Ongoing monitoring & perpetual KYC
Onboarding is a moment; risk is continuous. Zanyara keeps verified customers under watch and tells you the moment something changes — a new sanctions or PEP listing, fresh adverse media — so you act on the exception instead of re-reviewing everyone on a calendar.
How it works
- Enrol a subject Add a verified customer to monitoring via the API or as a subscription; you choose which list types to watch.
- We watch the lists Zanyara re-screens against sanctions, PEP and adverse-media data as those sources update.
- Only deltas alert A genuinely new or changed match raises an alert — unchanged matches stay quiet.
- Human review, then webhook Matches route through maker-checker triage; confirmed changes are pushed to your webhook and reflected in the subject’s status.
Why event-driven beats periodic refresh
- Lower cost per review — you review changes, not the entire customer base on a fixed cycle.
- Faster to react — a new sanctions hit surfaces when it lands, not at the next annual review.
- Aligned with expectations — the UK Money Laundering Regulations require firms to keep customer information current and monitor business relationships on an ongoing basis.
- Same decisioning — monitoring uses the same screening and human-in-the-loop review as onboarding, so decisions stay consistent.
Part of one AML surfaceMonitoring shares data and adjudication with sanctions, PEP & adverse-media screening and adverse-media screening — onboarding and ongoing checks are the same engine, not two products to reconcile.
Frequently asked questions
- What is perpetual KYC (pKYC)?
- Perpetual KYC replaces the periodic “refresh every 1–3 years” cycle with event-driven re-screening: a customer is re-checked automatically when something relevant changes — a new sanctions or PEP listing, fresh adverse media, or a watchlist update — rather than on a calendar. You review exceptions, not the whole book.
- How are alerts delivered?
- Each monitored subject has a live status you can read over the API, and changes are pushed to your webhook as they happen, so an alert can open a case in your system automatically. You control which list types (sanctions, PEP, adverse media) generate an alert.
- Does monitoring create a lot of noise?
- Only the deltas surface, and matches route through the same human-in-the-loop maker-checker triage as your onboarding screening, so a reviewer confirms or dismisses before it reaches your team. Tuning thresholds and whitelisting cleared entities keeps volume manageable.