Automating KYC/KYB for a highly regulated foreign bank
HBL Bank UK needed a more scalable and consistent way to manage complex KYC/KYB and client reviews across a diverse client base. This case study shows how Atfinity delivered a phased, automated due-diligence solution that strengthened compliance, reduced manual work, and improved operational efficiency.
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Delivered through phased automation.
Automated KYC/KYB and client reviews.
Consistent compliance with UK and HQ standards.
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Handling complex due diligence under strict regulation
HBL Bank UK operates in one of the most demanding regulatory environments in the world while also adhering to governance requirements from its international headquarters.
The existing processes were manual, email-based, and inconsistent across client types.
This created high operational effort, increased compliance risk, and made it difficult to apply policies uniformly for commercial, wealth a nd retail clients.
The bank needed a fit-for-purpose, scalable and policy-driven approach that could support risk-based CDD, complex corporate structures, and ongoing lifecycle reviews without expanding the team.
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A structured and fully digitised due-diligence journey
HBL Bank UK selected Atfinity to implement an automated and adaptable KYC/KYB framework that could evolve over time.
Key elements included:
- A guided due-diligence journey covering KYC/KYB, document collection, and structured approvals.
- Automated rules ensuring consistent application of UK regulations and HQ-level guidelines.
- Digital workflows that adapt dynamically to client type, risk category, and jurisdiction.
- A phased expansion from onboarding to periodic reviews and broader lifecycle management.
- Rapid configurability enabling quick updates to regulatory or internal policy changes.
This progressive automation approach allowed HBL Bank UK to modernise its compliance operations without large IT projects or organisational disruption.
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Faster, more consistent KYC/KYB
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Improved efficiency
Digital workflows cut manual effort across compliance and front-office teams, significantly speeding up their processes.
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Reduced compliance burden
Automated business rules reduce back-and-forth, minimise errors, and ensure policies are applied uniformly across client segments.
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Greater operational consistency
Structured journeys and embedded regulatory logic support high-quality, audit-ready due diligence.
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Scalable across the organisation
HBL Bank UK continues to expand its use of Atfinity – from compliance automation to managing the full lifecycle.
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About HBL Bank UK
HBL Bank UK is a foreign bank serving commercial, wealth, and retail clients across the UK. Operating under strict UK regulatory requirements and group-level standards, the bank sought a scalable and consistent way to manage onboarding, due diligence, and client review processes as it modernised its operations.
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