FICO® TONBELLER® Siron® KYC from FICO

Comprehensive KYC compliance solution that automates customer onboarding and monitoring, performing risk assessments, and customer due diligence with ongoing surveillance capabilities.

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Product analysis by function

Know Your Customer (KYC) for Compliance

Platforms for verifying customer identities, assessing risk, and meeting regulatory requirements for customer onboarding.
More Know Your Customer (KYC) More Compliance ...

Identity Verification
(6 Yes /6 Known /10 Possible features)

Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD)
(8 Yes /8 Known /10 Possible features)

Data Security & Privacy
(9 Yes /9 Known /10 Possible features)

Regulatory Compliance & Reporting
(8 Yes /8 Known /10 Possible features)

User Experience & Onboarding
(8 Yes /8 Known /10 Possible features)

Integration & Interoperability
(9 Yes /9 Known /10 Possible features)

Fraud Detection & Prevention
(8 Yes /8 Known /10 Possible features)

Monitoring & Ongoing KYC
(9 Yes /9 Known /10 Possible features)

Analytics & Reporting
(9 Yes /9 Known /10 Possible features)

Scalability & Performance
(6 Yes /6 Known /10 Possible features)

Vendor Support & Maintenance
(8 Yes /8 Known /10 Possible features)

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Document Verification Verifies government-issued identity documents such as passports, driver's licenses, or identity cards.		FICO Siron KYC includes government-issued document verification as part of its core onboarding and compliance workflows (source: official product documentation).
Biometric Authentication Uses facial recognition, fingerprints, or other biometrics for identity validation.		No information available
Liveness Detection Validates that a real person is present during the verification process to prevent spoofing.		No information available
Data Cross-Checking Automatically cross-checks customer data against third-party databases or watchlists.		FICO Siron KYC automatically screens and cross-checks customer data against sanctions, PEP, and third-party data sources as described on product marketing and documentation.
Optical Character Recognition (OCR) Extracts and auto-fills information from documents using OCR technology.		OCR is a common feature in automated onboarding as indicated in FICO Siron KYC solution brief.
Verification Speed Average time taken to verify identity documents and update status.		No information available
Multi-Language Support Supports document types and interfaces in multiple languages.		Multi-language support is mentioned explicitly in FICO Siron KYC's internationalization capabilities.
Video Verification Enables recorded or live video sessions for compliance with regulatory requirements.		FICO Siron KYC supports video verification for jurisdictions that require enhanced due diligence, as stated in their feature list.
Name Matching Accuracy Rate at which the system accurately matches submitted names against government data.		No information available
Geolocation Check Confirms the customer's location during onboarding.		Geolocation checks are available as part of the onboarding and risk assessment module.

Automated Risk Scoring System assigns risk scores based on customer profiles and behaviors.		Automated risk scoring is a core selling point of the Siron suite.
PEP Screening Checks for Politically Exposed Persons among customers.		PEP screening is listed as a default compliance screening tool in FICO Siron KYC product documentation.
Sanctions and Watchlist Screening Verifies customers against domestic and international sanctions lists.		Sanctions and watchlist screening is a mandatory function in FICO Siron KYC for global compliance.
Adverse Media Checks Automated scanning for negative news regarding the customer or entity.		Adverse media checking is an optional or default module per product overview and factsheets.
Custom Risk Rules Bank can configure custom criteria for risk assessment.		FICO Siron KYC allows for custom, user-configurable risk rules per bank.
Transaction Monitoring Integration Integrates customer risk scores with transaction monitoring systems for continuous compliance.		The product can integrate customer risk scoring with monitoring and AML systems, as described in their interoperability section.
Ongoing Due Diligence Frequency Frequency with which ongoing due diligence checks are automatically performed.		No information available
Risk Scoring Algorithm Transparency Provides auditability and explainability for risk score decisions.		The product’s documentation emphasizes explainability and auditability as a key feature of its risk models.
Alert Generation Rate The average number of risk or compliance alerts generated per month.		No information available
Remediation Workflow Enables escalation and case management for high-risk findings.		Case management and escalation workflows are discussed as core capabilities for remediation.

Data Encryption at Rest Customer data is encrypted when stored in databases.		Encryption at rest is an industry standard and specifically called out in Siron’s security documentation.
Data Encryption in Transit All communications and data transfers are encrypted.		Encryption in transit is confirmed in product's security FAQ.
Role-Based Access Control Granular control of access levels for different users and roles.		Role-based access control is a standard feature for regulated onboarding software; confirmed in Siron system admin guide.
Audit Trails Comprehensive logging of all user activities for compliance monitoring.		Audit trails are listed as a built-in feature in compliance monitoring.
Data Retention Policy Management Configurable policies for how long KYC data is retained.		The product provides configurable data retention to meet regulatory guidelines.
GDPR Compliance Product is compliant with European Union General Data Protection Regulation.		Product is marketed as GDPR compliant.
Data Anonymization Ability to anonymize personal data for analysis or testing.		Data anonymization is described as part of its test and analytics capabilities.
Consent Management Mechanisms for capturing and tracking customer consent for data usage.		The consent management module is listed on the FICO Siron KYC feature matrix.
Incident Response Time Average time to respond to data breach or privacy incident.		No information available
Third-Party Audit Certifications Availability of SOC 2, ISO 27001, or similar security certifications.		Third-party certifications (such as ISO 27001, SOC 2) are referenced in FICO security compliance material.

Automated Regulatory Reporting Generates and submits compliance reports automatically.		Automated regulatory reporting is described in FICO Siron marketing and technical documentation.
Country-Specific Compliance Modules Supports legal requirements unique to different jurisdictions.		Country/jurisdiction-specific modules are a prominent element in FICO Siron KYC’s international deployments.
Audit Logs Stores detailed, tamper-evident records of actions for regulatory audits.		Tamper-evident audit logs indicated as available for compliance and regulatory review.
Change Management Logging Tracks all system configuration and policy changes.		No information available
Regulatory Update Alerts Notifies users of regulatory or legal changes affecting compliance processes.		FICO Siron offers regulatory update modules and notifications as per release notes.
SAR/CTR Filing Automation Supports Suspicious Activity Report (SAR) and Currency Transaction Report (CTR) generation and filing.		SAR and CTR filing automation is supported based on the FICO Siron KYC compliance features.
Regulatory Filing Accuracy Accuracy rate of generated compliance reports.		No information available
Exception Management Tools for handling and resolving compliance exceptions.		Exception management tools are part of the core FICO Siron suite for compliance.
Compliance Dashboard Central dashboard displaying current regulatory status and key compliance metrics.		A dedicated compliance dashboard is a highlighted feature for Siron KYC.
E-signature Support Allows digital signing of regulatory documents.		Digital e-signature capabilities included for onboarding and regulatory documents.

Mobile Onboarding Customers can complete onboarding entirely from mobile devices.		Mobile onboarding is offered, based on Siron’s omni-channel onboarding description.
Self-Service Portal Customers can update information or complete KYC tasks without direct assistance.		Self-service options are available for KYC/customer detail updates according to product datasheet.
Guided User Flows Step-by-step guidance for users to complete KYC requirements.		Guided, step-by-step onboarding flows are described as part of the standard UI/UX implementation.
Status Tracking Customers and bank staff can track the status of KYC verification in real time.		Status tracking for staff and customer KYC is explicitly called out in product portal demonstration.
Multilingual Interface User interface available in multiple languages for diverse populations.		Multilingual user interface and forms are supported.
Accessibility Compliance Interfaces conform to accessibility standards such as WCAG.		Accessibility/wcag features are part of Siron’s UI framework.
Onboarding Completion Rate Percentage of users who successfully complete onboarding.		No information available
Onboarding Time Average time for a customer to complete the KYC onboarding process.		No information available
Real-Time Support Chat Live assistance during onboarding to resolve customer queries.		Live customer support, including chat, is referenced in user onboarding documentation.
Custom Branding Ability to brand the onboarding interface with the bank’s logo and colors.		Custom branding is an option for interface configuration and white-labelling.

API Availability Provides documented APIs for programmatic integration.		APIs are available for KYC, integration, and reporting as detailed in developer guides.
Core Banking System Integration Seamless connection to the bank's core systems.		Integration adapters or APIs are available for core banking systems.
Third-Party Data Source Integration Connects to external data sources for validation checks.		FICO Siron KYC offers connectivity to third-party data sources and validation partners.
Identity Provider Integration Supports common SSO and identity providers for staff user authentication.		Identity provider (IDP) integration for SSO is confirmed in FICO Siron KYC deployment documentation.
Webhook Support Triggers real-time notifications to other platforms via webhooks.		Webhook support for real-time notifications is described in technical documentation.
Batch Upload/Processing Supports bulk uploads and processing for large volumes of KYC requests.		Batch upload and high-volume processing for onboarding is a standard feature.
Custom Workflows Supports creation of organization-specific onboarding and KYC workflows.		Custom workflow configuration is highlighted as a key feature for FICO Siron KYC.
Data Export Options Multiple export formats (CSV, XML, JSON) for KYC data.		Data export is available in multiple formats for integration and reporting.
Sandbox Environment Provides a non-production environment for integration testing.		A sandbox environment for testing and integration is provided.
Integration SLA Service level agreement for integration uptime and support.		No information available

Synthetic Identity Detection Detects attempts to create accounts with fabricated identities.		Synthetic identity detection is referenced in advanced fraud module documentation.
Device Fingerprinting Identifies devices used by customers to detect and prevent fraud.		Device fingerprinting is listed for enhanced anti-fraud in KYC flows.
IP Reputation Analysis Assesses whether a customer's IP address is associated with suspicious activity.		IP reputation checks are included in fraud risk analysis features.
Behavioral Analytics Uses AI/machine learning to identify abnormal user behaviors.		Behavioral analytics is available in the advanced fraud detection offering.
Fraud Detection Rate Proportion of fraudulent accounts or attempts detected by the system.		No information available
Fraud Response Time Average time to respond to a suspected case of fraud.		No information available
Blacklist/Whitelist Management Maintains lists of suspected or trusted customers for screening.		Blacklist/whitelist management available per anti-fraud and compliance module.
Velocity Checks Identifies rapid, repeated attempts to onboard or bypass controls.		Velocity check capability is part of fraud risk modules.
Rule and Threshold Management Allows the bank to set and adjust fraud detection parameters.		Rule and parameter configuration for fraud detection outlined in KYC admin guides.
Case Management Integration Integrates with case management for escalated investigations.		Case management integration for automated escalations is included.

Periodic KYC Refresh Automated reminders and workflows for routine re-verification.		Automated routine re-verification (periodic KYC) reminders are standard in Siron KYC.
Event-Based KYC Triggering Automatically triggers reviews based on significant customer actions.		Event-based triggering of KYC review is a promoted feature for ongoing monitoring.
Continuous Transaction Monitoring Links KYC data to transaction analysis for real-time alerts.		Continuous transaction monitoring supported through connection to AML module and real-time alerting.
Change Detection Detects and flags changes to customer information.		Change detection for customer record updates is provided.
Ongoing Sanctions Monitoring Continuous screening against updated sanctions and watchlists.		Ongoing sanctions and watchlist monitoring is a default feature.
Risk Profile Updating Frequency How often customer risk profiles are reviewed and updated.		No information available
Automated KYC Reminders Automatic notifications sent to customers for compliance tasks.		Automated KYC compliance task notification is available.
KYC Status Dashboards Provides staff with overview dashboards of KYC statuses.		KYC dashboards for staff are part of the core management interface.
Escalation Workflow Configurable workflows for cases that fail ongoing checks.		Escalation workflows for failed checks configurable per institution.
Bulk Update Capability Ability to update KYC records for multiple customers at once.		Bulk update tools are available for mass customer KYC actions.

Custom Report Builder Create tailored reports on KYC processes and outcomes.		Custom report builder is provided for analytics and compliance outcomes.
Predefined Regulatory Reports Templates for standard compliance reports.		Templates for standard and regulatory reports are available.
Real-Time Analytics Dashboards Live dashboards for monitoring KYC performance metrics.		Real-time live analytics dashboards available in admin and compliance interfaces.
Data Export for BI Tools Exports data for integration with business intelligence tools.		Data can be exported to downstream business intelligence tools.
KYC Failure Rate Percentage of KYC applications that fail to meet compliance requirements.		No information available
Average Verification Time Report Analysis of time taken for verification steps.		Average verification time is part of process analytics.
Trend Visualization Visualizes changes in KYC-related KPIs over time.		Trend visualization is supported in data analytics and dashboards.
Data Quality Checks Automated flagging and reporting of data inconsistencies.		Data quality checks are referenced as part of onboarding/risk routines.
User Audit Logs Exportable activity logs for user actions.		User audit logs can be exported for compliance.
API Access for Reporting Allows third-party reporting and data analysis tools to access KYC data via API.		API access is provided for third-party reporting integrations.

Concurrent User Capacity Maximum number of users that can simultaneously access the platform.		No information available
KYC Processing Throughput Number of KYC verifications processed per hour.		No information available
System Uptime SLA Guaranteed system uptime as per service agreement.		No information available
Cloud Deployment Support Can be deployed in cloud environments for scalable infrastructure.		Cloud deployment option available, confirmed in product details.
Horizontal Scalability System can scale by adding more servers or instances.		Product architecture supports horizontal scalability.
Disaster Recovery RPO Recovery Point Objective in case of disaster.		No information available
Elastic Resource Allocation Automatically adjusts resources based on workload.		Resource adjustment is a stated capability in cloud deployments (elastic scalability).
Load Balancing Distributes workload evenly across system resources.		Load balancing features are part of scalable cloud architecture options.
Queue Management Manages high load and processing queues efficiently.		Product manages high load and process queues as part of its performance management.
Performance Monitoring Real-time monitoring of system performance metrics.		Real-time performance monitoring is supported for compliance and IT teams.

24/7 Customer Support Round-the-clock availability of customer service.		24/7 support is referenced in customer success/support documentation.
Dedicated Account Manager Assigned vendor representative for ongoing support.		Dedicated account management is offered as part of enterprise support contracts.
User Training Resources Availability of training materials and programs for staff.		Training and staff enablement resources available.
Knowledge Base Access Comprehensive articles and documentation available online.		Knowledge base and documentation access is standard.
Regular System Updates Scheduled updates for new features and compliance changes.		Regular updates for features and compliance changes are included in the product lifecycle.
Custom Feature Development Ability to request and implement bespoke product features.		Custom feature development can be arranged according to customer needs (referenced on FICO website).
Support Ticket Resolution Time Average time to resolve a standard support ticket.		No information available
SLAs for Issue Escalation Contracted timeframes for addressing critical issues.		No information available
User Community Forum Online forum for peer support and knowledge sharing.		User community forum accessible for product support according to FICO customer portal.
API Versioning & Deprecation Notices Advance communication of changes to integration APIs.		API version/deprecation communication is listed under technical support commitments.

FICO® TONBELLER® Siron® KYC from FICO

Product analysis by function

Know Your Customer (KYC) for Compliance

Identity Verification (6 Yes /6 Known /10 Possible features)

Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) (8 Yes /8 Known /10 Possible features)

Data Security & Privacy (9 Yes /9 Known /10 Possible features)

Regulatory Compliance & Reporting (8 Yes /8 Known /10 Possible features)

User Experience & Onboarding (8 Yes /8 Known /10 Possible features)

Integration & Interoperability (9 Yes /9 Known /10 Possible features)

Fraud Detection & Prevention (8 Yes /8 Known /10 Possible features)

Monitoring & Ongoing KYC (9 Yes /9 Known /10 Possible features)

Analytics & Reporting (9 Yes /9 Known /10 Possible features)

Scalability & Performance (6 Yes /6 Known /10 Possible features)

Vendor Support & Maintenance (8 Yes /8 Known /10 Possible features)