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Debate: Implementing a Viable Risk-Based Approach (RBA) in Onboarding and KYC Processes

Conference

2026-04-21 | 01:05 PM - 01:55 PM (GMT+00:00) London

Information

  • With The Financial Conduct Authority (FCA), FinCEN and other regulatory expectations emphasising an RBA in onboarding, what challenges and opportunities do firms face in applying this approach at scale?
  • As firms look to expand, how should onboarding teams and workflows be structured to reduce verification bottlenecks and minimise judgement inconsistency?
  • How are firms recording and keeping Ultimate Beneficial Owner (UBO) data across multiple jurisdictions with varied financial crime reporting requirements?
  • To what extent are firms adapting their governance frameworks to maintain accountability and explainability for onboarding decisions, especially when relying on external verification technology or data?

Speakers

Santander CIB

Nina Guinchard

Santander CIB

Managing Director, US CIB Chief Operating Officer and Global Head of CIB Client Lifecycle Management

1LoD

Simon Brady

1LoD

Editor

Standard Chartered

Nick Lewis

Standard Chartered

Managing Director, Financial Crime Risks

Wells Fargo

Andrea Fernandes

Wells Fargo

Managing Director, Global Head of Onboarding Transformation - Policy and Process and Intl' Head of CLM

Morgan Stanley

Steve Gitlin

Morgan Stanley

Global Head of KYC