Can we use our existing KYC and sanctions tools with MANTL?

Yes. In typical deployments, financial institutions integrate MANTL with their preferred KYC, identity verification, and sanctions screening vendors, preserving existing risk models while improving how those checks are triggered and reconciled in the account opening process.

How does MANTL handle CIP requirements?

Q: How does MANTL handle non-face-to-face customers?

Non-face-to-face applicants often require enhanced due diligence. MANTL supports additional verification steps—such as document upload, selfie checks, and out-of-wallet questions—that can be invoked automatically when the customer or product is higher risk.

MANTL supports CIP by orchestrating a risk-based identity workflow at account opening. The platform captures required identifying information, routes it through integrated KYC/AML services, screens applications against watchlists, and provides clear outcomes and audit trails—approve, decline, or manual review. Financial institutions retain control of CIP policies, while MANTL standardizes how those policies are applied across digital, branch, and call-center channels.

What CIP Capabilities Does MANTL Enable?

Structured CIP Data Capture — Collects the required minimum set of data (name, date of birth, address, identification number) and additional attributes you define, with validation and conditional questions by product and risk profile.

Integrated KYC & Watchlist Screening — Connects to third-party identity verification and sanctions screening tools, so applications are evaluated against CIP rules, OFAC lists, and other internal or external watchlists in one flow.

Risk-Based Decisioning — Applies your risk scores and decision thresholds to determine whether to auto-approve, auto-decline, or route applicants to manual review while maintaining a consistent CIP standard across channels.

Document & Device Verification — Supports workflows that gather and verify government IDs, proof of address, and device fingerprints as part of your CIP/KYC program, especially for higher-risk products or non-face-to-face customers.

Configurable Rules & Exceptions — Lets you configure different CIP treatments for segments (e.g., minors, non-resident aliens, businesses) and document internal exceptions while preserving a defensible audit trail.

Audit-Ready Logs — Captures decisions, data sources, and changes to CIP rules in a way examiners can follow, helping you demonstrate that you “know your customer” and apply policy consistently over time.

Connecting Digital Account Opening to CIP Obligations

Modern CIP is more than a checklist. With MANTL, banks and credit unions can embed CIP requirements directly into the account opening journey—reducing friction for low-risk customers while keeping high-risk scenarios under tight control.

Collect → Verify → Screen → Decide → Document → Monitor

Collect CIP data at the point of application: Ensure all required fields are present for consumer and business accounts. MANTL can enforce required fields for specific products (e.g., business documents for commercial accounts).
Verify identities with KYC tools: Send customer data to identity verification vendors, credit bureaus, and other data sources to validate identity and detect anomalies in real time.
Screen against sanctions and internal lists: Run OFAC and other watchlist checks automatically, and incorporate internal blacklists or velocity controls as part of CIP.
Apply risk-based decisions: Use scorecards and decision rules to approve low-risk customers automatically, send medium-risk cases to manual review, and decline high-risk applications with clear reasons.
Document decisions and evidence: Store logs, evidence files, and decision rationales in a central system so compliance teams can respond quickly to examiner and auditor requests.
Monitor and refine policies: Review CIP outcomes regularly—false positives, manual review rates, account abuse patterns—and refine rules without rewriting the entire application experience.

CIP and KYC Maturity Matrix for Digital Account Opening

Capability	From (Ad Hoc)	To (Operationalized)	Owner	Primary KPI
CIP Data Collection	Paper forms and inconsistent digital fields	Standardized, channel-agnostic data model embedded in MANTL journeys	Compliance / Product	CIP Exceptions, NIGO Rate
Identity Verification	Manual ID checks	Automated KYC checks with step-up verification based on risk	BSA/AML	Auto-Approval %, Fraud Losses
Sanctions Screening	Batch uploads to separate tools	Real-time OFAC and watchlist screening inside the account opening flow	Compliance	Hit Rate, Review Time
Risk-Based Decisions	One-size-fits-all approval rules	Dynamic scorecards by segment, product, and channel	Risk / Credit Policy	Manual Review %, Approval Rate
Audit & Governance	Scattered documentation, tribal knowledge	Centralized logs, versioned policies, and examiner-ready reporting	Compliance / Internal Audit	Exam Findings, Policy Change Cycle Time
Customer Experience	High friction, repetitive questions	Adaptive flows that only request additional data when needed	Digital Banking	Completion Rate, Time to Open

Client Snapshot: Improving CIP Control and Deposit Growth

A regional bank modernized digital account opening with MANTL and re-designed its CIP rules. By integrating KYC vendors, tightening sanctions checks, and automating low-risk approvals, the bank increased funded accounts while reducing manual review effort and fraud losses. To see how disciplined orchestration translates to results, explore: Explore the Banking Case Study.

The right combination of digital account opening, CIP policy, and revenue marketing helps institutions safely expand into new markets, capture more primary relationships, and protect their franchise from emerging risks.

Frequently Asked Questions about MANTL and CIP Requirements

Does MANTL replace our CIP policy?

No. Your board-approved CIP policy and BSA/AML program remain the source of truth. MANTL operationalizes those policies by embedding the rules, data requirements, and decision paths into the account opening experience, so they are applied consistently across channels.

How does MANTL support risk-based CIP?

MANTL supports configurable rules that vary by segment, product, geography, and channel. You can set different verification levels and documentation requirements for low-, medium-, and high-risk customers, and adjust those rules as your risk appetite or regulations evolve.

Can we use our existing KYC and sanctions tools?

In typical deployments, financial institutions integrate MANTL with their preferred KYC, identity verification, and sanctions screening vendors. This preserves existing risk models while improving how those checks are triggered and reconciled in the account opening process.

How are CIP decisions documented for examiners?

MANTL logs key events such as data submitted, verification results, sanctions hits, overrides, and final decisions. Compliance teams can export or report on these events to demonstrate how the institution complies with CIP obligations for specific customers or cohorts.

What about non-face-to-face customers?

Non-face-to-face applicants typically require enhanced due diligence. MANTL supports additional verification steps—such as document upload, selfie checks, and out-of-wallet questions—that can be invoked automatically when the customer or product is marked as higher risk.

How does MANTL balance CIP controls with conversion?

By making CIP checks dynamic and risk-aware, MANTL allows low-risk customers to open accounts quickly while reserving the most intensive verification for higher-risk scenarios. This reduces abandonment and improves deposit growth without weakening your control environment.

Strengthen CIP While Growing Digital Deposits

Pair MANTL’s digital account opening with a revenue marketing and compliance framework that increases funded accounts, reduces fraud, and improves examiner readiness.

Explore the Banking Case Study Learn About FI-AI Agent

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How Do Banks Increase Funded Accounts? Revenue Marketing for Financial Services Talk to The Pedowitz Group Team

How Does MANTL Handle CIP Requirements?

What CIP Capabilities Does MANTL Enable?

Connecting Digital Account Opening to CIP Obligations

Collect → Verify → Screen → Decide → Document → Monitor

CIP and KYC Maturity Matrix for Digital Account Opening

Client Snapshot: Improving CIP Control and Deposit Growth

Frequently Asked Questions about MANTL and CIP Requirements

Strengthen CIP While Growing Digital Deposits

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