Lending Startup
A digital lending company in the EU needed to automate compliance processes and scale operations without compromising regulatory standards. We helped them build a custom platform that reduced onboarding time by 96% and cut compliance staffing by 40%.
- Time to hire – 2 weeks (full team assembled)
- Core team – 1 BA, 1 DM, 1 front-end developer, 1 back-end developer, 1 QA, 1 DevOps
- Duration – Under NDA
- Budget – Confidential
About the company
This EU-regulated digital lending startup offers fast, secure loans through a digital-first platform. With ambitious growth plans, the company needed to replace manual AML/KYC checks with automated systems to scale efficiently, improve audit readiness, and control compliance costs.
Project Overview
The EU-based lending startup partnered with us to develop a robust compliance automation platform that could scale with their operations. The key goals were to accelerate AML/KYC processes, reduce manual workload, and ensure audit readiness.
We delivered an integrated solution featuring third-party KYC API implementation, a custom scoring engine with adjustable thresholds, a centralized compliance dashboard with full case logging, and seamless ERP/CRM synchronization. This allowed for real-time user tracking, simplified audit preparation, and a drastic reduction in manual effort.
The system enables compliance teams to dynamically configure onboarding flows, manage user risk profiles, and monitor real-time data through a secure, cloud-based interface. Admins can adjust thresholds and audit trails without engineering involvement, enabling continuous compliance optimization at scale.
Challenges and Pains
Manual Compliance Bottlenecks
The startup’s onboarding process relied on slow, manual AML/KYC checks, causing significant delays and operational inefficiencies. Scaling with this setup was not sustainable.
High Cost of Human Verification
Staffing a team for manual compliance reviews was expensive and resource-intensive. The client needed a smarter way to manage verification at scale.
Lack of Audit-Ready Documentation
Without a centralized system, the client struggled to track compliance actions and produce documentation for regulatory audits.
Need for Seamless Integration
The company’s existing ERP and CRM systems needed to sync flawlessly with the new compliance solution to ensure user data consistency and operational flow.
Scalability Under Regulatory Pressure
As a regulated financial institution, the client had to meet strict compliance standards while growing fast—putting pressure on both speed and precision.
Solution
To overcome the compliance and scalability challenges, we assembled a specialized team within just two weeks. The team consisted of a Delivery Manager, Business Analyst, QA, DevOps, and experienced front-end and back-end developers.
- Rapid Onboarding: Our pre-vetted experts enabled us to launch development immediately, avoiding recruitment delays and accelerating time-to-solution.
- Tailored Compliance Architecture: We integrated a third-party KYC API, built a flexible scoring engine, and developed a compliance dashboard that could adapt to evolving regulatory demands.
- Seamless Integration: The platform was connected to the client’s existing ERP and CRM systems, ensuring data consistency across operations and departments.
- Scalable and Audit-Ready: With built-in case logging and threshold controls, the solution ensured audit readiness from day one while supporting long-term scalability.
- End-to-End Delivery: Our team handled everything from technical implementation to QA and ongoing support, allowing the client to focus on growth and compliance confidence.
