How It Works

From client invitation
to complete file. In hours.

SkimPath handles everything between a client expressing interest and your underwriter opening a complete, clean, compliant file.

Step 01
🚪
Invitation Sent
Your team sends a personalised link from your CRM or portal. SkimPath takes over — 24/7, no delays.
→
Step 02
💬
Intelligent Intake
The AI agent guides clients through dynamic questions that adapt in real time — individual or business, simple or complex.
→
Step 03
📋
Smart Document Collection
Exact document checklist generated automatically. Uploads via web, mobile, or WhatsApp. Missing docs chased automatically.
→
Step 04
🔍
Document AI Reading
Every document read instantly — passports, certificates, bank statements. Data extracted, validated, and cross-checked.
→
Step 05
🗂️
Ownership Mapping
Business ownership structures traced and mapped automatically. All beneficial owners identified and verified simultaneously.
→
Step 06
🔌
Screening Orchestration
We run every required KYC, AML, and business verification check on your behalf — fully automated, with a complete audit trail on every case.
→
Step 07
📦
File Assembly
Everything packaged into a complete, audit-ready file — data, documents, ownership map, screening results, risk classification.
→
Step 08
🏦
Your Team Decides
Your underwriter receives a complete, packaged results summary with everything needed to make their decision — all data, documents, screening results, ownership map, and risk classification in one place. No hunting. No re-keying.
Features

Everything you need.
Nothing you don't.

💬
Conversational AI Intake
Dynamic questions that adapt to entity type, jurisdiction, and product. Business clients get different questions than individuals. Complex structures get the right depth.
📄
Document Intelligence
AI reads every uploaded document instantly. Extracts all relevant fields. Cross-references against stated information. Specific rejection messages, not generic errors.
🗂️
Beneficial Ownership Mapping
Automatically traces and maps complex ownership structures. Triggers individual KYC for each beneficial owner simultaneously — dramatically cutting time on multi-owner entities.
🔌
API Orchestration Layer
Connects to your existing screening providers and delivers their results as one coherent package. Keep the tools you trust — we make them work together seamlessly.
📊
Audit-Ready Compliance Trail
Every check timestamped. Every decision documented with reasoning. Every file regulator-ready from the moment it is assembled. No black box. Full explainability.
⚡
Direct System Integration
Completed files delivered directly into nCino, Salesforce, or your core banking system via API. Or PDF export if you prefer. No manual re-entry ever.
Comparison

SkimPath vs the alternatives.

Capability
SkimPath
Manual Process
Point Solutions
End-to-end onboarding automation
✓ Full coverage
✗ None
~ Partial
Document AI reading & validation
✓ Instant
✗ Manual
~ Basic OCR
Beneficial ownership auto-mapping
✓ Automated
✗ Manual
✗ None
Existing screening API integration
✓ Keep your providers
✗ Fragmented
~ Replaces them
Regulator-ready audit trail
✓ On every case
~ Ad hoc
~ Varies
Time to complete business onboarding
✓ 4–6 hours
✗ 6–8 weeks
~ 2–4 weeks
IT integration required
✓ Light-touch API
✓ None needed
✗ Major project
FAQ

Questions compliance and
ops leaders always ask us.

Do we have to replace our existing screening providers? +
No. SkimPath connects to the identity verification, AML screening, and business verification providers you already use and trust. We orchestrate their results — we do not replace them. You get more value from the tools you are already paying for.
How does this work with our core banking system? +
SkimPath delivers the completed onboarding file directly into your system via API — whether that is nCino, Salesforce, a custom core system, or a simple PDF export. We build the connector once and it works from there.
Who makes the final decision on an account? +
Always your team. SkimPath prepares the file completely and classifies the risk level — but the final approval or decline is always made by your underwriter or compliance officer. Regulatory accountability stays where it belongs.
Is this compliant with BSA, FinCEN CDD, and AML requirements? +
SkimPath is built specifically to support BSA, FinCEN CDD, USA PATRIOT Act, and OFAC compliance requirements. Every check is timestamped, every decision documented, and every audit trail is complete and regulator-ready.
What happens with complex or high-risk cases? +
Complex ownership structures, high-risk classifications, and screening flags are routed to a human specialist review queue — with the full file already assembled and context clearly documented. Your specialist investigates, not gathers.
How long does it take to go live? +
Most institutions are live in as little as 1 week. There is no large IT project required — if you have API access to your core systems and screening providers, we can connect quickly. We handle the integration setup and provide full onboarding support for every early access partner.