The onboarding pipeline from first contact to approved, risk-rated and monitored customer — including KYB, ultimate beneficial ownership and the checkpoints that must not be skipped under pressure to convert.
Each stage has a decision gate. A customer who fails a gate does not move forward — commercial pressure to override that is the single most common root cause of onboarding findings.
Collect and verify identity. For individuals: National ID or passport. For entities: commercial register, tax card, articles of association.
Trace ownership through every layer until a natural person is identified. Document the chain, not just the endpoint.
Screen against sanctions, PEP and adverse media lists. For Arabic names, transliteration-aware matching is essential or true hits are missed.
Score the customer against the model derived from your enterprise risk assessment. The rating determines due diligence depth and review frequency.
Standard due diligence for low and medium risk. Enhanced due diligence with source of funds and senior approval for high risk and PEPs.
Approve at the right authority level, then place the customer under ongoing monitoring calibrated to their risk tier.
The rating is not a label. It determines how much evidence you must hold and how often you must revisit it.
Standard identification and verification. Periodic review on a longer cycle.
Full CDD with purpose and intended nature of the relationship documented.
Source of funds and source of wealth evidenced, senior management approval before onboarding, and enhanced ongoing monitoring.
Every one of these has been a real finding in the Egyptian market.
Every engagement is led by a senior practitioner and closes with documented, regulator-ready evidence of what was built.