KYC / CIP Client Onboarding Workflow

Run a new-client account opening through a structured Know-Your-Customer (KYC) / Customer Identification Program (CIP) / Customer Due Diligence (CDD) workflow — collecting and validating the four mandatory CIP data points, performing beneficial-ownership identification, screening every party against sanctions / PEP / adverse-media lists, completing a risk-rating scorecard, drafting any required exception or escalation memos, and producing the final account-opening package the supervising principal can sign. Output is a structured onboarding file that closes the loop from prospect ID-collection through booked-and-funded account, with every check timestamped, every exception flagged with proposed disposition, and every step retained per the firm's books-and-records obligations. Covers retail brokerage (Reg BI), RIA (Advisers Act), commercial banking (BSA/AML), private banking / UHNW, trust accounts, institutional / corporate accounts, and entity / beneficial-ownership review.