Perpetual KYB
Due diligence that doesn't stop at approval
An annual review cycle means you find out about a change up to twelve months late. Wiseflow reassesses every business you have onboarded as things actually change.
How it works
From a calendar reminder to an event
Periodic review asks “is it time to look at this again?”. Perpetual KYB asks “has anything changed that matters?”
- 01
Monitor
Every business you onboard stays under continuous watch after approval.
- 02
Detect
A material change raises an event against that entity's record.
- 03
Reassess
Your policy runs again, and low-risk changes clear themselves.
- 04
Escalate
Anything material becomes a case, with the change and its evidence attached.
Triggers
What we watch for
Ownership & control
Changes to beneficial owners, directors and persons with significant control.
Company status
Dissolutions, insolvency filings, name changes and registration lapses.
Screening hits
New sanctions designations, PEP status changes and adverse media.
Financial deterioration
Credit score movements, CCJs and working capital warning signs.
Expiring evidence
Documents, certifications and registrations approaching their expiry.
Your own signals
Complaint volumes, chargeback rates or any event you push in by API.
Defensible by design
Show a supervisor what you knew, and when
Every event, reassessment and reviewer action is recorded against the entity, alongside the policy version in force at the time. When a relationship is questioned, the timeline is already written.
Ready to reduce the time and cost of onboarding?
See how Wiseflow can turn your current process into one connected journey.