KYC/AML Digitisation for Insurers - Agentic AI that adapts as you do

‍‍KYC/AML Digitisation for Insurers - Agentic AI that Adapts As You Do

Digitise policyholder & distributor KYC/KYB, PEP/sanctions, adverse media check.

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Development supported by Enterprise Estonia (EIS) and the Estonian Ministry of Economic Affairs and Communications:

Project duration: 02.12.2024 – 30.11.2025

Project overview: Pilot the KYC FlowEngine platform to help insurers automate onboarding, reduce manual tasks, improve data accuracy, and ensure seamless compliance.

Project support: 63 996,27€

Streamline complex KYC workflows. Remove manual ops.

Connect insurance core, portals (customer/ broker/ agent), and data providers + X‑tee (X‑Road) data exchange via one agentic layer to reduce handoffs and re‑keying.

Policyholder KYC with registry checks & UBO discovery
Broker/agent due diligence (KYB), periodic reviews
KYC risk model with policy controls
Claims fraud signals, EDD, and evidence packs
X‑tee (X‑Road) connectivity for secure data exchange

Issue policies faster

Prefill from IDs & registries, auto-collect missing docs, and provide instant risk-aware decisions.

Cut fraud & leakage

Agentic checks surface inconsistencies and risky relationships; standardised decisions improve governance.

Automate workflows

Streamline complex KYC workflows — from data collection to risk scoring—with real-time rule-based decisioning

KYC FlowEngine

Automates risk assessments and enables machine-readable data processing for real-time verification and monitoring—purpose-built for insurers, brokers, and agents.

PEP, sanctions, adverse media screening
Distributor due diligence and periodic KYC
Fewer manual steps with automated outreach

Explainable KYC Risk Scoring (Life)

Human-readable features & tunable thresholds
Backtesting, drift monitoring, evaluator runs
Overrides with justification and RBAC

Built on Mendix

Governed low-code delivery with versioning & audit
Agentic orchestration with human-in-the-loop
Rapid deployments with policy-as-config

Multi-LLM routing (GPT / Croc / Claude / Llama) with policy-based controls and PII safeguards.

Integration possibilities

X‑tee (X‑Road) data exchange and registries
Insurance cores, portals, sanctions/PEP & adverse media feeds
Events & webhooks for underwriting, distribution, claims
Document & IDV vendors, CRM, case managers

Key features

1) System unification

Connect core systems, CRM, case tools and data providers—no more swivel-chair ops.

2) Agent orchestration

Multi-agent flows coordinate screening, scoring, outreach and filings.

3) Prompt‑based alerts

Configure TM & case triggers in plain language, iterate without redeploys.

4) Multi‑LLM routing

Task‑aware model selection across chatGPT, Croc, Claude, Llama.

5) Guardrails & governance

Policies, evaluators, approvals and immutable audit logs.

6) Enterprise user management

SSO, RBAC, SCIM, least‑privilege service accounts.

7) Data security

Tokenization, encryption, IP allow‑lists and secrets management.

8) Built on Mendix

Low‑code delivery for faster TTV with versioning & testability.

Book a demo

We are happy to discuss how we can transform your KYC process with agentic AI

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‍with Mendix

Processa Technologies is Siemens Mendix certified partner in the Baltics since 2021.

Mendix is a low-code development platform for creating business transformation solutions.

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