PAS-RKYC
Individual Re-KYC & Consequence Management
An end-to-end journey from pre-due notifications and reminders through policy-governed consequences, verification and automatic reactivation once requirements are satisfied.
The Closed Loop
Not a notification system. Not a blocking system. A closed loop.
- T-60
Notification
The customer is notified that their periodic review is approaching its due date.
- T-30
Reminder
A second reminder if the customer has not yet responded.
- T-7
Final Notice
A final warning before the due date.
- Due Date
Policy Evaluation
The system evaluates the file's status against configured rules and approved policy.
- Overdue
Governed Restriction (where applicable)
A restriction on the relevant services is applied only under the institution's approved policy — never an independent system decision.
- Customer Action
Re-KYC Completed
The customer completes the required steps.
- Verification
Requirements Satisfied
The submitted data and documents are verified.
- System
Restriction Released
The moment approved conditions are met, eligibility is automatically restored without waiting on manual intervention.
- Status
ACTIVE
The account is active, the customer is notified, and an audit event is created.
Illustrative timeline — timings are configurable according to institutional policy, not a fixed regulatory requirement.
THE CHALLENGE
Refresh dates can pass unnoticed, with overdue cases discovered only during audit — and even where a notice exists, a non-responsive customer needs a governed path for what happens next: restriction where warranted, then reliable reactivation the moment requirements are met, without every case becoming a manual burden on staff.
The consequence-management half of this solution draws on the founder's prior professional experience in designing and delivering a banking Re-KYC consequence-management model — covering customer notifications, reminders, policy-driven consequences, and reactivation after successful completion — before PAS was founded, and not attributed to PAS's own corporate track record.
CURRENT OPERATING STATE
- Refresh dates tracked on a separate sheet
- Reminders stop at the notice, with no governed path for what follows
- Releasing a restriction relies on manual follow-up, case by case
WHAT CHANGES
- The system opens the task before the due date, through a graduated notification chain: first notice, reminder, additional reminder, final warning
- At due date without response, a governed action applies under approved policy — restricting the relevant services where warranted
- The moment the customer completes and verifies the requirements, eligibility is automatically re-evaluated and the restriction is released without waiting on manual intervention
THE DIGITAL JOURNEY
- 01Approaching due date— T-60, configurable
- 02Customer notified
- 03Data updated
- 04Reminder
- 05Final notice
- 06Due
- 07Governed restriction where applicable
- 08Requirements completed
- 09Verified
- 10Reactivated
AUTOMATION
- Tasks open automatically before the due date
- A notification engine across the institution's approved, actually-available digital channels
- A configurable rules engine by due date, grace period, customer type, segment, and risk
- Automatic eligibility re-evaluation and reactivation once approved conditions are met
GOVERNANCE
- No extension without appropriate authority
- Any restriction or consequence is executed only according to approved institutional policy, configured rules, customer status and applicable regulatory requirements.
- Every rule is configurable, versioned, auditable and approved, with an effective date where relevant
EXCEPTIONS
- Verification failure or integration failure
- Joint account, legal restriction, or special status
- Customer dispute or a manual-override request
MANAGEMENT VISIBILITY
- Files due this month
- Customers approaching due date, overdue, and restricted
- Automatic reactivations versus manual interventions
- Open exceptions and integration failures
HUMAN DECISIONS
- Approving an exception or manual override outside the configured rule
- Resolving a customer's dispute over an applied restriction
Let the system handle repetitive work. Let people focus on the work that requires people.
RELATED PAS CAPABILITIES
The PAS team can provide the appropriate material on request.
THE NEXT STEP
Would you like to explore this solution in more depth?
Would you like to see how the consequence cycle runs from the first notice to reactivation?