Name: ONYX-SOS
Brand: ONYX-SOS

Question 1

Client onboarding and KYC/CDD compliance software

Accepted Answer

Client onboarding and KYC/CDD compliance software brings every step of taking on a new client — information capture, identity verification, screening, risk assessment, approval and ongoing monitoring — into one structured, audit-ready workflow. The aim is to replace email chains, shared drives and spreadsheets with a single controlled record of who was onboarded, by whom, on what basis and with what evidence. ONYX-SOS is a client onboarding and KYC/CDD compliance platform built for regulated and compliance-driven businesses across Guernsey, Jersey, the Isle of Man and the UK, providing structured workflows, MLRO oversight and full audit trails so compliance decisions are consistent, defensible and regulator-ready.

Question 2

What does ONYX-SOS do?

Accepted Answer

ONYX-SOS is an end-to-end KYC/CDD compliance platform that controls and evidences the entire customer due diligence lifecycle — from onboarding and screening to risk assessment, approval and ongoing monitoring. Every step is structured, controlled and fully auditable, ensuring compliance decisions are justified and defensible — giving you confidence in your compliance and readiness for regulatory scrutiny.

Question 3

Which regulators is ONYX-SOS aligned to?

Accepted Answer

ONYX-SOS supports Customer Due Diligence and wider AML/CFT/CPF processes that are designed to align with regulatory expectations across multiple jurisdictions. This includes risk-based assessments, MLRO oversight, documented rationale, approval workflows and structured audit trails. The platform is configurable to support requirements in Guernsey, Jersey, the Isle of Man and the UK.

Question 4

How does PEP and sanctions screening work in ONYX-SOS?

Accepted Answer

ONYX-SOS integrates with global PEP, sanctions and adverse media data sources to screen clients, directors, UBOs and associated parties during onboarding and ongoing monitoring. Potential matches are identified and routed through structured review workflows, where analysts validate results and record decisions. Confirmed matches trigger Enhanced Customer Due Diligence (ECDD) and require MLRO approval before a case can progress. All screening activity, reviews and decisions are fully logged to the audit trail.

Question 5

What is ongoing monitoring in AML compliance?

Accepted Answer

Ongoing monitoring means keeping client information, due diligence and risk assessments up to date throughout the relationship — not just at onboarding. ONYX-SOS supports this through risk-based review schedules, event-driven triggers and structured workflows, with higher-risk clients reviewed more frequently. Outcomes, rationale and approvals are recorded in a clear audit trail, helping firms demonstrate that client risk profiles remain current, proportionate and defensible.

Question 6

How does the External Client Portal work?

Accepted Answer

The External Client Portal enables compliance teams to request and collect client information and documentation through secure, time-limited links sent to clients and third parties. Submissions are made without the need for accounts or manual exchanges. All data and documents are structured, time-stamped and linked directly to the case audit trail, supporting consistent onboarding, accurate risk assessment and a fully defensible record for regulators. Required fields and document requests can be configured to ensure consistent and complete data collection.

Question 7

Does ONYX-SOS support Microsoft 365 Single Sign-On?

Accepted Answer

Yes. ONYX-SOS supports Microsoft 365 SSO, allowing your compliance team to authenticate using their existing corporate credentials. This simplifies user provisioning and deprovisioning, and ensures access control is managed centrally through your Azure Active Directory or Microsoft Entra ID tenant.

Question 8

What if our organisation doesn’t use Microsoft?

Accepted Answer

Microsoft 365 is not a prerequisite. Firms that don’t use Microsoft can sign in with standard username and password authentication, with optional multi-factor authentication for added security. Where required, we can also support other enterprise identity providers as part of a tailored deployment. SSO is an available option, not a requirement, so ONYX-SOS works alongside whichever identity and access stack your organisation already uses.

Question 9

Where is the data stored?

Accepted Answer

ONYX-SOS is hosted on secure, UK / EEA-based cloud infrastructure with encryption at rest and in transit. Specific hosting locations and data residency arrangements are confirmed per client in the data processing terms agreed at the point of engagement, and any international transfers are governed by the safeguards set out in our Privacy Policy. Audit trails, document evidence and case records remain within controlled, access-restricted environments throughout the client lifecycle.

Question 10

What is an immutable audit trail and why does it matter for regulators?

Accepted Answer

An immutable audit trail is a tamper-proof, timestamped log of every action taken in a compliance case — document uploads, risk score changes, approvals, screening results and user notes. Regulators require firms to demonstrate a complete and accurate record of how due diligence decisions were made. ONYX-SOS captures every action automatically with no ability to edit or delete historical entries.

Question 11

How long does ONYX-SOS take to deploy?

Accepted Answer

ONYX-SOS is cloud-based and can be deployed quickly, with no infrastructure required on the client side. Initial setup — including configuration of risk questionnaires, user roles and workflows — is typically completed within a short, guided implementation process. Most firms are able to begin onboarding clients within days of setup, depending on complexity and requirements.

Question 12

What role does ONYX Solutions Limited play?

Accepted Answer

ONYX-SOS is owned and developed by ONYX Technologies Limited. ONYX Solutions Limited provides implementation, project management and compliance delivery support for ONYX-SOS, allowing firms to adopt SOS in a structured way without pulling internal teams away from business-as-usual work. ONYX Solutions can also support or undertake remediation projects using SOS, helping firms organise, evidence and progress client file reviews through a controlled, audit-ready workflow.

Question 13

What types of firms use ONYX-SOS?

Accepted Answer

ONYX-SOS is designed for regulated and compliance-driven businesses, including fund managers, administrators, fiduciary firms and prescribed businesses across Guernsey, Jersey, the Isle of Man and the UK. The platform supports both day-to-day onboarding and large-scale remediation programmes, helping compliance teams manage complex client structures, risk assessments and regulatory requirements at scale.

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