Caso de Éxito: Prevención de Lavado de Dinero (AML) y KYC
A fintech operating in the Brazilian market faced the challenge of scaling its Anti-Money Laundering (AML) and KYC (Know Your Customer) processes amid rapid customer base growth. The existing model, heavily dependent on manual review, limited expansion capacity and increased operational costs.
The KYC process involved complex validation rules, integration with multiple data sources, and human review of a large portion of requests. As volume increased, maintaining manual analysis as the primary decision mechanism became operationally inefficient.
The Challenge
The main critical points identified were:
- Rapid growth in the number of users to be analyzed
- High dependence on manual review
- Need to maintain regulatory compliance and traceability
- Integration with existing legacy systems
- Pressure for faster onboarding processes
The fintech needed to automate the process without compromising control, security, or adherence to internal policies.
The Implemented Solution
CADS Digital implemented the Decisions platform as the rules engine and automation layer for the KYC process, structuring decision flows based on business rules, data inputs, and controlled exceptions.
Decisions was integrated with the company’s existing validation and monitoring systems without requiring technological replacement. The analysis began to be executed automatically, with consistent rule application and cross-referencing across multiple databases.
Only cases that did not meet predefined criteria were routed for human review, significantly reducing manual workload.
Results Achieved
Automating the KYC process delivered measurable operational impact:
- 10x increase in the number of users analyzed, without proportional team expansion
- Approximately 85% reduction in manual review needs, focusing human effort only on exceptions
- Annual operational savings equivalent to 4,000 working hours, resulting in a 33% annual ROI
- Standardized decision-making, with improved consistency and audit traceability
- Reduced processing time for requests, improving business responsiveness
The automation of the first workflow alone was sufficient to financially justify the platform investment, with recurring gains in subsequent cycles.
Implementation and Evolution
The solution was deployed to production within a few weeks, using an incremental, process-driven approach. After the initial rollout, the company began using the platform as a foundation for continuous adjustments to KYC rules and for expanding automation into other internal workflows.
The result was a scalable operation, with greater control over critical decisions and reduced dependence on manual effort.