Bank Compliance Software for Banks and Lenders

KYC, AML and Credit Checks for Banks and Lenders

Qoobiss is bank compliance software for retail banks, neobanks, credit unions and consumer lenders. It connects identity verification, AML screening, income verification and electronic signature in one modular stack, so every customer decision has one record and one audit trail. Banks use it to open accounts remotely, run customer due diligence at scale and answer regulator requests without rebuilding evidence by hand. Qoobiss delivers:

• Audit-ready workflows

• Risk-based orchestration

• API-first integration

Request a demo to see how Qoobiss fits your bank or lending process.

Financial Services Compliance Software Without the Patchwork

Most banks run onboarding, KYC, sanctions screening and credit checks through separate vendors. Each has its own data model, its own alerts and its own audit log, and compliance teams reconcile them by hand.

Qoobiss replaces that patchwork with modular products that share one customer record. OVERWATCH, the compliance risk management platform, sits on top and gives risk and compliance teams a single view of every check, alert and decision. Products such as ONTRACE and OMNICHECK handle the individual steps, and each one can run on its own or as part of the full flow.

KYC Solutions for Banks

Remote account opening only works if verification is fast and holds up in an audit. ONTRACE checks the ID document, reads the NFC chip and matches the customer’s face with liveness detection, so synthetic identity fraud and forged documents are stopped before an account exists.

ORIGIN wraps those checks into configurable digital onboarding for banks: different flows for retail, SME and high-risk customers, with no code changes. Higher-risk profiles can be routed to enhanced due diligence automatically. See how automated KYC verification fits into your existing account-opening journey.

AML Software for Banks

OMNICHECK screens customers and counterparties against more than 1,000 sanctions, PEP and enforcement lists at onboarding, then re-screens them daily. Matches are scored and routed to analysts with the evidence attached, which keeps politically exposed persons and sanctioned entities visible for the whole relationship.

For ongoing due diligence, transaction monitoring flags unusual volumes, structuring and cross-border patterns in real time, with alert workflows that feed suspicious activity reporting. Learn how AML screening works across the full customer lifecycle.

KYC and Creditworthiness Checks for Lenders and BNPL

The EU Consumer Credit Directive 2 applies from 20 November 2026. It extends creditworthiness rules to BNPL and to loans under EUR 200, and requires lenders to base decisions on accurate data about income and expenses.

Qoobiss gives lenders official data instead of self-declared figures. With the customer’s consent, income verification pulls income data from ANAF and credit history from Biroul de Credit in the same onboarding flow, replacing uploaded payslips as proof of income. The loan agreement is then signed with a qualified electronic signature, so identity, affordability and consent sit in one file.

How the Lifecycle Works

Onboard → Verify → Screen → Monitor → Decide → Sign

ORIGIN captures the application and runs the onboarding flow. ONTRACE verifies identity, and lenders add income and credit checks at the same step. OMNICHECK screens against sanctions and PEP lists, then re-screens daily alongside transaction monitoring, which keeps KYC current between periodic reviews. OVERWATCH applies your risk rules and logs each decision, and a qualified electronic signature closes the contract. Start with one product and add the others as your requirements grow.

Use Cases Across Banking and Lending

Qoobiss automates manual checks for every type of bank and lender, from first application to the signed contract.

• Retail and commercial banks: remote account opening and periodic KYC refresh for existing customers

• Neobanks and digital banks: fast mobile onboarding with NFC chip reading

• Credit unions and cooperative banks: compliance automation without building in-house

• Consumer lenders and IFN: affordability checks with ANAF and Biroul de Credit data

• BNPL providers: creditworthiness evidence for small, short-term loans now in scope of CCD2

• Leasing and auto finance: identity, income and e-signature in one dealer or online flow

Integration Built for Bank IT Teams

Qoobiss plugs into your core banking or loan origination system without replacing it.

• API-first: every product is available through APIs and webhooks, designed for modular rollout.

• Developer Hub: documentation, SDKs, webhooks and a sandbox for testing before go-live.

• Modular: start with KYC or AML screening and add income verification or e-signature later, without a second integration project.

Prepared for AMLR and CCD2

Two deadlines shape bank and lender compliance over the next year: CCD2 for creditworthiness from 20 November 2026, and the EU Anti-Money Laundering Regulation (AMLR), which sets one customer due diligence rulebook across the EU from 10 July 2027. Qoobiss keeps the evidence for both in the same record: who the customer is, what they were screened against, what data supported the credit decision, and when they signed. All data is handled in line with GDPR, and OVERWATCH keeps a complete activity trail for audits and regulator requests.