Instant compliance
with complete peace of mind

Harmoney empowers leading financial institutions across Europe, including prominent banks and insurers, with its proven platform. Designed to support industry leaders, Harmoney offers efficient and cost-effective solutions to streamline financial compliance processes, solidifying its position as a trusted partner in the compliance niche.

  • Automate KYC, KYT and AML compliance processes
  • Enhance customer onboarding efficiency
  • Reduce compliance risks and operational costs
  • Utilize cutting-edge technologies like AI.
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Harmoney EN

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Hear from our clients, how we helped them being compliant.

Financial compliance software to empower financial institutions

Harmoney offers an end-to-end digital solution to automate financial compliance, reduce workloads, and deliver high-quality data, assuring complete adherence to every regulation, and in every jurisdiction.

Offering customizable risk models, AML screening strategies, KYC services, UBO processes, and case management for transaction monitoring, we provide a comprehensive solution. By leveraging transparent and intelligent AI technologies, we enhance decision-making and increase efficiency while adhering to the highest standards of transparency and ethics.

Built on existing modules and deep compliance expertise, our platform is easy to integrate and quick to implement, ensuring seamless compliance management at a low cost.

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Our solutions

Client Lifecycle Management

Harmoney’s next-generation solutions automates key processes such as onboarding, updating client information, conducting due diligence, and managing remediation. It centralizes customer data, ensures compliance with regulatory requirements, and provides tools for ongoing monitoring and blacklist checks, resulting in operational efficiency, faster client onboarding, and cost reduction.

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Digital onboarding

By automating the collection, verification, validation and screening of customer data, Harmoney provides a seamless workflow for onboarding, allowing relationship managers and compliance teams to save precious time and resources whilst lifts the heavy administrative burdens of your customers.

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KYC remediation

The Harmoney financial compliance software also automates client data updates and reviews incomplete files for KYC remediation, whilst ensuring regulatory compliance. It connects compliance teams, customers, and front-office workflows, streamlining remediation campaigns. Its seamless KYC procedure improves verification, requirements, and analysis, increasing customer lifetime value efficiently.

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Modules

The Harmoney platform is unique in its modularity. The compliance software for financial institutions combines an open architecture with the latest proven technologies, such as explainable AI. No black box between prompt and result, but an AI that clarifies why certain choices are made. Harmoney can then help users with a whole raft of functionality, including automated data enrichment, frictionless client outreach, digital signatures, automated and perpetual AML screening, configurable risk scoring, and ID verification.

Each module can be used on its own or combined with others, so you can grow as you go. For the complete Harmoney experience and to benefit from all the advantages the platform has to offer, we do recommend using all the modules together.

M.01

Identification and validation

M.02

Automated data and document enrichment

M.03

UBO verification and confirmation

M.04

Document validation and fraud detection

M.05

Digital signing

M.06

AML, PEP, sanction, embargo and adverse media screening

M.07

Comprehensive risk scoring engine

M.08

Case management and continuous risk monitoring

M.09

Transaction monitoring

M.10

Mifid, IDD, and ESG profiling for investments and insurance

M.11

Client outreach

M.12

Reporting and analytics

The compliance solution bundles

Simplify financial compliance with our ready-made bundled solutions: Counterparty Risk Management, Contract Risk Management, KYC/KYB, and End-to-End Compliance. Effortlessly screen individuals and entities against watchlists, assess hits, and manage history. Capture documents, perform automated screenings, and ensure a "first time right" experience. Streamline your financial compliance journey today.

Counterparty Risk Management

The Counterparty Risk Management Bundle enables organizations to efficiently screen individuals and entities against global watchlists for sanctions, PEPs, and adverse media. It automatically generates reports when a match is found, helping assess if further investigations are needed to confirm the risk. Additionally, the bundle provides a time-stamped audit trail to effectively manage screening history.

Contract Risk management

The Contract Risk Management bundle manages a higher degree of complexity than the Counterparty Risk Management bundle as this bundle allows to define a risk scoring based on a screening which is performed on all parties (private individuals or legal entities) related to a counterparty: the client or supplier, the related companies, UBO’s, contract beneficiaries,… all parties you deem fit to be part of the KYC/AML risk management. Once onboarded, periodic rescreening and reviews can be performed by your compliance team.

KYC/KYB

Harmoney's KYC/KYB bundle is designed to provide a smooth and efficient onboarding and reboarding process for both private individuals and complex legal entities. This bundle includes capturing ID documents and personal info, standard KYC/KYB questionnaires, company related documents, UBO identification and verification and PEP-questionnaires. Completeness checks provide a high percentage of first time right, avoiding inefficient back-and-forth communications.

End-to-end compliance

This solution is a readily available, all-encompassing bundle to provide your organization with end-to-end financial compliance. Via the secure platform, relevant documents and datapoints from private individuals and legal entities can be captured. These include ID documents, proof of address, deed of Incorporation, identification of the UBO’s, PEP questionnaires….

Importantly, completeness checks provide a ‘first time right’ experience for both counterparties and employees.

Once all data and documents have been captured, an automated screening (AML, PEP and Adverse Media) on all parties related to a contract or file is performed allowing to instantly calculate the level of risk.

Our partners

Harmoney teams up with strong global allies, all possessing deep knowledge and extensive experience in their specific areas.