Account Opening, Reimagined

Stop losing accounts to compliance bottlenecks

BankerWorkflow embeds KYC, AML, and CIP checks directly into your account opening process. Every step tracked. Every action logged. Every examiner satisfied.

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$1.23B
Regulatory fines, H1 2025
4,000+
Community banks in the US
417%
YoY increase in penalties

Account opening that compliance officers actually trust

1

Customer identification

Collect and verify government ID, tax ID, and beneficial ownership. CIP requirements are checked off before you move forward.

Automated
2

Risk assessment

Assign a risk rating based on account type, geography, and customer profile. High-risk accounts get flagged for enhanced due diligence automatically.

Review
3

AML / OFAC screening

Run sanctions and watchlist checks against OFAC, FinCEN, and PEP databases. Matches surface for human review before the account is approved.

Flagged
4

Approval and audit trail

Multi-level approval routing with complete audit logs. Every action, timestamp, and decision is recorded for examiners.

Logged

Not another enterprise platform

Compliance checklist engine

Pre-built templates for personal, business, and trust accounts. Each maps to specific regulatory requirements so nothing gets skipped.

📑

Document collection

Track what's been collected, what's missing, and what's expiring. Auto-reminders keep the process moving without manual follow-up.

🔒

Examiner-ready audit trails

Every action generates an immutable log entry. When regulators ask questions, the answers are already documented.

Risk-based routing

Low-risk accounts flow through fast. High-risk accounts get routed to senior compliance staff with enhanced due diligence requirements.

👥

Beneficial ownership tracking

Capture, verify, and monitor beneficial owners for business accounts. CDD and EDD requirements built into the workflow.

📈

Compliance dashboard

See open accounts, pending reviews, flagged items, and overdue documents at a glance. Built for compliance officers, not IT teams.

Community banks deserve better than paper checklists

BankerWorkflow is being built for the 4,000+ community and regional banks that are too small for enterprise platforms and too regulated for spreadsheets.

Try the Workflow →