Move from point-in-time checks to a live view of customer risk

Ask customers for information only when it is needed, and only for the evidence required to complete the compliance outcome. Targeted outreach helps reduce repeat requests, avoid unnecessary friction and create smoother digital-first journeys across onboarding, review and in-life customer management.

Bring customer data, identity signals, screening outcomes, risk indicators and supporting evidence together in one operating model, so teams can make clearer, more consistent decisions and maintain a stronger audit trail across the customer lifecycle.

Route tasks, approvals, reviews, escalations and enhanced due diligence through Experian CLM, helping compliance teams manage activity consistently, reduce operational bottlenecks and evidence what happened at each stage of the decision process.

Identify the customer data, screening or risk changes that matter, refresh the Customer Risk Assessment where required and trigger proportionate action when risk genuinely needs attention. This helps teams move towards a more event-driven model, reducing reliance on calendar-led reviews and repeated customer contact.

Reduce rework, duplicate handling, avoidable customer outreach and low-value review activity, helping compliance teams operate more efficiently while maintaining strong financial crime controls.

As customer volumes, products, channels and transaction activity increase, financial crime controls need to keep pace without slowing every journey. Experian supports configurable onboarding, screening, risk assessment and approval workflows, helping banks manage growth while maintaining proportionate control.

Correspondent banking, cross-border activity, complex ownership structures, UBOs, PEP exposure and higher-risk customer segments require stronger evidence, clearer workflow and more consistent escalation. Experian helps banks go beyond confirming that a customer or business exists, by evidencing who they are, who controls or is connected to them, where risk sits and how that risk changes over time. This maintained view supports enhanced due diligence where it is needed.

Sanctions, PEPs, watchlists and adverse media screening should not sit separately from the customer risk process. Experian Screening helps connect screening outcomes to review, disposition, case management and audit, so potential matches can be assessed, evidenced and reflected in the customer risk view.

Banks need to verify customers and refresh information without creating unnecessary friction or repeated outreach. By using trusted data, digital journeys and targeted evidence requests, Experian helps teams ask for information only when it is needed and only for the compliance outcome required.

For some banks, annual KYC remediation spend can exceed £100m, driven by manual file reviews, vendor support, customer outreach and repeated remediation cycles. Experian helps reduce rework by connecting data, workflow, outreach, approvals, MI and audit, enabling teams to focus effort on the cases where risk, policy or missing evidence genuinely requires action.