Automated KYC & Compliance for Brokers and Trading Platforms

Qoobiss helps insurance and insurtech businesses automate compliant onboarding, identity verification, KYB checks, AML screening, fraud prevention, and audit-ready risk controls in one modular platform. Verify policyholders, screen intermediaries, reduce manual review, and keep evidence trails ready as your insurance operations scale across products and markets.

Compliant onboarding at the speed of digital insurance

Insurance is moving toward embedded products, instant quotes, API-driven distribution, and fully digital policyholder journeys. That creates pressure on compliance, product, and underwriting teams: customers expect fast onboarding, while regulators and internal risk teams still need identity checks, screening, documentation, and consistent decisioning.

Qoobiss gives insurance teams a way to move faster without lowering controls. Instead of relying on separate tools for onboarding, verification, screening, fraud checks, and reporting, teams can orchestrate the full compliance lifecycle through one platform: onboard, verify, screen, monitor, decide, and report.

Stop fraud before policy issuance

Fraud risk can enter the insurance journey before a policy is even issued. Synthetic identities, manipulated documents, impersonation attempts, false applicants, and high-risk intermediaries can all create exposure long before a claim is filed.

With ONTRACE, OMNICHECK, and OVERWATCH, Qoobiss helps insurers detect risk early in the application and onboarding process. Identity verification, document authenticity checks, biometric verification, sanctions and PEP screening, adverse media checks, and risk scoring can all be triggered before a customer, agent, broker, or corporate counterparty is approved.

• Document and identity fraud prevention — verify ID documents, facial biometrics, and liveness signals.

• Synthetic identity detection — identify mismatches and suspicious onboarding patterns.

• Risk-based onboarding — fast-track low-risk applicants while escalating higher-risk cases for review.

• Intermediary screening — apply KYB, UBO, sanctions, and PEP checks to brokers, MGAs, and business accounts.

  
  

Onboard policyholders, agents, and beneficiaries in seconds

ORIGIN is Qoobiss’s onboarding orchestration layer for designing and managing end-to-end compliance journeys. Insurance teams can configure different onboarding flows for retail policyholders, corporate policyholders, brokers, agents, beneficiaries, and counterparties without rebuilding the entire onboarding stack.

This allows insurers to apply the right level of friction to each journey. A low-risk retail policyholder can move through a faster digital flow, while a high-value policy, corporate account, or intermediary relationship can trigger additional checks, approvals, or manual review.

• Configurable onboarding workflows by product type, geography, and risk profile.

• Automated identity verification for policyholders, agents, and beneficiaries.

• KYB and UBO checks for MGAs, brokers, commercial policyholders, and reinsurance counterparties.

• Fallback paths for manual review, enhanced due diligence, or additional documentation.

Screen risk across the full insurance relationship

Insurance compliance does not stop once the policy is issued. Risk status can change during the customer lifecycle, especially for high-value policies, cross-border accounts, intermediary networks, commercial lines, and claims-related workflows.

OMNICHECK supports AML, sanctions, PEP, and adverse media screening at onboarding and during ongoing monitoring. If a policyholder, beneficiary, broker, MGA, or counterparty becomes newly exposed to sanctions, adverse media, or other risk indicators, the platform can trigger alerts and workflows for the compliance team.

• Screen applicants, beneficiaries, brokers, MGAs, and business entities.

• Apply continuous monitoring for high-risk or high-value relationships.

• Trigger alerts when a customer or counterparty risk status changes.

• Maintain a traceable record of screening results, decisions, and actions taken.

Detect application and claims risk earlier

Claims fraud and application fraud often share the same underlying risk signals: identity inconsistencies, suspicious document patterns, abnormal behaviour, repeated attempts, or mismatches between the applicant, device, document, and policy context.

OVERWATCH helps insurance teams evaluate risk signals and trigger alerts or blocks when threats are detected. This makes Qoobiss useful not only for onboarding, but also for claims teams that need stronger evidence, traceability, and risk-based escalation at First Notice of Loss and settlement stages.

• Flag suspicious identity, document, or behavioural patterns.

• Support First Notice of Loss and claims-settlement risk checks.

• Use risk scoring to escalate cases before losses occur.

• Build investigation-ready evidence for internal reviews and regulatory audits.

Stay audit-ready across products and markets

Insurance businesses need more than a pass-or-fail verification result. They need to show how a decision was made, which checks were performed, which risk signals were evaluated, and which team or workflow approved the case.

Qoobiss creates audit-ready traceability across onboarding, screening, monitoring, and decisioning. Every check, decision, rule, and evidence point can be logged so compliance teams have a structured record when responding to internal reviews, external audits, or regulatory requests.

• Traceability and audit trails — every check, data point, decision, and escalation can be recorded.

• Structured evidence — identity, document, screening, and risk signals can be stored in one case view.

• Configurable policies — apply different rules by insurance product, country, customer type, or risk level.

• Central decision view — maintain consistent controls across onboarding, underwriting, and claims workflows.

No-code workflow builder for insurance compliance

Qoobiss is built to fit into existing insurance systems rather than replace them. With ORIGIN, teams can design onboarding flows, decision points, fallback routes, and escalation paths while connecting dedicated compliance modules such as ONTRACE, OMNICHECK, OVERWATCH, and eSignature.

This gives product, engineering, and compliance teams more flexibility. Teams can start with identity verification, then add AML screening, KYB checks, ongoing monitoring, or fraud prevention as the business grows.

• RESTful APIs, SDKs, webhooks, and sandbox testing.

• Modular adoption: start with one capability and expand over time.

• No full platform replacement required.

• Configurable workflows for retail, commercial, intermediary, and claims journeys.

Solutions Used in Insurance & Insurtech

Qoobiss provides a modular compliance platform for onboarding, risk management, fraud prevention, and audit readiness across insurance and insurtech operations.

• ORIGIN — Orchestrates policyholder, agent, broker, beneficiary, and counterparty onboarding workflows.

• ONTRACE — Performs identity verification using document checks, biometric verification, and liveness detection.

• OMNICHECK — Delivers AML, sanctions, PEP, and adverse media screening with ongoing monitoring.

• OVERWATCH — Evaluates risk signals, triggers alerts, and supports fraud prevention workflows.

• Electronic Signature — Supports digital acceptance and legally binding signature flows where required.

Use Cases Across Insurance & Insurtech

• Digital-first insurers — launch compliant onboarding at scale with risk controls embedded from day one.

• Embedded insurance providers — add verification and compliance checks directly into partner distribution flows.

• MGAs and delegated authorities — verify business entities, UBOs, brokers, and intermediary networks.

• Life and health insurers — support identity verification and beneficiary screening for high-value policies.

• Claims teams — strengthen fraud detection, evidence capture, and risk escalation at FNOL and settlement.

• Reinsurance — screen counterparties and business entities for treaty and facultative placements.

• Insurance marketplaces and aggregators — apply risk-based onboarding for providers listed on the platform.