KYC files: an AI that checks client files for gaps, on servers in Switzerland
The audit is in May. Three hundred client files, most opened years ago: a passport copy that has since expired, a beneficial owner declaration signed by someone who is no longer a director, a two-line note on where the wealth comes from. Someone has to read them all. Which ones would fail?
The short answer: a local model reads each client file against your own checklist and lists what's missing, expired or inconsistent, with the page it looked at, and compliance decides what to do. It runs on servers in Switzerland, Meow's or your own, so the files don't go through a public AI service. How well it spots gaps is something to test, on files you've already reviewed.
Checked against the law on 30 September 2026
Is the file complete?
- Identified, with evidence
Under the Anti-Money Laundering Act, the contracting party is identified from a document with evidentiary value, and the beneficial owner is established with due care (arts. 3 and 4).
- Kept up to date
Files are reviewed periodically, as often as the client's risk requires, and kept at least ten years after the relationship ends (art. 7).
- Readable by an outsider
Files are kept so that an expert third party can form a reliable judgement (art. 7). A gap found today is one the auditor won't find later.
How to test it
0 of 8 checked
With the findings of your last review or audit: that's your answer key.
What each file must hold, by kind of client: person, company, trust or foundation.
Let the model list what's missing, expired or inconsistent in each file, and compare with your findings.
A gap it doesn't see matters more than one it flags for nothing.
Expired documents, and reviews overdue for the client's risk level.
The same person spelled differently, a director who changed, a beneficial owner missing from the structure chart.
Register extracts, deeds and letters in German, French, Italian and English.
The model lists gaps; a person decides what is enough.
Ticked them all? The kit turns this into a test you can run next week: what it checks and what a person decides, a file checklist to start from, the test plan, and what to count before sizing a server. Get the kit
What it checks, and what a person decides
The kit covers six parts of a file. Two of them:
- An identity document
- Check the expiry date, and that the name matches everywhere else in the file.
- The beneficial owner declaration
- Check who signed it, and that it matches the structure chart and the register extract.
- A commercial register extract
- In the kit
- Source of wealth and of funds
- In the kit
- The date of the last review
- In the kit
- A structure with a trust or foundation
- In the kit
Why it runs in Switzerland
A client file holds passports, the structure behind the money and where the wealth comes from. Read on servers in Switzerland, operated for you, it doesn't pass through a public AI service.
What it needs
Text recognition for scanned files, then a model on a server with a graphics card; long files with many documents need more memory. A review of the whole book is a batch job that can run overnight: the Meow Academy's planner shows how models fit on hardware.
Where does your firm stand?
The self-check takes two minutes and says which first step fits. Or talk it through in a free 15-minute call.
Book a free 15‑minute call
Pick a time that suits you and confirm it from your inbox. If the time no longer works on our side, you hear from us the same working day.
What happens in 15 minutes
- 0–5 min
Your situation
What AI should do for you, and what it must never see.
- 5–10 min
What's possible
Which tasks can run privately, roughly what it costs, and what should stay human.
- 10–15 min
The next step
A test on your own documents, an assessment, or nothing yet.
Prefer to write? Send a message
Tell us what you'd like AI to do, and what it must never see. We'll tell you honestly what's possible, what it costs and what should stay human. No details yet? A hello is enough.