Regulatory APIs, asset servicing capabilities and KYC for banks
Finologee supports banks with three solution lines.
Finologee Regulatory APIs cover PSD2 and PSD3, CEDRS and Verification of Payee, helping banks meet regulatory obligations with production-grade interfaces and operating controls.
Finologee Banking Orchestrator enriches asset servicing portals with modular capabilities for funds and asset servicers: payment workflows, depositary oversight, liquidity automation, securities reporting, multi-bank connectivity, and fund operations. Banks embed what they need into existing channels or deploy as a stand-alone white-labelled portal.
Finologee KYC Manager digitalises onboarding and ongoing KYC and AML, including risk scoring, periodic reviews and remediation.
At a glance
Asset servicing portal enrichment
Embedded, bank-branded servicing capabilities for funds and asset servicers.
Depositary oversight for investment payments
Supervised payment initiation with ex-ante depositary review and decision traceability.
Digital onboarding & KYC lifecycle
Structured collection,
file completeness,
and collaborative workflows.
Screening, risk scoring & reviews
Ongoing KYC/AML with periodic reviews and remediation campaigns.
Key capabilities for bank environments
PSD2/PSD3 compliance APIs
A compliance layer for access-to-account obligations, designed to meet PSD2 today and evolve toward PSD3/PSR.
- Provide a dedicated API compliance layer for regulated access-to-account requirements
- Support the consent lifecycle and required functional scope for compliant access flows
- Offer operational components such as onboarding/sandbox tooling and production controls
Regulatory APIs for CEDRS and Verification of Payee
Dedicated regulatory API products for account & safe-deposit holders reporting and Verification of Payee, designed to fit into existing bank operating models.
- CEDRS: a gateway product to support account holders reporting obligations
- Verification of Payee: a dedicated API capability for payee verification in payment flows
- Designed as standalone products that fit into existing bank operating models
Asset servicing portal enrichment
Payment workflows, liquidity automation, fund operations and multi-bank connectivity embedded into asset servicing portals for funds and asset servicers.
- Embed operational capabilities into the bank’s asset servicing portal via API integration and bank-branded UI components
- Deploy payment workflows with approval chains and signatory controls under bank policy
- Connect to third-party banks for multi-bank visibility and control
- Automate liquidity routines with cash concentration across own-bank and third-party accounts
- Enable capital calls, fee collection, and e-invoicing for fund operations
- Provide consolidated cash and securities reporting across custodians with controlled exports
Depositary oversight portal for supervised investment payments
Supervised initiation and ex-ante depositary review for investment payments, with evidence attachments, recorded decisions and traceable outcomes prior to execution.
- Allow supervised entities to submit depositary-in-scope payments with justifying documents attached
- Pause transactions automatically for depositary review before further processing
- Enable depositary actions in a dedicated workspace (approve / reject / request additional information or changes)
- Maintain an audit trail across decisions, supporting documentation and processing outcomes
Digital onboarding and KYC file lifecycle management
Centralise onboarding and ongoing due diligence, designed for audit-ready compliance operations.
- Centralise KYC files with configurable workflows aligned to internal procedures
- Enable secure outreach to customers for data collection and confirmation
- Provide dedicated interfaces for back-office teams and end-customer interactions
- Support integration patterns via API to connect with internal systems
Screening, risk scoring and ongoing monitoring
Risk scoring, case handling and continuous monitoring to support periodic reviews and remediation work.
- Use risk scoring engines and configurable risk matrices aligned to bank policies
- Support case management and continuous monitoring for KYC/AML control activities
- Run periodic review cycles and remediation campaigns with structured oversight
- Produce reporting and analytics that support audit and operational follow-up
Finologee Regulatory APIs
Finologee provides regulatory API products that help banks meet high-stakes obligations with clarity and operational confidence. The portfolio covers PSD2/PSD3 access-to-account compliance, CEDRS reporting of account and safe-deposit box holders under CSSF Circular 20/747, and Verification of Payee for beneficiary verification in payment flows. Each product is delivered as a secure, monitored service designed to integrate into existing bank architectures and operating models.
What we cover
Access-to-account compliance layer
Expose PSD2/PSD3 APIs aligned to industry specifications and route calls into bank systems through a dedicated gateway layer.
- Support consent lifecycle and SCA handling aligned to regulatory requirements.
- Enable certificate-based authentication and controlled third‑party access patterns.
- Operate with monitoring, traceability, and availability controls.
CSSF Circular 20/747 reporting
Enable compliant sharing of IBAN account and safe-deposit box holder data via an outsourced gateway approach.
- Support different operating models, including options where the bank keeps the reporting payload encrypted end‐to‐end.
- Provide operational monitoring so reporting obligations remain reliable over time.
- Maintain evidence and traceability for audit and oversight work.
Beneficiary verification for the Instant Payments Regulation
Verify name and IBAN and return match outcomes that can be used as a pre-execution check in payment journeys.
- Designed to integrate into payment flows without forcing a broader platform change.
- Provide clear match results to support decisioning and exception handling.
- Delivered as a focused API capability aligned to industry requirements.
Finologee Banking Orchestrator
Finologee Banking Orchestrator enables banks to enhance their asset servicing portals without rebuilding from scratch. Embed production-ready capabilities for funds and asset servicers into existing channels through API integration and bank-branded UI components, spanning payments, depositary oversight, liquidity automation, multi-bank connectivity, fund operations and securities reporting. Banks select what their clients need and deploy independently or combined, or as a white-labelled portal, with consistent governance and audit trails across all modules.
How banks and their clients use Finologee Banking Orchestrator
Funds and asset servicers access the bank’s portal to initiate payments, automate liquidity routines, manage fund operations, and monitor securities positions. Depositary banks review and approve investment payments through dedicated oversight workflows. Back-office teams at banks or asset servicers, depending on the operating model, manage counterparties, configure signatory matrices, and monitor audit trails, with entitlements enforced under bank policy.
Payments & accounts
Payment initiation, tracking and monitoring
Asset servicers initiate investment payments through multi-step approval chains before bank submission.
Operations teams at banks or asset servicers, depending on the operating model, track payment status, monitor batch processing, and investigate exceptions with audit trails.
- Multi-step approval workflows with maker-checker controls and role separation
- Payment tracking across creation, validation, authorisation and execution states
- Batch booking and payment grouping for operational efficiency
- Standing orders for recurring payment automation
Dashboard & reporting
Consolidated positions, forecast and action centre with statements retrieval
Banks and their clients access consolidated dashboards showing account positions, pending actions, transaction forecasts, and overdue items. Bank relationship managers and asset servicer operations teams use dashboards to monitor client activity and identify issues requiring attention. Users retrieve statements across accounts with filtering and export capabilities.
- Action centre consolidating pending approvals, exceptions and overdue items
- Position forecasts showing upcoming transactions and projected balances
- Consolidated reporting across accounts, banks (where enabled) and currencies
- Statement retrieval with filtering and export capabilities
- Customisable dashboard widgets aligned to user roles
Multi-bank connectivity
Operate across clients' accounts at third-party banks
Banks extend their servicing experience to client accounts held at third-party banks, consolidating visibility and enabling payment initiation and tracking across banking relationships. Asset servicers access consolidated multi-bank views and operate consistently across their entire banking network through the bank’s interface.
- Consolidated multi-bank account visibility within the bank's interface
- Payment initiation and tracking across multiple banking relationships
- Consistent entitlements and approval policies across connected banks
- Statement retrieval and reporting across all connected accounts
- Support for house bank operating models with cross-bank liquidity management
Liquidity automation
Zero-balance, target-balance and threshold cash sweeping with structure visualisation and scheduling
Banks and their clients configure rule-based cash concentration routines with zero-balance and custom-balance logic for scheduled execution. Treasury teams at banks or asset servicers, depending on operating model, set threshold parameters, monitor sweep outcomes, and adjust rules as account structures evolve.
- Zero-balance automation sweeping source accounts to master accounts
- Target-balance and threshold rules with upper and lower limits
- Scheduled execution with daily, weekly or monthly frequencies
- Structure visualisation showing account hierarchies and sweep flows
- Run history and exception monitoring with audit trails
Depositary controls
Workflows with ex-ante controls, RFI workflow and document exchange
Asset servicers initiate supervised investment payments with supporting documentation; payments are automatically paused for depositary bank review before execution. Depositary bank users access a dedicated workspace to review transactions, approve or reject with decision rationale, or request additional information through structured request for information (RFI) workflows.
- Automatic pause of supervised investment payments for depositary review
- Dedicated depositary workspace with review queue and document access
- Approve, reject or request changes with clear decision rationale
- Request for information (RFI) workflows with structured follow-up
- Complete audit trail linking decisions to supporting evidence
Fund operations
Capital calls, fee collection, e-invoicing and securities portfolio monitoring
Fund administrators manage capital call reconciliation, collect management fees via SEPA direct debit, send and receive e-invoices through the integrated Peppol gateway, and monitor securities positions across fund structures.
- Capital call management with expected contribution tracking and reconciliation
- Fee collection via SEPA direct debit with mandate management
- E-invoicing integration via Peppol for automated invoice processing
- Securities account monitoring with position visibility and statement access
Counterparty management & screening
Risk classification, continuous monitoring, and AML screening
Asset servicers operations teams onboard and manage counterparties with risk classification, continuous monitoring, and AML screening. Maker-checker controls enforce validation before counterparties are approved for payment initiation.
- Counterparty onboarding with maker-checker controls
- Risk classification with configurable scoring matrices
- SWIFT Pre-Validation
- Continuous monitoring with alerts on status changes
- Integration with KYC Manager for screening and compliance data
Signatory & user administration
Self-management of role-based access, signatory matrices and tenant configuration
Client-side administrators at funds and asset servicers manage users, configure signatory matrices with approval rules by amount and account, and set up tenant configurations for fund and entity-level segregation. Banks may retain oversight or approval rights depending on the operating model, whilst clients control day-to-day administration and e-signature authorisation via the mobile app.
- User and signatory management with role-based access controls
- Signatory matrix configuration with approval rules and thresholds
- Gaps and overlaps analysis for signatory rule completeness
- E-signature via dedicated mobile application
- Multi-tenant management with fund and entity-level segregation and switching
Finologee KYC Manager
Finologee KYC Manager digitalises onboarding and ongoing KYC/AML across the client lifecycle. It brings client interaction, document and data collection, screening, risk scoring, reviews, and remediation campaigns into one controlled workflow, with integration options to feed enriched datasets into bank systems and operating processes.
Typical workflows
- Request
- Collect
- Validate
- File
Digital onboarding with structured data and document collection
Centralise client outreach and evidence gathering in a single dossier, reducing back-and-forth and improving completeness.
- Identify
- Enrich
- Verify
- Maintain
Data, document and UBO enrichment for legal entities
Build and maintain robust entity profiles, including ownership structures, with supporting documentation attached to the file.
- Screen
- Score
- Review
- Evidence
Screening, risk scoring and case handling
Apply screening and scoring aligned to internal policy, manage exceptions through structured review, and evidence decisions.
- Monitor
- Trigger
- Update
- Re-validate
Continuous monitoring and periodic review cycles
Keep profiles current by monitoring changes and running scheduled reviews with clear tasks, follow-ups and traceability.
- Segment
- Outreach
- Collect
- Complete
Targeted remediation campaigns at portfolio scale
Run structured refresh campaigns for selected populations, with questionnaires, reminders and guided submission journeys.
- Standardise
- Export
- Consume
- Report
Consistent KYC datasets for downstream systems and reporting
Deliver structured outputs to internal tools and reporting processes, so teams and systems consume consistent datasets.
Ready to innovate and tailor solutions to fit your needs?
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