Use case | Insurance

Compliant client onboarding, reimagined

How Perigord helped a global life insurer turn regulatory drag into an effortless, client-first digital experience: ready for audit, built for trust.

Snapshot

Designed to deliver

Simple, digital fact-find: unlocks save-and-resume for real-life interruptions
Adviser workspace: real-time validation, status at a glance
Consent & compliance fully embedded, with automated audit trails
AML/ KYC hooks ready from the first day (PEP, sanctions, ID&V)

The challenge

Long and frustrating onboarding impacting the customer experience

Paper-based onboarding and KYC processes often result in multiple touchpoints, incomplete submissions and lengthy review cycles. The resulting delays and customer frustration were hindering conversion rates, increasing operational effort and postponing the delivery of products and services to new clients.

The approach

Human + regulation by design

We worked closely with compliance, IT and business stakeholders to simplify customer journeys and address key pain points. Regular feedback and fortnightly demonstrations ensured a practical, compliant solution, with all changes fully controlled and auditable.

The solution

A united data layer around the systems already in place

Intelligent client onboarding

One data layer that carries every client from first conversation to a submission-ready case:

A fact-find clients can pause and resume: save-and-resume built around real-life interruptions
An adviser workspace that checks as you go: real-time validation and status at a glance
Compliance embedded, not bolted on: AML/KYC checks for PEP, sanctions and ID&V, with consent and suitability built into the journey
Communications that keep pace with regulation: governed templates and language, updated in step with regulatory change
Insight with every interaction: from drop-offs to first-time-right rates

Built on one version of the truth

Underneath, a unified, API-first data layer powers every touchpoint and document, delivered at MVP speed with the extensibility for what comes next. Security is built in: GDPR-aligned, encrypted, role-based and always audit-ready. Clear, plain language and accessibility features run across every channel, with built-in tools that help advisers spot and support vulnerable customers.

All client data is processed on infrastructure under the client’s control, on EU-based AI models

The outcome

What this journey is built to deliver

Faster decisions, less admin. A typical cycle time cut by 40–60%.
Fewer errors. First-time-right rates go up, NIGO corrections come down.
Auditors delighted, not just satisfied.
Advisers spend more time with clients and less time on screens.

The data lives inside the client’s environment, end to end

Document capture, AML/ KYC and validation ran on infrastructure under the client’s control, with encrypted transfer, secure storage and full audit logging. No policyholder data was shared with external, non-EU AI providers.

Insurance & pensions