KYC Compliance Automation System

Automated KYC and compliance workflow for regulated environments—enabling fast onboarding without compromising regulatory controls.

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🎯 Overview

This system automates the entire KYC (Know Your Customer) and AML (Anti-Money Laundering) workflow, from document collection to final approval—reducing onboarding friction while maintaining full regulatory compliance.

┌─────────────┐    ┌─────────────┐    ┌─────────────┐    ┌─────────────┐
│   Document  │───▶│  Identity   │───▶│  Sanctions  │───▶│  Decision   │
│   Upload    │    │ Verification│    │  Screening  │    │   Engine    │
└─────────────┘    └─────────────┘    └─────────────┘    └─────────────┘
                                                                │
                   ┌─────────────┐    ┌─────────────┐          │
                   │   Manual    │◀───│  Escalation │◀─────────┘
                   │   Review    │    │    Queue    │
                   └─────────────┘    └─────────────┘

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✨ Features

• Document Handling - Automated document upload, validation, and OCR extraction
• Identity Verification - Integration with third-party KYC providers
• AML Screening - Sanctions list checking and PEP screening
• Decision Engine - Rule-based approval, rejection, and escalation logic
• Audit Trail - Complete logging for regulatory compliance
• API-First - RESTful APIs for integration with existing systems

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🏗️ Architecture

src/
├── api/                 # REST API endpoints
│   ├── routes.py
│   └── schemas.py
├── core/                # Business logic
│   ├── document_handler.py
│   ├── identity_verifier.py
│   ├── sanctions_screener.py
│   └── decision_engine.py
├── integrations/        # Third-party APIs
│   ├── kyc_provider.py
│   ├── aml_provider.py
│   └── document_ocr.py
├── models/              # Data models
│   ├── customer.py
│   ├── document.py
│   └── verification.py
├── workflows/           # Workflow orchestration
│   └── kyc_workflow.py
└── utils/               # Utilities
    ├── audit_logger.py
    └── validators.py

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🚀 Quick Start

# Clone repository
git clone https://github.com/daveedashar/kyc-compliance-automation.git
cd kyc-compliance-automation

# Install dependencies
pip install -r requirements.txt

# Configure environment
cp .env.example .env
# Edit .env with your API keys

# Run the service
python -m src.main

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📋 API Endpoints

Endpoint	Method	Description
/api/v1/customers	POST	Create new customer for verification
/api/v1/customers/{id}/documents	POST	Upload verification documents
/api/v1/customers/{id}/verify	POST	Trigger verification workflow
/api/v1/customers/{id}/status	GET	Check verification status
/api/v1/verifications/{id}	GET	Get verification details
/api/v1/escalations	GET	List pending manual reviews

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⚙️ Configuration

# config.yaml
kyc:
  provider: "jumio"  # or "onfido", "veriff"
  auto_approve_threshold: 0.85
  
aml:
  providers:
    - "sanctions_io"
    - "comply_advantage"
  check_interval: "daily"

decision:
  rules:
    - name: "high_risk_country"
      action: "escalate"
    - name: "pep_match"
      action: "manual_review"
    - name: "sanctions_hit"
      action: "reject"

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📊 Workflow States

PENDING → DOCUMENTS_UPLOADED → VERIFYING → [APPROVED | REJECTED | ESCALATED]
                                                      ↓
                                              MANUAL_REVIEW → [APPROVED | REJECTED]

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🔒 Compliance Features

• ✅ GDPR-compliant data handling
• ✅ SOC 2 audit trail requirements
• ✅ PCI-DSS data encryption
• ✅ Configurable retention policies
• ✅ Right to erasure support

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🧪 Testing

# Run tests
pytest tests/ -v

# Run with coverage
pytest tests/ --cov=src --cov-report=html

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📈 Outcomes

• 80% reduction in manual verification time
• 99.9% uptime for compliance operations
• < 5 min average verification time
• Zero compliance violations

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📄 License

MIT License - see LICENSE for details.

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👤 Author

Daud Ashar

• GitHub: @daveedashar
• LinkedIn: /in/daudashar
• Email: daud-a@consultant.com