Fictional specimen. All companies, people, excerpts and capture times in the case are simulated. No registry or screening run was performed for this example. It contains no customer case data and does not establish service performance.
Prepared to explain the review format. Recommendations are illustrative; the customer retains the final decision. This self-contained HTML needs no scripts, fonts or network resources and can be printed or saved as PDF.
Illustrative. Everything on this page is fictional: Kestrel Freight Ltd, Northgate Holdings Ltd, Daniel Okafor, the analyst Alex, every excerpt, every date and every time. It shows the format of a Sweat AI review. It does not describe a real company, person or customer case.
Sweat AI is an AI-native BPO for banks and fintechs, starting with back-office workflows like KYB, onboarding and fraud reviews. This page walks through one fictional KYB review the way your approver would read it, with notes on why each part is there. It uses the same fictional case as our homepage.
Kestrel Freight Ltd, a freight forwarder, applies for a business account with outbound payments. The application names one shareholder above 25 percent, Northgate Holdings Ltd with 60 percent, and a managing director as the control person. It arrives on a Friday evening and goes to the manual review queue because the automated check could not resolve an individual beneficial owner behind the corporate shareholder.
Alex, a KYC analyst at Sweat AI, picks it up overnight.
The first thing your approver sees:
| Field | Value (illustrative) |
|---|---|
| Applicant | Kestrel Freight Ltd |
| Product applied for | Business account with outbound payments |
| Analyst | Alex |
| Review completed | Saturday, 02:40 UTC |
| Recommended disposition | Pause pending documents |
| Overall risk | Moderate, pending items 1 to 3 |
| Identity confidence (entity) | High: registry record matches name, number and address |
| Beneficial owners identified | Daniel Okafor, 31.2% indirect through Northgate Holdings Ltd |
| Open requests | 4 items, one consolidated list |
Why this is here: the approver should know the recommendation and the reason before reading anything else. Identity confidence is marked high only because a government registry record supports it; the applicant's own website could not establish that on its own.
Each finding follows the same shape: what we found, the source excerpt it rests on, when the source was captured, and what the source cannot tell you.
Why this is here: the excerpt and capture time let you show later exactly what the registry said when we read it, even if the record changes.
Why this is here: 31.2 percent is above the 25 percent ownership threshold in the US CDD rule, which counts individuals who own 25 percent or more "directly or indirectly" (31 CFR 1010.230). Your policy sets your threshold; the packet shows the arithmetic so your team can apply it. Some policies also treat a majority holder of an intermediate company as controlling that company's whole stake, so the packet shows both figures: 52 percent of Northgate, and 31.2 percent of Kestrel by multiplication.
| Level (illustrative) | Holder | Holds | Share of Kestrel |
|---|---|---|---|
| Individual | Daniel Okafor | 52% of Northgate Holdings Ltd | 31.2% indirect |
| Shareholder | Northgate Holdings Ltd | 60% of Kestrel Freight Ltd | 60% direct |
| Applicant | Kestrel Freight Ltd |
Why this is here: the packet records what was read and when, so a later list update can be checked against the exact version used.
Why this is here: a same-name hit is recorded and resolved in the open, with the identifier that ruled it out, so your approver does not have to redo the search.
Why this is here: gaps are listed as gaps. Nothing missing is quietly treated as a pass.
One list for the applicant, drafted for your team to send. Each item says why it is needed, what counts as acceptable and what it enables.
| # | Request | Why it is needed | Acceptable evidence | What it enables |
|---|---|---|---|---|
| 1 | Current shareholder register of Northgate Holdings Ltd, or a signed ownership declaration dated this month | The only ownership record is eleven months old | Register extract or declaration showing Daniel Okafor's current holding | Confirms the 31.2% indirect figure is still current |
| 2 | Identity verification of Daniel Okafor through your usual flow | He is a beneficial owner above threshold and was not named on the application | A completed check in your IDV tool | Completes beneficial ownership requirements |
| 3 | Proof of the trading address at Bay 12, Northfield Logistics Park | The website lists a different address from the registered office | Lease, utility bill or similar, dated within your policy window, in Kestrel's name | Resolves the address discrepancy |
| 4 | Expected monthly outbound volume and destination countries | Needed to set the expected activity profile | Applicant's written answer | Sets the baseline for ongoing monitoring |
We did not ask for anything we could read ourselves: the certificate of incorporation, officer lists and Kestrel's own shareholder filing were already on the registry.
Recommended disposition: pause pending documents (illustrative). Reason: a beneficial owner above threshold was identified who was not declared on the application and has not completed identity verification, and the ownership record is eleven months old. If items 1 to 3 arrive and meet the acceptance criteria above, the analyst expects to recommend approval with a condition: review of outbound payment corridors against item 4 after the first 90 days. Prepared by: Alex, KYC analyst, Sweat AI.
Why this is here: the recommendation is one typed field with one reason. A bare "approve" cannot sit next to outstanding checks; that is what "approve with conditions" and "pause" exist for.
The decision is yours. Sweat AI does not approve, decline or onboard anyone. Your approver reads the packet, decides, and records the decision in your system.
A completed packet can be saved as a self-contained HTML file with the report text, source excerpts, hashes, capture times, locators, screening records and review status, which your browser can print or save as PDF. Original private documents are not embedded in the export.
This sample is illustrative. The real test is a batch of your own applications. Talk to us about reviewing a first set, see how it works, or read about the full KYB review service and our 24/7 coverage.