Know Your Customer

    Cut onboarding time by 10x. Reduce false positives by 90%. AI agents that run your full KYC workflow end-to-end.

    Identity verificationDocument reviewSanctions screeningPEP & adverse mediaExplore all tools →
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    Cut onboarding time by 10x

    Scale consistent application of your policies with agentic identity verification and KYC onboarding reviews.

    Analyst

    ~1 hour

    Variance

    < 5 min

    New geography

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    Updated regulation

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    Update your policies proactively

    Expand to new markets and onboard new customer segments without months of hiring, training, and ramping analysts.

    Variance

    KYC verification complete. Identity confirmed.

    Verification completed on 02/18/2026, 10:22:14 EST.

    Approve Customer
    Customer #JM-20260218
    Identity VerifiedAML Clear

    Customer James Morrison submitted a UK passport and a utility bill for address verification. Document authenticity confirmed via OCR and tampering detection. Selfie liveness check passed with 99.2% confidence — face matched to passport photo. AML screening returned no hits on OFAC SDN, EU sanctions, or PEP lists. Adverse media scan found zero relevant results. Customer cleared for onboarding.

    Document Verification

    UK Passport
    UK Passportpassport_front.jpg
    Verified

    MRZ parsed • Expiry: 2031-09-14 • No tampering detected

    Address Proof
    Address Proofutility_bill.pdf
    Verified

    Name & address matched • Issued within 90 days • Provider: British Gas

    Selfie & Liveness Check

    Selfie verification
    Biometric Verification
    Passed

    Live selfie captured and compared against passport photo. Face match confidence: 99.2%. Liveness detection passed — no spoofing indicators. 3D depth analysis confirmed.

    Face Match99.2%
    LivenessPass
    Spoof Score0.01

    AML Screening

    OFAC SDN List
    No matches found
    Clear
    EU Consolidated Sanctions
    No matches found
    Clear
    PEP Database
    No matches found
    Clear
    Adverse Media
    0 relevant articles identified
    Clear

    Extracted Identity

    James MorrisonLow Risk
    Full Name
    James Alexander Morrison
    Date of Birth
    1988-03-14
    Nationality
    British
    Document No.
    533401829
    Address
    42 Kensington Court, London W8 5DL, UK

    Variance Case Summary

    Verdict:CLEAR

    Why:

    • Passport authenticated — MRZ parsed, no tampering detected, expiry 2031‑09‑14.
    • Selfie liveness passed with 99.2% face match confidence; zero spoofing indicators.
    • AML screening returned no hits across OFAC SDN, EU sanctions, PEP, and adverse media.

    Key facts:

    • British national, UK address verified via utility bill issued within 90 days.
    • Risk score 0.08 / 1.00 (Low) — no prior alerts or adverse indicators.
    • Evidence package includes 8 artifacts and 4 source citations.

    Verify with confidence

    See how Variance handles identity verification and AML compliance.

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    Built for regulated teams

    Every action is logged, every decision is auditable, and your data stays where you need it.

    SOC 2 Type II certified

    Data encrypted at rest (AES-256) and in transit (TLS 1.3). Regular third-party penetration testing.

    Flexible deployment

    Fully managed SaaS, private VPC peering, or on-premise air-gapped deployment for the most sensitive environments.

    Every action, fully auditable

    Immutable, timestamped records of every agent action, decision, and configuration change. Examiner-ready from day one.

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    Know Your Business

    Verify businesses and trace beneficial ownership structures end to end, across jurisdictions and corporate layers.

    Entity cleared for onboardingApprove
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    UBO ownership chain fully traversed with no opaque or high‑risk intermediaries.
    Corporate structure verified via Companies House

    Transaction Monitoring

    Investigate every alert end to end. Pull history, cross-reference patterns, and produce cited decisions at scale.

    Suspicious pattern detectedEscalate
    7 cash deposits totaling $48,200 kept below $10,000 CTR threshold
    Transaction velocity 5.8× above account baseline with 4.2σ deviation
    Multi‑branch deposit pattern across 4 locations consistent with known structuring typology.

    Customer Due Diligence

    Run CDD and EDD reviews with real-time adverse media screening, PEP checks, and sanctions monitoring. Every case, the same rigor.

    Adverse media hit detectedEscalate
    3 adverse media hits across Financial Times, Reuters, and ICIJ
    Subject linked to ongoing $12M money laundering investigation
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