KYC is no longer just about identifying a customer — it’s about understanding their risk before onboarding and continuously over time.

But most financial institutions struggle with:

• Inconsistent risk scoring caused by rigid, rule-based systems
• High false positives from inaccurate screening systems that slow down customer onboarding
• Fragmented workflows across screening and risk assessment that create inconsistencies, duplicated effort, and blind spots — slowing reviews and increasing the chance of missed risk.
• Global regulations (FATF, AMLR/AMLD6, FinCEN CDD, FCA MLR 2017) now require deeper risk understanding, stronger justification, and more transparent decision-making — creating heavy operational strain
• Needing to scale onboarding without ballooning compliance costs

ThetaRay strengthens KYC processes by improving two pillars that matter the most:

1. Accurate customer risk profiling
2. Reliable, explainable customer screening for sanctions, PEPs and adverse media

ThetaRay does not perform identity verification. 

Instead, we enhance the risk assessment and screening stages of KYC. 

Customer Risk Assessment

• Provides consistent, fair and explainable customer risk profiles  
• Adapts dynamically using behavior, patterns and relationships to update the risk score
• Reduces unnecessary EDD by focusing on real risk, not noise 
• Ensures regulators can understand and trust the methodology 

Customer Screening

• Screens customers accurately against sanctions, PEP, and adverse media lists 
• Uses intelligent matching to reduce false positives without missing risk 
• Ensures no customer is onboarded while posing sanctions or reputational exposure 
• Maintains full transparency for audit and regulatory review