Re-KYC Runner · Architecture
How it works
Accounts due
1,842
this cycleNotifications sent
3,280
SMS + email + pushDocs validated
946
37 discrepanciesVKYC completed
128
avg 4.2 daysCompletion rate
84%
412 pendingAgent pipeline6 modules · 5 LLM decision points
🔎Due Account IdentificationScans CBS for accounts approaching or past KYC due date. Groups by risk category.
📥CBS / CKYC Data PullFetches existing customer record from CBS and latest CKYC from CERSAI registry.
🪪DigiLocker Auto-FetchRequests OVD documents from DigiLocker with customer consent. Falls back to CKYC or branch.
✅Document ValidationCompares extracted fields against CBS master, flags discrepancies, decides accept/reject/escalateLLM
📹Video KYC / Branch VisitFace match + liveness scoring, generates verification summary for ops reviewLLM
📋Record Update & ComplianceGenerates compliance summary, drafts CKYC upload payload, flags residual risksLLM
Risk categories19,800 accounts
Status distribution3,503 cases
Identified
412
Notified
680
In Progress
524
Verified
1,842
Escalated
37
Frozen
8
Case queue
10 cases
| Customer | Account(s) | Risk Category | Last KYC | Due Date | Method | Doc Status | Face Match | Status | Last Action |
|---|---|---|---|---|---|---|---|---|---|
Ananya Sharma CUS-88201 | SA-4420100FD-7710234 | Low Risk | 2016-03-14 | 2026-03-14 | DigiLocker | verified | 96% | Verified | Auto-verified via DigiLocker + face match 2d ago |
Ravi Krishnan CUS-88202 | CA-5530210 | Medium Risk | 2018-07-22 | 2026-07-22 | CKYC Pull | fetched | -- | In Progress | CKYC record pulled — awaiting document validation 4h ago |
Fatima Begum CUS-88203 | SA-4420301SA-4420302 | High Risk | 2024-09-10 | 2026-09-10 | Video KYC | validated | 91% | In Progress | VKYC scheduled — customer confirmed slot 15 Sep 3 PM 1d ago |
Vikram Patel CUS-88204 | SA-4420401 | Low Risk | 2015-11-28 | 2025-11-28 | DigiLocker | discrepancy | 62% | Escalated | Name mismatch — DigiLocker vs CBS record. Sent for ops review 6h ago |
Sunita Reddy CUS-88205 | CA-5530501OD-6620102 | Medium Risk | 2018-01-05 | 2026-01-05 | Branch Visit | pending | -- | Notified | SMS + email sent — branch visit reminder for Jan 2026 3d ago |
Arjun Mehta CUS-88206 | SA-4420601FD-7710602FD-7710603 | High Risk | 2024-06-18 | 2026-06-18 | Video KYC | verified | 98% | Verified | VKYC completed, EDD cleared, CKYC updated 5d ago |
Priya Nair CUS-88207 | SA-4420701 | Low Risk | 2014-04-12 | 2024-04-12 | DigiLocker | pending | -- | Identified | Account flagged as overdue — notification queued 1h ago |
Mohammed Iqbal CUS-88208 | CA-5530801 | High Risk | 2024-02-28 | 2026-02-28 | Video KYC | discrepancy | 44% | Frozen | Face match below threshold — partial freeze applied, ops head notified 12h ago |
Deepika Joshi CUS-88209 | SA-4420901RD-8820102 | Medium Risk | 2018-12-01 | 2026-12-01 | CKYC Pull | validated | 89% | In Progress | Income proof validated — pending final sign-off 2h ago |
Rajesh Gupta CUS-88210 | SA-4421001 | Low Risk | 2016-08-20 | 2026-08-20 | DigiLocker | fetched | -- | In Progress | DigiLocker docs fetched — OCR extraction running 30m ago |
LLM decision points5 reasoning steps
Due Account IdentificationDetermines which accounts are approaching or overdue for re-KYC based on risk category intervals and grace periods.
INCBS account list, risk category, last KYC date, grace period rules
OUTPrioritised due list with urgency tier and recommended channel
Document ValidationCompares OCR-extracted fields from submitted documents against the CBS master record. Detects name, address, DOB, and photo mismatches.
INExtracted document fields, CBS master record, historical KYC records
OUTMatch/mismatch report, confidence score, accept/flag/reject recommendation
Discrepancy ResolutionWhen a mismatch is found, reasons over possible causes (transliteration, name change, address update) and recommends resolution path.
INMismatch details, customer history, prior KYC records, name-change requests
OUTResolution recommendation: auto-accept with reason, request additional doc, escalate to ops
Face Match & LivenessInterprets face-match and liveness scores from the biometric engine. Decides pass, re-attempt, or escalate based on thresholds and context.
INFace match score, liveness score, photo quality metrics, customer risk profile
OUTPass/re-attempt/escalate decision with reasoning, ops summary if escalated
Communication GenerationDrafts personalised SMS, email, and push notifications for KYC reminders, instructions, and escalation notices in the customer's preferred language.
INCustomer profile, preferred language, due date, verification method, attempt history
OUTTemplated message with personalised fields, channel selection, send-time recommendation
Compliance guardrailsAll enforced · RBI + PMLA
✓
RBI KYC Master Direction 2016 — mandatory re-KYC intervals by riskDue-date engine enforces 2/8/10-year cycles. 30-day grace period before freeze trigger.
✓
Aadhaar Act — explicit consent, no storage post-verificationDigiLocker flow captures consent token. Raw Aadhaar XML purged after OVD extraction; only masked number retained.
✓
PMLA Rules — CDD records retained 5 years, enhanced monitoring for high-riskAll KYC evidence archived for 5 years in immutable store. High-risk accounts flagged for ongoing transaction monitoring.
✓
Video KYC Guidelines — geo-tagging, full recording, trained officialVKYC sessions auto-record with GPS stamp. Only certified officials can conduct sessions. Recordings retained per RBI circular.
✓
Account Freeze Protocol — 30-day notice, partial then full freezeSystem sends 30-day advance notice. Day 31: partial freeze (credits only). Day 61: full freeze. Ops head sign-off required.
✓
Human-in-the-Loop — ops head sign-off for freeze and identity discrepanciesAny account freeze or identity mismatch escalated auto-routes to ops head queue. No auto-action on freeze without human approval.
Connectors required9 integrations
CBS (Core Banking)Master customer record, account details, KYC dates, risk classification
REST API / JDBCBidirectional
CKYC Registry (CERSAI)Central KYC — fetch existing record, upload updated KYC after verification
XML / SFTPBidirectional
DigiLockerConsent-based OVD fetch — Aadhaar, PAN, driving licence, voter ID
OAuth 2.0 + RESTPull
Video KYC PlatformLive video session, geo-tagging, screen recording, trained official interface
WebRTC + RESTBidirectional
OCR & Face Match EngineDocument OCR extraction, face comparison against photo-on-file, liveness detection
REST APIRequest/Response
Notification GatewaySMS, email, and push notifications for KYC reminders and escalation alerts
REST + WebhooksOutbound + Delivery
CRM (Salesforce)Customer interaction history, branch visit scheduling, case management
REST APIBidirectional
Regulatory ReportingRBI returns, STR filing, KYC completion reports, audit trail export
SFTP / APIWrite
LLM APIClaude API — document validation reasoning, discrepancy resolution, communication drafting
HTTPSRequest/Response
End-to-end agent workflowFull orchestration pipeline
Full re-KYC lifecycle from due-account identification through DigiLocker document fetch, LLM-powered validation, Video KYC with face match and liveness, discrepancy resolution, and the RBI account freeze/unfreeze protocol.
Workflow execution sequence
Node types & classificationsStartLLM Decision PointDecision GateEscalationOutcomeHuman-in-the-LoopProvision / Protocol