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Compliance & AML
KYB verification that sees through complex ownership structures
We verify companies, map ownership, identify ultimate beneficial owners and assess business risk for merchants, corporates and partners, so you can onboard businesses with confidence.
At a glance
Company verification
Ownership and UBO mapping
Director and signatory checks
Business activity review
Supporting fintechs in the UK, EU, US and Canada
Overview
Business onboarding needs more than a company number
Business customers bring bigger volumes and bigger risks. Shell companies, nominee directors, layered ownership and mismatched business activity are classic routes for financial crime, and regulators expect you to understand exactly who owns and controls each business you serve.
Hilix KYB analysts verify registration details, review constitutional documents, trace ownership to the natural persons behind it, screen every relevant party and assess whether the stated business model fits the expected activity. Each file ends with a clear risk rating and a recommendation your approvers can rely on.
What’s included
Everything included in KYB Verification (Know Your Business)
Who this is for
- Payment service providers and acquirers onboarding merchants
- B2B cross-border payment and FX platforms
- EMIs offering business accounts
- Remittance firms onboarding agents and corporate senders
What you receive
- Complete KYB files with ownership charts
- UBO and director verification and screening evidence
- Business risk ratings with clear rationale
- Periodic review schedules based on risk
- KYB procedures and acceptance criteria
How we work
How we take over or build your compliance function
Diagnose
We review your policies, risk assessment, case files, queues and systems to see what works, what is missing and what is exposed.
Design
We agree scope, service levels, escalation rules and the decisions that stay with your MLRO, then document them.
Operate
Our analysts work inside your tools, clear queues to agreed SLAs and record every decision with evidence.
Report and improve
Weekly and monthly MI, quality checks and trend analysis feed continuous improvement and board reporting.
FAQ
KYB Verification (Know Your Business): common questions
Can you handle complex international structures?
Yes. We regularly trace multi-layered structures across several jurisdictions and flag where trusts, nominees or bearer shares require extra evidence.
Do you check whether a merchant is licensed?
Where an activity requires a licence or registration, we verify it with the relevant register and record the evidence on file.
What ownership threshold do you use?
We follow the threshold set by your regulation and risk appetite, commonly 25 percent, or lower for higher-risk customers.
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