Onboarding · Client file
Koncord
Document diagnostics, opportunities, intelligent client files, contracts, and traceability. The point where a commercial relationship becomes an operational client.
The risk associated with client documentation at a financial institution costs more than any report reveals; Koncord mitigates that risk.
Regulation has expanded and its criteria have become more complex. When a review arrives, the response must already be prepared: either current evidence exists or it does not. Your team knows it. Koncord solves it.
What it is
Four modules. One institutional foundation.
Konstellar is the structural foundation. Koncord is the module that turns regulation, client files, and operations into a single defensible workflow.
Individualization
Kontrib
Personal accounts, employee benefit plans, savings funds, pensions, and products that require individual account management.
Banks · Custodians
Konvault
Banks, custodians, deposits, withdrawals, investments, reconciliations, positions, and valuation.
Internal operations
K+Enterprise
Fees, collections, invoicing, operational databases, and the institution’s internal management processes.
Why it matters
The problem is not storing documents. It is sustaining the rationale.
When the client file does not explain risk, validity, and decisions, the institution remains exposed even if documents have been uploaded.
01
Insufficient automated systems
There is no historical evidence of monitoring, alerts, or follow-up.
Rules, audit logs, expiration dates, and auditable evidence.
02
Incorrect risk classification
Every client is treated the same even though their risk profiles differ.
Profiling by client, contract, service, and product.
03
PEP checks without traceability
Treatment depends on the analyst rather than a verifiable policy.
Configurable PEP rules and documented validation.
Koncord turns that risk into evidence: rules, expiration dates, profiling, traceability, and regulatory rationale in one workflow.
Architecture
Four dimensions. One client file.
Koncord organizes onboarding across four dimensions applied sequentially, without duplication or contradiction. The result is a single coded list prioritized by client, contract, and product.
Layer 1 · LE
Legal Entity
Who is the client?
Layer 2 · LC
Legal Criteria
What relationship connects the parties?
Layer 3 · RC
Regulatory Criteria
What does regulation require?
Layer 4 · PC
Product
What does the product require?
01
What the product needs to document
Plan regulations, fee structures, business rules, and contractual terms for every product are traced in the system.
02
Business rules that live in the system
Rates, contribution calendars, and client-specific exceptions live in a structured database the system understands and applies.
03
Integration with your existing systems
Koncord is designed to work with core platforms, ERP, and CRM. The client file is enriched by your ecosystem instead of remaining isolated.
An incomplete client file creates more than regulatory risk. It creates operational, service, and commercial risk. Koncord operates all four dimensions in one workflow.
Closing
An intelligent client file does not slow business down. It accelerates it.
When your client file works, your team operates with confidence, your client has a seamless experience, and your institution can grow without documentation becoming the bottleneck.
Koncord: the ability to address documentation risk with evidence, traceability, and control.
Free
Schedule your demo
A free 60-minute functional presentation with your compliance, legal, and technology teams.
Custom quote
Initial assessment
A functional and technical analysis of your current client files. The investment is credited upon contracting.
Demo and assessment
60 minutes to define risk, layers, and operations.
The conversation starts with your current client files, active regulatory frameworks, and the point where traceability breaks today. This is not a generic demo; we map the suite to your real operation.
- A 60-minute functional presentation with compliance, legal, and technology teams.
- An initial assessment of your current client file and its blind spots.
- Regulatory mapping: AML/CFT, Investment Services, and FATCA/CRS.
- A layered implementation path: client, contract, regulation, and product.
The session includes
Operational context, regulatory analysis, and an implementation path.The goal is not to show screens. It is to identify the exact point where the client file stops supporting the business.