turns operational challenges into competitive advantages, allowing you to serve customers faster while maintaining bulletproof compliance
Applications verified automatically
KYC/OFAC checks in real-time
Full audit trail maintained
One platform handles applications from new and existing customers seamlessly. Automated workflows route intelligently, pre-fill known information, collect documents systematically, and provide real-time status tracking. Applications move smoothly through your process with complete visibility and zero data loss.
KYC, OFAC, and KYB verification happens automatically as applications progress. Every check is documented with complete audit trails, timestamps, and examiner-ready reports. Real-time screening catches issues immediately, and comprehensive documentation means you're always exam-ready.
Customers start applications anywhere and complete them everywhere. Online, mobile, in-branch - all channels share the same data in real-time. Customers track their own status, reducing support calls. Staff access complete application history regardless of submission channel.
Accept and process applications from new and existing customers while ensuring full compliance through automated verification.
Accept and process applications from prospective customers with automated workflows, document collection, and identity verification. Guide applicants through every step with clear status updates.
Streamlined application intake
Handle applications from current customers for new products and services with pre-filled information and accelerated processing. Leverage existing relationship data for faster decisions.
Faster processing for existing customers
Customizable workflow automation that routes applications, collects required documentation, triggers compliance checks, and manages approval processes with complete audit trails.
Automated routing and approvals
Automated Know Your Customer (KYC) verification and OFAC screening for individual customers to support AML compliance goals. Real-time checks with complete documentation and audit trails.
Individual customer verification
Know Your Business (KYB) compliance for business entities including beneficial ownership verification, business registration validation, and ongoing monitoring to support AML requirements.
Business entity verification
Comprehensive Anti-Money Laundering compliance tools including automated screening, risk scoring, ongoing monitoring, and examiner-ready documentation for all compliance checks.
Always exam-ready
Complete platform for application management, workflow automation, and AML compliance through KYC, OFAC, and KYB verification.
Accept applications from new and existing customers with automated workflows, conditional routing, and real-time status tracking
Automated Know Your Customer verification and OFAC screening for individuals to support AML compliance requirements
Know Your Business compliance including beneficial ownership verification and business entity validation for AML support
Multi-source identity verification with document validation, fraud detection, and knowledge-based authentication
White-labeled portal for application submission, document upload, and status tracking with fully branded customer experience
Comprehensive AML support with automated screening, risk scoring, ongoing monitoring, and complete audit trails
Intelligent automation for application routing, approval workflows, compliance checks, and notification management
Centralized storage for customer documents and compliance records with encryption and retention policies
From initial application through onboarding to ongoing compliance - support your customers throughout their entire relationship with automated workflows and continuous monitoring.
Yes. Our platform is designed to handle applications from both prospective new customers and existing customers. For new customers, we capture all required information with identity verification. For existing customers, we can pre-fill known information to accelerate the application process while still performing necessary compliance checks.
We support AML compliance through automated KYC and OFAC screening for individual customers, plus KYB (Know Your Business) verification for business entities. This includes beneficial ownership verification, business registry validation, automated screening, risk scoring, and complete audit documentation to keep you exam-ready.
Our workflow engine is fully configurable to match your processes. You can customize application forms, add conditional logic, set up approval hierarchies, configure automated routing rules, and design customer-facing interfaces. We work with you during implementation to configure workflows that match your operations while ensuring compliance requirements are met.
Our system performs automated Know Your Customer (KYC) verification and OFAC screening in real-time during the application process. We check individuals against OFAC lists, verify identity information, assess risk levels, and maintain complete documentation of all checks performed. Results are available instantly with full audit trails for examiner review.
Our Know Your Business (KYB) verification includes business entity validation, beneficial ownership identification and verification, business registry checks, ongoing monitoring of business entities, and complete documentation of all verification steps. This supports your AML compliance requirements for business customers.
We automate beneficial ownership collection and verification with intelligent forms that guide customers through disclosure requirements, validate ownership percentages, perform identity checks on controlling persons, maintain required documentation, and support ongoing monitoring. The system ensures documentation is exam-ready and properly retained.
Yes. We provide a white-labeled customer portal that can be embedded in your website or mobile app. Customers can submit applications, upload documents, check application status, complete e-signatures, and receive notifications. The portal is fully branded to match your institution and provides a modern, user-friendly experience.
We maintain SOC 2 Type II certification, are GLBA compliant, use AES-256 encryption for data at rest and in transit, implement role-based access controls, conduct regular security audits, maintain 99.99% uptime SLA, and follow banking industry best practices for data protection. We also support multi-factor authentication and detailed audit logging.
See how banks and credit unions use Kinetic Sea to accept applications from new and existing customers while meeting AML compliance goals through automated KYC, OFAC, and KYB verification.