How It Works

From application to approval —
and beyond.

First Mile Labs orchestrates your entire onboarding and compliance workflow in a single platform. Here's how a business goes from first contact to approved customer.

01 Configure once02 Application submitted03 Docs extracted04 IDV verified05 Screening complete06 Risk scored07 Analyst reviews08 Monitoring begins
01

Configure your rules

Before a single application arrives, you define what good looks like. Set your risk scoring weights, required documents per entity type and jurisdiction, auto-approval thresholds, and which vendors handle IDV and screening. First Mile Labs enforces your policy — not a generic one.

Risk factors and weightings tailored to your institution
Document requirements by entity type, jurisdiction, and risk tier
Auto-approval thresholds and escalation rules
IDV provider selection (Didit or your existing vendor)
Screening sources and match threshold configuration
02

Customer submits an application

Your customer receives a branded, guided application form. They enter company details, declare directors and beneficial owners, and upload the required documents — all from a single, mobile-friendly interface. No emails, no spreadsheets, no back-and-forth.

Branded applicant portal — your look, your flow
Guided UBO and director declaration with ownership percentage capture
Dynamic document checklist — only what's required for that entity
Progress saved automatically so applicants can return and complete later
Automatic follow-up if the application stalls
03

Documents are classified and extracted

Every uploaded document is classified automatically by type and processed by our AI extraction pipeline. Key data fields — company name, registration number, directors, shareholders, dates — are pulled out and cross-checked against the application form and public registries.

Supports PDFs, images, and scanned documents
Automatic classification: certificate of incorporation, articles, shareholder register, and more
Structured data extraction with confidence scoring
Cross-validation against public company registries
Gap analysis — missing or mismatched documents flagged immediately
04

Identity verification runs automatically

Directors and beneficial owners above your configured threshold receive a secure IDV link. They complete a document scan and liveness check on their own device in under two minutes. Results land back in the case automatically.

Covers passport, national ID, and driving licence
Biometric liveness check — no in-person visit required
Fully browser-based — no app download
Expired or failed checks flagged for analyst attention
IDV results feed directly into the risk score
05

Sanctions and PEP screening runs

Every individual and entity in the application is screened against 200+ global sanctions lists, PEP databases, and adverse media sources. Matches are scored by confidence and presented to analysts with full context — source, reason, and supporting evidence.

OFAC, UN, EU, HMT, and 200+ additional lists
PEP detection including family members and close associates
Fuzzy name matching to catch transliteration variants
Configurable match thresholds to control false-positive rate
Full screening audit trail for regulatory inspection
06

Risk score calculated

Once documents, IDV, and screening results are in, the risk engine calculates a composite score from all available data points. Cases below your auto-approval threshold are approved instantly. Others are routed to your analysts with a structured evidence pack.

Composite score from document, screening, IDV, and entity risk factors
Risk tier assigned: low, medium, high
Auto-approval for clean, low-risk cases
Analyst queue for borderline or high-risk cases — with full context
Score breakdown transparent at the factor level
07

Analyst reviews (where needed)

For cases that require human review, analysts get everything they need in one screen: application data, extracted documents, screening results, IDV outcomes, and the risk score breakdown. They can approve, decline, or request more information — with every action captured in the audit log.

Single-screen case view — no switching between systems
One-click approve, decline, or request more information
Internal notes and decision rationale captured
Full case timeline visible to the whole team
Configurable reviewer roles and permissions
08

Customer onboarded — monitoring begins

Approved customers don't just disappear into a static record. First Mile Labs enrols them in your perpetual monitoring programme automatically. Re-screening runs on your configured schedule, and any material change in ownership, sanctions status, or company health triggers an alert.

Automatic enrolment in perpetual monitoring at approval
Scheduled re-screening — daily, weekly, monthly, or annually
Event-triggered reviews on public registry filing changes
Risk score recalculated on material data changes
Analyst alerts with change summary and recommended action

Go deeper on any capability

Each part of the platform has its own dedicated page with full capability details.

KYB & KYC OnboardingAML ScreeningPerpetual MonitoringRisk ScoringIdentity VerificationDocument Intelligence

Ready to see it live?

Book a demo and we'll walk you through the full flow with your entity types and risk rules.

Request a demo →