Remediation and back-book refresh technology
Agora is a technology provider. The CDD Platform gives your remediation or back-book refresh programme a single engine to ingest the customer population in bulk, work out what is actually missing, cleanse, enrich and re-screen at scale, route the exceptions through your own review workflow, and leave completion evidence a supervisor can read.
- Ingest and reconcile the in-scope population from your existing systems.
- Automated gap identification against your remediation data standard.
- Registry, ownership and screening refresh run in batch, not case by case.
- Completion evidence assembled as the work runs, not reconstructed afterwards.
Why remediation programmes stall
Most remediation programmes do not fail on effort. They fail because nobody can state, with evidence, what is missing across the population before the work starts. Scope is estimated from a sample, the sample turns out not to be representative, and the programme discovers its real size halfway through delivery.
The second failure mode is fragmentation. Population data sits in one system, screening in another, documents in a third, and the review record in a spreadsheet. Each hand-off loses provenance, so at the end of the programme the firm can show that files were touched but struggles to show what was checked, against which standard, with what evidence, and who accepted the outcome.
The third is that everything is treated as an exception. If the technology cannot resolve ownership, refresh registry data and clear screening matches automatically where the rules allow, every single file lands in a human queue regardless of whether it needed a human at all.
What the technology does
These are platform capabilities operated by your own teams. Agora supplies the technology and the configuration, not review capacity.
Population ingestion and reconciliation
Load the in-scope population from your core systems by structured upload or integration, reconcile duplicates and related entities, and hold the scope as a controlled, versioned set rather than a moving spreadsheet.
Gap identification and data completeness
Assess every record against the data standard you configure, by customer type and risk rating, and produce a gap profile for the whole population before delivery starts, so scope is measured rather than estimated.
Automated enrichment
Refresh entity details, nature of business and ownership chains from official registries and configured data sources, so that files needing nothing more than current registry data do not consume review effort.
Ownership resolution at population scale
Rebuild recursive ownership structures to your configured beneficial ownership threshold, flag where the chain cannot be resolved from available sources, and record the basis on which control was determined.
Batch screening refresh
Re-screen the population for sanctions, PEP and adverse media exposure with your matching rules applied before alerts are raised, so the exception queue reflects your risk appetite rather than raw vendor output.
Configurable remediation workflow
Route records by segment, risk rating and gap type into the queues your operating model defines, with status management, escalation, rework and SME referral configured to your process.
Outreach where the gap needs the customer
Where information can only come from the customer, the outreach portal supports structured requests and document return, with chase status tracked against the case rather than in a mailbox.
Quality control built into the flow
Sampling, checklists, defect capture and recheck loops run inside the same workflow, so quality results attach to the record and feed programme reporting directly.
Programme management information
Progress, exception volumes, gap categories, ageing, defect rates and outstanding outreach reported from the live record set rather than a weekly manual return.
Transition to business as usual
Remediated records carry forward into ongoing review, so the refreshed population is kept current by trigger-led and periodic review instead of decaying until the next programme.
A note on what “manual intervention” means here
Throughout this page, manual intervention points mean steps in your process where an accountable person in your firm has to look, judge or approve. They are not an offer of people from Agora. Designing those points deliberately is what makes an automated remediation programme defensible.
Where remediation sits in the wider platform
Remediation is one use of the same engine that runs new customer onboarding and ongoing review. The full lifecycle view, including onboarding, enhanced due diligence, identity verification, screening and audit evidence, is on the CDD platform page. Once the population has been brought to a common standard, it is maintained through periodic and perpetual KYC rather than left to drift until the next programme. The operating model around it is covered on the KYC workflow and quality assurance pages, and the rating that drives prioritisation on the customer risk assessment page.
Controls and evidence
Remediation is judged after the fact, usually by someone who was not there. The platform is built so the record explains itself.
Versioned remediation standard
The data standard, risk model and decision rules applied to each record are versioned, so a reviewer can see which standard was in force when a file was completed.
Source provenance on every field
Enriched and refreshed data carries its source and retrieval date, so nothing in the completed file is unattributed.
Decision and override records
Where a human departs from the automated outcome, the platform records who, when, on what basis and with what approval.
Exportable completion evidence
Each remediated case exports as a structured pack covering what was checked, what was found, what was decided and by whom, suitable for internal audit or supervisory review.
Segregation of review and quality control
Workflow roles keep review, quality control and approval separate, and the platform records which role performed each action.
What firms use it to achieve
Firms use the platform to change the shape of the programme rather than simply to process it faster.
- Scope established from the whole population before delivery commits, instead of from a sample.
- Effort concentrated on genuine exceptions, because records that can be resolved from registry, ownership and screening data are resolved automatically.
- A single record of the programme, rather than evidence spread across case systems, mailboxes and spreadsheets.
- Consistent application of one remediation standard across segments and review teams.
- Completion that can be evidenced file by file, and a remediated population that moves into ongoing review rather than starting to decay.
Implementation considerations
- Population extract quality determines how much of the programme can be automated; an early data assessment is usually the first activity.
- The remediation data standard needs to be agreed and signed off before configuration, by customer type and risk rating.
- Screening matching rules should be calibrated and tested before the batch refresh runs, or the exception queue will be shaped by vendor defaults.
- Outreach capacity, tone of voice and chase cycles are firm decisions; the platform supports the process, it does not contact your customers on your behalf without your configuration and approval.
- Decide at design time where remediated records land in business as usual, or the programme ends without a destination.
Related practitioner guidance
The control expectations behind this page are set out in our practitioner guidance, which keeps regulation and Agora interpretation clearly apart.
KYC remediation: how to modernise customer file remediation
Triggers, prioritisation, enrichment, outreach, quality control and audit evidence.
When should existing customer due diligence be updated?
Source-backed answer on the circumstances that require a CDD refresh.
Building a regulator-defensible CDD audit trail
What a reviewer needs in order to reconstruct a completed decision.
Beneficial ownership and KYB
Resolving ownership chains and evidencing control where ownership is opaque.
Frequently asked questions
What is KYC remediation software?
KYC remediation software is the technology a regulated firm uses to bring an existing customer population, the back book, back up to its current due diligence standard. It ingests the in-scope population, measures each record against the data standard, cleanses and enriches what it can from registry and configured sources, resolves ownership, re-screens for sanctions, PEP and adverse media exposure, routes what is left through a review workflow, and assembles the evidence that each file was completed.
Does Agora provide remediation analysts or a managed review team?
No. Agora is a technology provider. We supply and configure the platform your teams use to run the programme; review, approval and accountable decisions remain with your firm.
How is the in-scope population loaded?
By structured data upload or integration with your existing systems, depending on what your architecture supports. The scope is then held as a controlled, versioned set inside the platform.
How does the platform reduce the number of files that need a reviewer?
Records that can be resolved from current registry data, resolvable ownership chains and screening cleared under your own matching rules are completed without a human queue. Files reach a reviewer where the data standard cannot be met from available sources, where ownership cannot be resolved, where a screening match needs a decision, or where your rules require a person by design.
Can our own screening and data providers be used?
The platform is provider-agnostic. Firms can keep existing identity verification, screening and data providers, use the ones we supply, or consolidate over time.
What if the missing information can only come from the customer?
The outreach portal supports structured information and document requests, with return, chase status and receipt tracked against the case rather than in a mailbox. Outreach content, tone and chase cycles are configured and approved by your firm.
What evidence does the programme produce?
Each remediated case exports as a structured pack covering what was checked, the source and retrieval date of each item, what was found, what was decided, under which version of the remediation standard, and by whom. Overrides record the basis and the approval.
What happens to the population when the programme finishes?
Remediated records can carry forward into ongoing review, so the refreshed data is maintained by trigger-led and periodic review rather than left to age until the next remediation exercise.
Next step
Scope your remediation against the technology
Start with the free KYC Remediation Technology Assessment for an indicative view of complexity and technology requirements, or go straight to a working session on your own population, data and control model.