Onboard each customer with the audit trail built in

A financial services team has to move each applicant through onboarding while it keeps the evidence that a regulator can ask for later. Delalify stores the verification record, the message history, and the billing history on each customer's profile, so your compliance and support teams answer from the same record.

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Five tools, and one question from the regulator about who saw what

An applicant submits KYC documents through the onboarding portal, while compliance tracks the verification status in a spreadsheet on one analyst's laptop. Support can answer a question about account limits before anyone on the support team learns that the applicant is still in review. The compliance officer can then email a request for a document that the applicant uploads to a different tool the day before. Meanwhile, a salesperson can promise the customer a quick approval while the review is open. When the regulator asks who opened which document and when, your team will have to piece the answer together from five systems.

A man sitting cross-legged on the floor with his head in his hands

One profile for the regulator, the customer, and the sales team

When a regulator asks about a customer, your team can answer from one profile if verification, support, audit, and billing all record their work there. The workflows below show how each team does that in Delalify.

Put the compliance checks inside the onboarding flow

When an applicant signs up, Delalify People creates their profile and tags it by account type and risk tier. The applicant continues on an onboarding page that your team builds in Builder under your brand, while Channels sends each KYC document request on the channel that the applicant prefers. OneCloud encrypts each document that the applicant submits and logs every access to it, so a regulator can read who opened it. Teams lets compliance reviewers open the documents, while front-line reps see the verification status alone. Before a reviewer opens the case, Beryl flags any incomplete submission and drafts the follow-up message.

Outcome

A reviewer opens each case with the submitted documents and Beryl's follow-up draft on the profile. Because OneCloud logs each access while reviewers work, the audit trail is in place before a regulator asks for it.

Give support, sales, and compliance the same timeline

When an account passes from support to sales to compliance, each team needs to know what the previous team learned from the customer. Delalify People lists every conversation with the account on one timeline. Channels sends transaction confirmations, account alerts, and 3D Secure codes on the channel that each customer prefers, then records the delivery status of each message on the profile. Teams gives back-office and customer-facing staff separate access. Beryl flags the accounts that are likely to churn, so that an account manager can contact each customer while the customer still replies.

Outcome

A customer who calls support talks to an agent who can read the sales and compliance notes on the same timeline. Your compliance officer can check every message against your regulatory requirements from the log that Channels records.

Walk into an audit with the evidence already assembled

In an audit, the examiner can ask who opened each record, when, and for what reason. OneCloud stores compliance documents, account agreements, and internal policies with their version history and an access log. Teams grants access by role and removes it when an employee changes department or leaves. Your compliance team keeps risk registers, sanctions watch lists, and audit checklists in Tables, linked to the customer records that each one covers. People links each customer's profile to every document, message, and payment for that customer. Before the audit begins, Beryl drafts a compliance summary and flags the gaps in the evidence.

Outcome

Your compliance officer can answer the examiner from the access logs and version history that Delalify records as your team works, so the officer gathers the evidence from one place.

Bill each customer on the profile that compliance reviews

Wallet sends invoices, collects payments, and reconciles them across payment methods and jurisdictions. People adds that billing history to the profile that support and compliance use, so a rep can check a customer's payment status from the conversation. Channels sends payment reminders and receipts. Teams lets billing staff open the billing data alone. Beryl checks the payments on each profile and flags any unusual pattern for review.

Outcome

Your finance team reconciles every payment method in Wallet, so the team works from one ledger. When Beryl flags an unusual payment, an analyst can review it on the profile beside the customer's messages.

Industry figures on onboarding and penalties

Each figure comes from an industry study that this page names.

68%

Of surveyed consumers in 14 European countries abandoned a financial application in the past year (2022)

$4.6B

Global penalties from enforcement actions against financial institutions in 2024

Sources: Signicat, 'The Battle to Onboard: The Growing Power of Consumer Demands' (2022), Fenergo, 'Regulatory Penalties in North America Account for 95% of Global Financial Penalties in 2024' (2025).

The Delalify features behind these workflows

Each feature works on the same contact record, so the other apps load a saved change on their next request.

Onboarding flows on your own brand

Channels sends document requests, verification reminders, and status updates from each applicant's profile in People. Applicants upload their documents on your own onboarding page in Builder, which saves each upload to OneCloud.

Separation of duties built into access control

Teams gives front-office, compliance, and back-office staff separate roles and records every change to those roles, so a regulator can check who held each role on any date.

One timeline per account holder

People lists every call, message, document upload, and payment for an account holder on one profile, which each team member can open as far as their role allows.

Risk and sanctions registries in Tables

Tables syncs sanctions watch lists, politically exposed person flags, and risk tier registries and links each entry to the customer's profile, so a compliance officer can review a match from the profile itself.

Transaction alerts with delivery receipts

Channels sends one-time passcodes, payment reminders, and a confirmation of each transaction, and logs a delivery receipt for each one on the customer's profile.

Billing and collections on the same record

Wallet invoices, collects, and reconciles against the profile that People stores for each customer, so a support agent can answer a billing question with the payment history on screen.

Compliance programs with the regulator's evidence built in

Your compliance and operations teams can set up each program below from the apps that they already use for onboarding and billing.

Regulated onboarding and KYC program

Delalify People creates a profile for each new account holder, tagged by product, jurisdiction, and risk tier. As soon as People creates the profile, Channels sends the KYC document request on the channel that the applicant chooses. Automation reminds an applicant who leaves the request open on day 2, day 5, and day 10, before a reviewer picks up the application. OneCloud encrypts every submitted document at rest and keeps its earlier versions and a log of every access, which a regulator can read directly. Teams opens the documents to compliance reviewers alone and shows front-line reps the verification status. Its audit log then records each document that a reviewer opens. Tables stores the risk tier rules and sanctions lists that apply to the same profile. When a document is unclear, Beryl drafts the follow-up message to the applicant. Integration syncs each verification status with your identity verification provider, so a reviewer asks the applicant for each scan once.

What your team gets

Your reviewers build the audit trail as they process each application, because OneCloud and Teams log every step. In Signicat's 2022 survey of 7,600 consumers in 14 European countries, 68% said that they had abandoned a financial application in the past year, so Automation reminds each applicant on a fixed schedule.

Audit-ready operations program

Delalify People lists every support call, compliance query, billing event, and policy update for an account on one timeline. Channels records each message on the customer's profile as it sends transaction alerts, one-time passcodes, statements, and overdue payment notices. Support reads the billing trail from the same profile on which Wallet invoices, collects, and reconciles each account. Teams gives compliance, billing, and front-line staff separate permissions and writes every access to its audit log. OneCloud stores agreements, policy updates, and regulator correspondence with retention rules that match each jurisdiction. Automation assigns each escalation to the team that owns it. Before a compliance officer opens a case, Beryl summarizes a long timeline into the few lines that the officer needs.

What your team gets

Every team works from one timeline of account history, billing events, and regulator correspondence, which each team can open as far as its role allows. Teams and Channels record each access and each message for your examiners, since Fenergo counted $4.6 billion in penalties on financial institutions worldwide in its analysis of enforcement actions in 2024.

Onboard each customer with the evidence already on file

Our team can walk through your onboarding, compliance, and support process with you and plan how Delalify can store each customer's records, KYC documents, and audit trail on one profile.

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