Customer Due Diligence Solutions
Analyse your user base not only during onboarding but long after they have become your existing clients to ensure regulatory requirements are met and due diligence is performed. No matter whether they are natural or business entities. Accurately evaluate their risk level and its developments, and enhance operational efficiency, preventing financial crimes. With our tools, we’re making sure that nothing slips by you.
Trusted by Companies Worldwide
How It Works
Collect and Validate Data
Gather essential information about your clients and business partners. Verify it against trusted global databases, registries, and data sources to ensure accuracy and compliance from the very beginning.
Assess and Classify Risk
Evaluate each customer’s profile, ownership structure, and activity to determine their risk level. Our tools help you identify potential red flags and document your due diligence with confidence.
Review and Update When Needed
Reassess customer data whenever there’s a change in circumstances or risk profile. Easily access and review information to maintain full visibility throughout the customer lifecycle.
Stay Compliant Across Jurisdictions
Our solutions are tailored to your regulatory environment. Keep your CDD process aligned with AML and GDPR standards, no matter where you operate.
Comprehensive Compliance Made Simple
Global Databases and Registries
Automatically check the validity and other data with international and local registries as well as public and private data sources.
Ultimate Beneficial Owner Tracking
Closely monitor all the developments related to UBOs and maintain compliance. Don't let transparency dissipate after onboarding.
Adaptable to Your Jurisdiction
We can tailor our solutions to stay compliant according to your industry's and legislation's rules. Wherever your company is located, get the tools made just for you to minimize risk.
Always up to Date with Regulatory Changes
Be prepared for KYC regulatory changes and stay in check with GDPR and EBA requirements without breaking a sweat.
The Customer Due Diligence Process
CDD is an essential step in preventing money laundering. Financial institutions and other companies can use it to confirm any customer's identity, inspect their financial transactions, and perform customer risk assessments. AML regulations require due diligence to be performed for all new and existing clients.
Sanctions Screening Process
Sanctions screening helps prevent doing business with individuals or entities restricted by international or local authorities. By cross-checking customer data against global sanctions lists, which Ondato updates every three hours, businesses can identify prohibited relationships and avoid severe regulatory penalties. It’s a crucial layer of protection in any compliant onboarding and risk management process.
PEP Screening Process
Politically Exposed Persons (PEP) screening identifies individuals who hold or have held prominent public positions, as well as their close associates. Because they are more exposed to potential corruption or bribery risks, PEPs require additional scrutiny. Ondato screens against over 16 million PEP profiles to ensure nothing slips by you.
Adverse Media Screening Process
Adverse media screening detects negative news or publicly available information that may indicate a customer’s involvement in financial crime, fraud, or unethical activities. By monitoring reputable news and data sources, companies can identify reputational and compliance risks early. It’s a vital component in maintaining trust and transparency throughout the customer relationship.
Tailored to Your Industry
Financial Institutions
Ondato supports banks, neobanks, and fintechs in maintaining full visibility into their customer base long after onboarding. With access to trusted registries, risk assessment tools, and beneficial ownership tracking, you can evaluate customer profiles, monitor regulatory compliance, and ensure your due diligence process meets AML and KYC standards at every stage.
Insurance
For insurers, CDD goes beyond initial checks. Ondato helps verify customer identities, assess risk, and validate eligibility for claims or services while ensuring compliance with sector-specific regulations. By maintaining accurate and up-to-date customer data, you can protect your business against fraud and meet evolving compliance expectations.
Legal
Law firms and legal service providers rely on precise client verification to meet AML and transparency obligations. Ondato enables comprehensive background and ownership checks for individuals and entities, ensuring compliance in cases of corporate representation, real estate, and notarial services—all without compromising efficiency or client experience.
Cryptocurrency
Crypto businesses face increasing scrutiny under AML5, FATF, and other global frameworks. Ondato helps exchanges, wallet providers, and blockchain companies perform compliant identity and risk assessments for both individuals and business clients. With flexible CDD workflows and enhanced due diligence options, you can build trust, mitigate risk, and stay compliant in a rapidly evolving regulatory environment.
Why Clients Trust Ondato
"Ondato has aligned perfectly with our priorities. Through direct collaboration and problem-solving, we have formed a mutually beneficial partnership that has improved integration and allowed us to become a digital-first telco provider in the MENA region. With Ondato’s support, we now offer fully online experiences and have established world-leading registration."
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"Ondato is a trusted and valued business partner. Their market leading age and identity verification technology is a key element of OnlyFans safety controls. We enjoy the close working relationship we have with their team and we know that they value our feedback and reflect this in their product roadmap."
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"We take our clients' experience and privacy very seriously, which is why we chose and continue to work with Ondato. We wanted an efficient identity verification solution, and that is exactly what we got. The client onboarding process we now employ is quick, accurate and easy to understand."
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"Working with Ondato has been a game changer for our AML compliance. Ondato lowered the costs, improved the quality and speed of the Player's onboarding. The cooperation with Ondato's Team is something that has them stand out from their competitors, their high-level of responsiveness and solution-oriented mindset in challenging tasks is a real strong suite."
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"As a leading Lithuanian crowdfunding platform, we have been working with Ondato for their identification services and customer onboarding journey. Ondato has allowed us to simplify the client onboarding process and reduce operational costs thanks to its simple and fast integration. We are delighted to be business partners with Ondato."
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"As fully digital bank for SMEs, we have been working with Ondato since the beginning. We are happy to have a reliable and professional partner for our client’s identification services and bank customer on-boarding journey. Ondato enables us to provide fast and seamless application process for EU member citizens and services to our clients."
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"We started to cooperate with Ondato three years ago. We needed an easy to integrate one-stop-shop solution in order to evaluate customers financial information. Budget and timing were very strict, and they just nailed it."
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"Secure identity check, verification and onboarding is one of the cornerstones for digital services and society in general, during the Lighthouse program Ondato has shown their excellence in developing a real solution tackling this problem."
"Ondato KYC solution allowed us to simplify the client’s onboarding process and reduced our operational costs. It was the simplest and fastest integration that we have ever seen, thanks to advising and to the great support of Ondato team."
"As a specialized online loan bank operating exclusively on the Internet, Ondato has enabled us to work with clients who do not have qualified e. signatures and this has helped us to significantly expand the customer base, increase sales and fulfill its vision of a full-digital bank without paper documents."
"Personal data is a core area we work with, so we had three main requirements from Ondato - bank-level security, compliance with GDPR and other international data protection laws and global database coverage. We have got ourselves a very convenient and tailor-made solution."
"By taking advantage of good feedback and working their a***s off, The team at Ondato has made big strides in a short time period. They were able to transition from a fairly basic consumer facing product to a complex business solution that is of high interest to financial institutions and global payments companies."
"For years, Ondato's automatic identification confirmation has been a reliable and efficient solution to ensure our services' security. Besides that, we appreciate their quick response to our needs and willingness to make improvements or upgrades when necessary. They are also very prompt in resolving any issues that may arise."
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FAQ
The customer due diligence process is used by financial institutions and other companies to collect and evaluate relevant information about a current or potential customer.
Due diligence deals with risk assessment. For example, financial institutions that want to onboard a new client or enter into a business relationship with a different company perform due diligence to be aware of the risks, the reputation and any hidden information.
KYC is the broad term for the entire process. CDD is one of the steps that focus on financial profiles and risk levels, and CDD is the key to this process. Customer due diligence deals with collecting and evaluating the customers' information and determining their risk for illegal financial transactions. Both KYC and CDD fall under anti-money laundering (AML) regulations.
There are three levels of customer due diligence: standard, simplified, and enhanced.
Whether you are required to perform EDD or CDD depends on your customer's risk level. If a customer is judged to be low risk, they might only be subject to simplified customer due diligence, where the only requirement is to identify the customer but not verify their identity. For high-risk customers, EDD is required to ensure they are continuously monitored to prevent money laundering.
Yes. The customer due diligence rule is a legal requirement under anti-money laundering regulations.
Customer due diligence has four main requirements: Verify customer identities. Ensure that your clients and business partners are who they say they are. This includes analysing the customer's risk profile. Assess third-party information sources. As due diligence requires third-party information, it is important to understand which sources are reliable. Secure your information. Any data you gather and store needs to be secure, as this data getting leaked can have grave consequences for your business relationships. Use ongoing monitoring when necessary. The correct CDD measures will require that any high-risk customers be continuously monitored after onboarding.
CDD software automates customer verification, risk scoring, and ongoing monitoring, reducing manual work and errors. This speeds up onboarding, ensures consistent compliance checks, and helps meet regulatory requirements more efficiently.