How does MANTL handle identity verification and KYC?
MANTL embeds identity verification, fraud controls, and KYC workflows into digital account opening so banks and credit unions can approve more good customers, stop bad actors, and keep an audit-ready trail across every channel.
MANTL handles identity verification and KYC by orchestrating real-time checks—ID document capture, database lookups, device and behavioral signals, sanctions and watchlist screening—through a configurable rules engine. Prospects are screened as they move through the application, scored against the institution’s risk policies, and either auto-approved, flagged for review, or declined. Every step is logged with audit-ready data so compliance teams can evidence how KYC decisions were made across digital, branch, and contact center channels.
What does MANTL change about KYC and identity verification?
Inside MANTL’s Identity Verification & KYC Flow
Think of MANTL as the orchestration layer between your applicants, your core, and your fraud/KYC stack. Here’s how the pieces fit together from the first click through approval and funding.
Signal → Collect → Verify → Decide → Fund → Monitor
- Signal: start of application — A prospect starts an application from web, mobile, branch, or a partner. MANTL captures entry point, campaign tags, and device data for downstream risk and attribution.
- Collect: identity & context — Applicants provide PII, contact info, and product choices. MANTL enforces data validation and consent, limiting what is collected to what you need for KYC and risk.
- Verify: layered IDV & KYC checks — Based on risk policy, MANTL triggers document checks, database lookups, PEP/sanctions screening, and watchlist checks, plus optional device and behavioral analysis.
- Decide: automated or queued — Rules map risk scores and check results into auto-approve, refer, or decline, with clear reasons codes. High-risk cases route to back office queues with full context.
- Fund: connect to the core — Approved applications are passed to the core or LOS with verified identity data, so accounts are opened and funded quickly without re-keying or duplicate checks.
- Monitor: feedback and optimization — Charge-offs, fraud events, and SARs flow back into the model so you can tighten or relax KYC rules, improving approval rates while keeping risk in bounds.
KYC & Identity Maturity with MANTL
| Capability | From (Manual / Siloed) | To (MANTL-Orchestrated) | Owner | Primary KPI |
|---|---|---|---|---|
| Identity Capture | Long, generic forms; duplicate data entry in multiple systems. | Streamlined flows with dynamic fields, validation, and re-use of known data across channels. | Digital / Product | Completion Rate, Time to Apply |
| IDV & KYC Checks | Batch checks after submission; manual lookups in separate portals. | Real-time, layered checks via integrated providers, triggered based on risk rules. | Risk / Compliance | Auto-Approval %, False Positive Rate |
| Decisioning | Email and spreadsheet workflows; inconsistent decisions across branches. | Rules-based decision engine with clear routing, reasons codes, and queues. | Risk / Ops | Time to Decision, Exception Rate |
| Audit & Evidence | Scattered screenshots and notes; hard to reconstruct decisions. | Centralized audit trail of checks, approvals, overrides, and communications. | Compliance | Exam Findings, Time to Respond |
| Fraud & Loss Feedback | Ad hoc review of fraud cases; delayed updates to policy. | Closed-loop feedback from fraud, charge-offs, and SARs into risk rules and workflows. | Fraud / Risk | Fraud Loss Rate, SAR Volume |
| Customer Experience | High abandonment, repeated requests for documents and information. | Transparent, mobile-friendly flows with clear expectations and minimal rework. | CX / Marketing | Abandonment Rate, NPS |
Client Snapshot: From Manual KYC to Real-Time Approvals
A regional bank moved from manual KYC checks and multi-day account opening to a real-time, MANTL-powered workflow. By embedding identity verification and KYC policies into the application, they increased auto-approval rates, reduced review queues, and cut time-to-funded-account—while maintaining strong fraud and AML controls.
Want to see how this connects to funded growth? Explore the Banking Case Study
MANTL gives you the controls to design KYC once and apply it everywhere—from digital brand to branch—while your marketing and growth teams focus on acquisition, activation, and lifetime value.
Frequently Asked Questions about MANTL Identity Verification & KYC
Turn KYC and Identity into a Growth Advantage
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