Back

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

Conference

2026-04-21 | 01:15 PM - 02:05 PM (GMT+00:00) London

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?

Santander CIB

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