Silent Catalyst: onboarding at scale.
A seamless, automated and AML-compliant onboarding experience for a prominent New Zealand investment manager, now managing over NZ$15 billion in client funds.
Tens of thousands
And counting, since the first onboarding tool launched in 2017.
+96%
Successful AML-compliant verification rate.
NZ$2B to NZ$15B+
Growth that automated onboarding enabled the client to support.
Self-driven onboarding, without the manual work.
Over ten years, the client’s funds under management rose from less than NZ$2 billion to over NZ$15 billion. A significant enabler was its ability to automate the onboarding of new customers across KiwiSaver, Investment Funds and, more recently, Private Wealth.
Seamless and compliant
- A seamless, self-driven customer onboarding process
- AML compliant
- Removes manual work in processing applications
Central to every phase
- Upgraded protection of sensitive information
- Upheld data integrity
- Deepened user trust
An onboarding process that prepares people.
Designed and built together with the client’s business stakeholders, so people know what’s coming and have what they need before they start.
Prepared up front
Individuals are ready for the upcoming steps, with required documentation such as their IRD number and ID to hand.
Bite-sized questions
A simple experience, with tooltips for assistance.
Accurate data
In-flow data checks, and data from prior processes reused for efficiency.
Summary before submission
A summary screen to verify data before it’s submitted.
AML verification
A third-party AML-compliant verification layer, with automated follow-ups for efficiency.
Performance dashboard
Real-time data and monthly reporting across all three products: volume and breakdowns by hour, acquisition channel, device and funnel completion stage, including successful, partial and failed verifications.
Integrated with the wider ecosystem.
Front end
A robust Angular and TypeScript front end.
API
A GoLang API enabling calls to external CRMs and third-party SaaS platforms.
Real-time checks
Real-time identity verification and address lookup, integrating with MongoDB.
Integrations
Identity verification systems and email APIs.
Deliverables User research · UX/UI design · Front-end development · Complex integrations · Ongoing maintenance · Analytics & reporting · Evolution & support · Security enhancements
A capability, not a one-off project.
What began as a digital onboarding initiative evolved into a core operational capability supporting investor acquisition, compliance and long-term growth.
- Built around existing operational workflows
- Compliance embedded into the experience
- Automation that removes manual work
- Designed for continuous growth and evolution
Planning an onboarding transformation?
We help financial services organisations modernise onboarding, member experience, compliance workflows and operational processes without replacing existing core systems.