We specialize in corporate client onboarding due diligence and have the expertise to open, run, and document business operating accounts in Switzerland on behalf of companies from a wide range of sectors and industries.

Onboarding

- Exclusive focus on business clients and SME payments

- Frictionless digital corporate bank account opening for European SMEs in a Swiss premiere

- Data-driven customer onboarding workflow: superior user experience with no compromise

- Best-in-class fraud, digital identity, and authentication intelligence leveraging billions of confirmed email addresses during new account origination

- Screening of entire business networks, automated risk scoring, ongoing due diligence, TPRM (third-party risk management) and KYCC (know your customer's customer)

- Own IT landscape: proprietary onboarding workflow and data schema tailored to business customers, integrated client and data lifecycle management (DLM)

- "360 Arch": Swiss audit-proof archive with modern full-text search capabilities and DMS (document management system)

- "360 Analytics": AML discovery tool for dimensional data modelling

- Data residency in Switzerland: lowest-possible latency for Swiss and European customers

Global Payments

- Leading-edge core payments infrastructure with real-time stream of events for payment tracking and status reporting

- Real-time cash and treasury management with intraday account balance and statements

- Payment schemes: SIC, euroSIC, SCT (SEPA Credit Transfer), SCT Instant via RT1, STEP2, SWIFT GPI (global payments innovation) allowing many payments to be credited within 5 minutes

- Swiss custody: client funds kept at the SNB (Swiss National Bank) and Tier-1 Swiss universal correspondents

- Transaction monitoring and payment screening: competitive intelligence in detecting payment anomalies

- Automated signatory management (central list of current signatories) for larger corporates managing hundreds of accounts

- Trade services and specialized payment methods: export collections, letters of credit, documentary collections

- Real-time account ownership verification in a growing number of countries

- Best-in-class payment routing intelligence to enable safer, faster, and cheaper payments

Due Diligence

- Multi-year expertise in corporate banking: CDD (customer due diligence) and background checks for business onboarding, cross-border payments, and trade compliance

- Robust FCC (financial crime compliance) programme with CAMS and ACSS certified due diligence team

- Proprietary risk management framework featuring ongoing due diligence under FATF Recommendation 10 delivered through smart case management

- 360pay's perpetual KYC capabilities are an organic extension of its onboarding risk profiling - ongoing due diligence keeps risk control center-stage over the entire client lifecycle

- Proprietary visualization technology for company structure and ownership path

- Human touch: manual review, OSINT (open-source intelligence), and EDD (enhanced due diligence) when required

- Two-tier plausibility checks: Legal and Business Compliance in separate functions

- Comprehensive policy-based approach toward data governance to operationalize data trustworthiness