KYC / AML Onboarding

flowchart TD
  A["Customer applies"] --> B["Capture personal details"]
  B --> C["Document upload<br/>passport or ID"]
  C --> D["OCR + liveness selfie"]
  D --> E{"Match docs &#8596; selfie?"}
  E -- no --> Manual["Manual review"]
  E -- yes --> F["Sanctions / PEP /<br/>adverse-media screen"]
  F --> G{"Hits?"}
  G -- yes --> Manual
  G -- no --> H["Risk score"]
  H --> I{"Score band"}
  I -- low --> Approve["Auto-approve - EDD off"]
  I -- medium --> EDD["Enhanced due diligence"]
  I -- high --> Manual
  EDD --> Decision["Compliance officer decision"]
  Manual --> Decision
  Decision -- approve --> Open["Open account"]
  Decision -- reject --> Close["Reject + SAR if needed"]