FCA-authorized payments institution based in the United Kingdom. The company was established in 2010 by former American Express and RBS bankers. The platform provides named multi-currency accounts to corporate clients globally — covering 200+ countries, 300 currency pairs, and 35 local payment markets. The company owns its own onboarding, compliance, and service fulfillment end-to-end, making process reliability and automation business-critical rather than a nice-to-have.
Business Challenge
The platform was running on a combination of manual processes and legacy infrastructure that could not support growth ambitions:
- ~95% of all transaction monitoring alerts required manual human intervention;
- Client onboarding was fragmented across disconnected systems with no straight-through processing.
- The CRM in use was operating at ~3% of its functional capacity: effectively used only as an email archive.
- An estimated 70% of core platform infrastructure required architectural redesign to support a target client base of 4,000+ corporate accounts.
- No scalable foundation for planned expansion into the EU and Gulf markets.
Solution Architecture
We designed and implemented a process-first automation architecture spanning onboarding, compliance, transaction monitoring, and payments execution.
Process Audit & Automation Layer
All operational workflows across onboarding, KYC/KYB, transaction monitoring, and lifecycle management were mapped end-to-end. Automation opportunities were prioritized based on risk and business impact.
Automated KYC & Onboarding
Integration with SumSub enabled straight-through onboarding flows, including support for complex international entities. Manual review was reduced to exception-only cases.
Transaction Monitoring Automation
Rebuilt TM infrastructure using rule-based and risk-scored screening systems, reducing reliance on manual intervention for routine alerts.
CRM & Lifecycle Automation
CRM transformed into a fully operational system managing:
- Client onboarding stages
- Communication workflows
- Account lifecycle tracking
Payments Infrastructure Integration
Integrated with Currencycloud (Visa) and ClearBank to automate:
- Settlement
- Reconciliation
- GBP & SEPA payment flows
- SWIFT processing (99% same-day delivery)
Compliance Architecture
Designed a modular compliance framework aligned with:
- FCA requirements (AML, KYC, operational resilience)
- Future expansion into EU (CSSF/MiCA) and Gulf (VARA/DFSA)
Enterprise-Grade Capabilities
- Deterministic automation for compliance-sensitive workflows
- Exception-based human intervention model
- Full auditability across onboarding, transactions, and payments
- Strict access control aligned with regulatory requirements
- Seamless integration with existing financial infrastructure
- Scalable architecture supporting multi-region expansion
Business Impact & ROI
- Transaction monitoring: manual intervention reduced from ~95% → <5%
- Onboarding: from multi-day manual process → same-day automated flow
- CRM: from 3% utilization → fully operational client management system
- Payments: near-complete automation across settlement and reconciliation
- Platform scalability: redesigned to support 4,000+ corporate clients
The organization achieved significant operational cost reduction, faster processing times, and improved compliance posture, while enabling growth without proportional headcount increase.
Scalability & Long-Term Value
The platform was designed for regulatory and operational expansion:
- Ready for EU and Gulf market entry
- Modular compliance framework adaptable to new jurisdictions
- Infrastructure scales with transaction volume—not team size
- Extensible to additional financial products and services
Technology Stack (Representative)
- Compliance & Identity: SumSub
- Payments Infrastructure: Currencycloud (Visa), ClearBank
- Backend Systems: Enterprise databases, custom automation services
- CRM: Fully integrated lifecycle management system
- Automation & Orchestration: Custom workflow engines
- Monitoring & Analytics: Operational dashboards, audit logs
Result:
A fragmented, manual-heavy payments operation was transformed into a fully automated, compliance-ready platform.
The institution now operates with:
- Minimal manual intervention
- High process reliability
- Scalable infrastructure for global growth
This establishes a future-proof operational foundation, where automation—not headcount—drives scale.
What This Means for Your Business
The challenges solved here are not unique to financial services.
Organizations in logistics, fintech, and operations-heavy industries face the same patterns:
- Manual handling of high-volume transactions and workflows
- Fragmented onboarding and compliance processes
- Teams focused on routine tasks instead of exceptions
- Systems that don’t integrate, creating operational friction
The approach remains consistent:
- Map processes as they actually operate
- Identify where manual work replaces missing automation
- Integrate—not replace—existing systems
- Reduce manual touchpoints with measurable outcomes
The result is scalable infrastructure that grows with your business—without scaling operational complexity.