KYC Solutions

 KYC Miner is H3M’s sophisticated risk scoring engine, designed for flexible and precise customer risk evaluation. It empowers banks and fintechs to configure how risk is quantified and managed throughout the customer lifecycle. Notable features include:

• Custom Risk Modeling: Flexible, customizable scoring structures enable tailored risk assessments based on a wide range of customer attributes and risk factors . Every organization can define its own risk factors (from geography and income to product types or compliance check results) and weight them according to its risk appetite and regulatory requirements.
   
• Automatic Re-Evaluation: KYC Miner continuously monitors changes in customer profiles and automatically re-calculates risk scores either at predefined intervals or whenever triggered by significant events . For instance, if a customer’s transaction pattern changes or a new sanctions/PEP hit emerges, the system can instantly update their risk rating. This dynamic approach ensures risk scores are always up-to-date rather than static yearly snapshots.
   
• Multi-Segment Scoring: Develop and maintain multiple scoring models for different customer segments to enhance precision . You might have distinct risk models for retail banking clients, corporate clients, or high-net-worth individuals – each calibrated to the specific risk indicators relevant to that group. This segmentation improves the relevance and accuracy of risk assessments across a diverse portfolio.
   
• Seamless Integration: KYC Miner’s risk scores plug directly into your broader compliance workflow. The scores can guide scenario parameters in transaction monitoring and feed into case management or alert triage systems, enabling truly risk-based alerting . Higher-risk customers, as identified by KYC Miner, can automatically be subjected to more stringent monitoring scenarios or flagging rules, ensuring that your AML system focuses on what matters most.
   
• AI-Driven Insights: The solution leverages machine learning algorithms to identify key risk indicators and patterns, informed by historical data such as past suspicious activity reports and sanctions hits . Over time, the AI learns which factors contributed to real-world cases of financial crime, helping refine the risk scoring model. This means your KYC risk models become smarter and more predictive, reducing false positives while highlighting truly high-risk behaviors.
   

By using KYC Miner, compliance teams gain a powerful ally in automating and sharpening their risk assessment process. Manual, subjective risk rating processes are replaced with data-driven scoring that adapts as customers’ profiles evolve . This not only improves accuracy but also frees up analysts to focus on investigating the highest-risk customers, rather than repeatedly re-scoring low-risk ones.

H3M’s KYC 360° Dashboards offer an all-encompassing perspective on customer risk by aggregating information across compliance dimensions into a single view. Key capabilities include:

• Unified Risk Profiles: Consolidating Customer Due Diligence data with ongoing sanctions screening and transaction monitoring results – plus adverse media findings – into one 360° risk profile for each client  . This integrated KYC/CDD approach ensures no critical information is siloed, reducing manual data entry and accelerating onboarding while maintaining a comprehensive view of risk.
   
• In-Depth Analytics: Interactive investigative tools allow compliance teams to explore historical activities and risk trends at both individual and group levels . Analysts can uncover patterns (e.g. frequent high-risk alerts for a client or a business line) and drill down into specific risk drivers over time.
   
• Targeted Risk Insights: Geographic and segment-based analytics help pinpoint areas of heightened risk, focusing resources where they matter most . For example, teams can visualize if certain regions or customer segments are generating disproportionate alerts, and then proactively allocate monitoring efforts to those high-risk areas.
   

By providing a holistic, real-time risk snapshot, KYC 360° Dashboards enable smarter decision-making. Compliance officers can quickly gauge a customer’s overall risk status at a glance – from KYC checks to recent transaction anomalies – and respond with appropriate due diligence or enhanced monitoring as needed.