Onboarding & Client lifecycle Management
Seamless Onboarding Experience
Structured and Guided
for every type of account and product
Ensured Regulatory Compliance
Omni-channel, multilingual, multi-device
Paperless and highly personalized
ICOS/2 – Onboarding & Client Lifecycle Management
ICOS/2 delivers a combination of innovative technology and expert services to help financial firms to automate key processes, such as client onboarding, account opening & closing, KYC reviews, etc. including all risk and compliance functions.
It offers a fully digitized onboarding experience, enabling Financial Service Providers to innovate and harmonize sales processes. It is a modular platform to approach the customer anywhere with an unrivaled journey and to increase the efficiency of your associated front and back office processes.
ICOS/2 enables you to turn your policies into automated processes. Create rules and set alerts to ensure you are never in breach of internal policies, regulations or client mandates. It facilitates identical services in your digital bank as well as in your branch offices and enables you to offer apps such as “Smartphone Account Opening”, self-service or guided mortgage initiation, etc.
ICOS/2 is monitoring compliance policies and procedures and the included risk management services withstand any due diligence.
RegTech at its best.
ICOS/2 covers all requirements end-to-end, from intuitive capturing, compliance, risk management, suitability, forms & contracts to real-time integration.
It also covers every type of relation, all products & services in a multi-jurisdiction and multi-channel environment.
ICOS/2 interfaces with all core banking
Unmatched User Experience
ICOS/2 offers your customers an unmatched experience.
It converts your prospects into loyal clients with the latest technology:
from identification via video chats to the digital signature of all documents.
ICOS/2 provides one interface for single, guided data input reducing the need for entering the same data multiple times.
It provides centralized management & definition of dynamic questionnaires for complete data capturing.
IT department BENEFITS
Security and Compliance
ICOS/2 is the tool for every Bank (Retail, Corporate, Private and Investment Banking) to efficiently manage the complexity of compliance requirements coupled with the high number of documents, data and signatures to be gathered, managed and processed.
Automated, smart KYC and EDD
KYC is an initial assessment of the customer identity and profile – easily automated with IMTF’s ICOS/2 platform. EDD (Enhanced Due Diligence) is only needed if the customer is deemed as ‘higher risk’ after KYC (e.g. PEP) or AML alerts (from SironAML). Additional questioning and verification are essential to ensure the legitimacy of person or entity, its transactions and sources of funds.
ICOS/2 combined with Find-it is about smartly automating initial KYC and improving efficiencies within EDD, automated review processes, and provide other vital functions and information to financial service providers.
Modular design, easy configuration without programming.