ICOS/2

Onboarding & Client lifecycle Management

Seamless Onboarding Experience

from capturing to opening, modifiying, closing

Structured and Guided

for every type of account and product

Ensured Regulatory Compliance

KYC, FATCA, MiFID, etc.

Omni-channel, multilingual, multi-device

including cross-border

Digital Banking

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.

 

Unrivaled Experience

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.

Key Benefits

ICOS/2  interfaces with all core banking systems, maximizes the efficiency of your processes over all channels and ensures a single, constantly evolving picture of every relation.

USER BENEFITS

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.

organization BENEFITS

Fewer Errors

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.

Complete

Covering end-to-end the overall client Onboarding (opening, modifying, closing) from guided capturing, compliance & risk & suitability through all formalities.

Efficient

Rule- and context-based automation; seamless & real-time integration of all systems; risk-based approach for relevance and  speed, reducing errors and omissions

Multi-Channel

Multi-jurisdiction, multi-channel, multi-language, any device, cross-border relationships – from self-servicing to tablet Onboarding & CLM.

Secure

Respecting information protection, data privacy and highest security standards. A full audit trail of activities.

Compliant

Fully integrated KYC compliance & EDD, tax (FATCA, CRS), cross-border and suitability (client and product).

Flexible

Modular design, easy configuration without programming.

Meet our Expert

  Johannes Hennekeuser

  Director digitrans

Christoph Erb

Complete

Covering end-to-end the overall client Onboarding (new and change) from guided capturing, compliance & risk through all formalities.

Efficient

Seamless, real-time integration of all systems and complete process control; based on a rule engine to consistently apply business rules reducing errors and omissions.

Mobile

Multi-jurisdiction, multi-channel, multi-language, any device, cross-border relationships – from Internet onboarding to tablet capturing.
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Secure

Respecting information protection, data privacy and highest security standards. A full audit trail of activities.
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Compliant

Fully integrated KYC risk & compliance, FATCA and MiFiD suitability checks, including geolocation.
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Flexible

Modular design, easy configuration without programming.
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