Finance / Free editable template

KYC customer onboarding process template

A know your customer onboarding process checks who a new customer is before an account is opened. This example runs identity, sanctions and politically exposed person screening and address checks in parallel, scores the risk, then routes low and medium risk customers to standard due diligence and high risk customers to enhanced checks and senior sign-off.

This is a planning example, not financial, accounting, tax or legal advice. Check your own policies, auditors and local rules.

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KYC customer onboarding process example showing three checks run in parallel, risk rating with two due diligence routes, decline route and suspicion note
Everything in this example is editable. Replace the labels, move the shapes and adapt the layout to your work.

How to use this template

  1. List your checks

    Replace the example checks with the ones your policy requires for each customer type, such as company ownership checks for businesses.

  2. Define the risk rating

    Agree what makes a customer high risk, such as country, industry or ownership structure, and who can approve them.

  3. Set the review cycle

    Give every account a review date based on its risk. High risk customers are reviewed more often.

Questions about this template

Can I add a fourth check to the parallel ones?

Yes. Add a branch beside the identity, sanctions and address checks, such as adverse media, and join it to the risk rating.

Do I need an account to use it?

No. Open the template and edit it in your browser. Your work saves on this device. An account is optional if you want to sync your workspace.

Can I export the finished diagram?

Yes. Use Export in the editor to save a PNG, SVG or PDF, or download an editable .epicdraw backup.

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