›Why agentic AI changes KYC/AML
Traditional AML generates high false-positive rates and disconnected handoffs between screening, investigation and SAR filing. Agentic AI in 2026 chains these steps into one continuous, auditable flow where the agent proposes the next best action.
Utilyx models this as a BPM workflow: the agent pre-fills the investigation, the analyst validates, the system routes to compliance based on risk score, and every decision is journaled.
›The orchestrated KYC/AML workflow
- Intake: customer identity, beneficial owners and documents captured in a structured form.
- Screening: PEP, sanctions and adverse-media checks run automatically and feed a risk score.
- Conditional routing: high-risk cases escalate to a compliance officer; low-risk proceed to approval.
- Investigation: the AI copilot drafts the suspicious activity narrative from the case data.
- Reporting: SAR/STR and FATCA/CRS documentation are generated as PDF and legally archived.
- Notification: all actors receive a traceable confirmation with a direct link to the case.
›Concrete benefits
Teams report a 75% reduction in investigation time, far fewer false positives, and a complete, regulator-ready audit trail — because the workflow enforces every required step before a case can close.
The banking vocabulary (PEP, SAR, STR, beneficial owner, FATCA/CRS, LBA) is native to the platform, so the copilot proposes the right schema without re-explanation.
›The workflow in real time
Every node is executable, every branch is testable. Visualize the actual flow of your data while you design.
›Measured gains after automation
Temps de traitement
Before
5 jours
After
2 heures
Taux d'erreur documentaire
Before
12%
After
0,5%
Coût par transaction
Before
45 €
After
3 €
Conformité audit
Before
78%
After
100%
›How to automate this process — step by step
Modéliser le workflow
Décrivez le processus (KYC, crédit, compte) au copilote IA ou dessinez-le dans le concepteur visuel — routage conditionnel, validations multi-niveaux.
Configurer les formulaires
Créez les formulaires de saisie avec champs obligatoires, pièces requises et validation automatique des données réglementaires.
Automatiser la génération PDF
Connectez un template Word au module usePDF — chaque décision génère automatiquement un document conforme.
Activer l'archivage légal
Le module useArchive classe chaque document dans une archive infalsifiable avec index plein-texte et traçabilité complète.
Déployer et mesurer
Publiez en un clic, simulez d'abord si besoin. Suivez les KPI (temps de cycle, taux d'erreur, conformité) en temps réel.
›Return on investment
Frequently asked questions
Can the AI agent draft the suspicious activity report?
Yes. The copilot drafts the SAR narrative from the case data; the analyst reviews and validates before the PDF is generated and archived.
Is the workflow auditable end-to-end?
Every node, decision and document is journaled with timestamp, actor and input — exportable as an audit pack on demand.
Ready to automate your processes?
Utilyx lets you design, automate and orchestrate your workflows visually — with an AI copilot, OCR, PDF generation and legal archiving. Start in minutes, not weeks.