Monitor ยท perpetual KYC

Convert more customers, safely, over time.

Continually watch the portfolio so only genuine change opens a case, and prove the monitoring never stopped. Say yes faster, without risk quietly moving between review dates.

30 minutes. Your data. No slides.
Portfolio monitoring: re-screen on event, only genuine change opens a case
Watchlist change
Case already open, context attached
event-driven · on the trail in one click
A UK challenger bank A private bank A fund administrator A payments firm A wealth manager names on request
Why they chose it
“The moment a watchlist changed, the case was already open and half the context was sitting there. We stopped re-verifying customers we had verified weeks earlier.
MLRO · UK challenger bank · named reference on request

Event-driven perpetual KYC. Only a genuinely risk-changing event opens a case, orchestrated re-screening and your own configurable rules clear the rest, and the refresh runs on your risk model, not a vendor default.

What you can do today

Shipped, non-AI, and running on your own risk model. Watch the whole book, absorb the noise, and keep every re-screen on the trail.

Event-driven re-screening: trigger fires on a watchlist change
Trigger on real change, not a calendar

Re-screen on event, not on a timer

Daily batch re-screening runs every customer against your feeds, and event-driven re-screening fires the moment a profile, watchlist, or registry record changes, opening a case only when the change actually matters, across 53 pre-integrated vendors from one integration. FATF R.10 and UK MLR 2017 Reg 28 make current CDD a standing duty, not an annual event.

See monitoring
One risk-ranked inbox: immaterial changes auto-cleared
Stay continuous without the flood

Always-on, without a second full-time job

Your own configurable rules auto-clear the immaterial changes so they never reach an analyst, and only a genuine event lands in one risk-ranked inbox with entity and UBO context already beside it. This absorbs the industry problem where roughly 95% of alerts are false positives (Accenture, McKinsey, ACAMS), so always-on does not become a second full-time job.

See case management
Customer Risk Assessment in Studio: FATF dimensions, your weightings
Refresh on your risk model, not a vendor default

Your weightings, your thresholds, your tiers

Configure the Customer Risk Assessment in Studio on the FATF four dimensions with your own weightings, thresholds, and tiers, watch high-risk customers more tightly, and backtest a change against your historical cases before it goes live. Live country-risk feeds draw on 209 countries at 16 indicators each.

See Studio
Still-valid checks referenced, not re-requested: immutable trail
Never re-verify what you already verified

Reference the valid checks, do not re-request them

When a new case opens for an already-verified customer, still-valid checks are referenced, not re-requested, so the customer is not asked twice and you only pay for the checks you truly need. Every re-screen, auto-clear, reuse, and decision writes to a write-once trail of 32 immutable event types with one-click regulator export.

See the audit trail
The marketplace

Re-screen through the feeds you already trust.

Watchlist, registry, and screening feeds run from one integration, and you swap one by configuration when a better provider arrives. No lock-in, ever.

See all integrations ›
53
vendors behind one integration
32
immutable event types on the trail
209
countries, 16 indicators each
95%
of alerts are false positives, absorbed
Zenoo Labs · alpha and beta

The monitor narrates what changed, before your analyst opens the case.

With design partners, we are testing a Perpetual Monitor agent that explains what changed on a file and why it might matter, plus a Risk Model Copilot that suggests model changes for a human to review. Human-in-the-loop and opt-in, never an automatic decline. Early results in testing show investigation moving from an industry benchmark of about 22 hours toward roughly 12 minutes.

AI investigates, humans decide.

Labs: the Perpetual Monitor agent narrating what changed
“The change lands, the case opens, and the trail shows the monitoring never stopped. That is the difference at examination.”
MLRO · UK challenger bank · named reference on request
On event

Refresh fires on genuine change, not a review date, so risk cannot quietly move between calendar cycles.

Already live on Zenoo

Challenger bank

Watchlist change, case already open, no re-verifying customers cleared weeks earlier.

Ask for a reference
Private bank

Immaterial changes auto-cleared, only genuine events reach an analyst.

Ask for a reference
Fund administrator

Refresh on its own risk model, tuned in Studio without an engineering ticket.

Ask for a reference

We publish no customer names. Discretion is the point.

Questions

Perpetual KYC, answered honestly.

Is perpetual KYC a compliance requirement?

FATF Recommendation 10 requires firms to keep customer due diligence "up to date", and UK MLR 2017 Regulation 28 makes current CDD a standing obligation, not a one-off event. How frequently a customer is reviewed is risk-based, but calendar-only refresh is increasingly scrutinised. An event-driven approach, triggered by genuine change, satisfies the obligation while removing the false-positive flood of blanket batch schedules.

How does Zenoo decide which events open a case?

You define the rules in Studio. Daily batch re-screening runs all customers against your feeds; event-driven re-screening fires the moment a profile, watchlist, or registry record changes. Your own configurable rules then determine whether that change is material enough to open a case or be auto-cleared. Nothing is auto-cleared by Zenoo's defaults without your approval.

Will customers be asked to reverify if they were already cleared?

No. When a new case opens for an already-verified customer, still-valid checks are referenced from the prior case, not re-requested. The customer is not interrupted and you are not charged twice. Only genuinely expired or changed checks trigger a new data pull.

How does this differ from a standard annual review cycle?

Annual cycles review every customer on a fixed date regardless of whether anything has changed. Event-driven perpetual KYC triggers a review only when a genuinely risk-relevant event occurs: a watchlist match, a registry change, a beneficial ownership update. High-risk customers are watched more tightly; low-risk customers are not over-reviewed. The result is a continuous, auditable monitoring programme that does not require a team twice the size.

What does the audit trail capture?

Every re-screen, auto-clear, check reuse, case open, analyst decision, and supervisor override writes to a write-once trail of 32 immutable event types with millisecond timestamps. The trail is exportable in one click for a regulator visit, designed to turn a two-week manual reconstruction into a 40-minute export (platform benchmark).

Say yes faster. Prove everything.

Bring your Monday inbox and we run perpetual monitoring live in 30 minutes.

30 minutes. Your data. No slides.