Catch Risks Before It Escalates
Automated alerts surface CCJs, adverse credit, sanctions changes, and structural warning signs the moment they occur, not at next year's review.
Powerful Client Lifecycle Management (CLM) Software
From onboarding to ongoing success, nCino's CLM solution revolutionises how banks onboard and grow commercial relationships.
Explore Resources - Onboarding
The Platform Trusted by Industry Leaders Across the World
Why CLM Transformations Stall
Modernising client onboarding and lifecycle management is a strategic priority for financial institutions, but most face the same barriers that slow progress, inflate costs, and push clients away.
Regulatory and Operational Complexity
Extended onboarding timelines due to complex regulatory requirements and operational processes.
Escalating Financial Crime Costs
Rising expenditure on financial crime compliance and anti-money laundering systems.
Rising Client Expectations
Client attrition resulting from slow and cumbersome onboarding and lending experiences.
Legacy Technology Challenges
Outdated systems creating operational silos and hindering digital transformation efforts.
Compliance Simplified. Smarter Onboarding. Faster Growth.
nCino CLM streamlines commercial onboarding by enhancing the customer experience, ensuring regulatory compliance, and embedding customer data. Instantly pre-populate forms, save time on risk assessments, remove manual data entry, and automate workflows with deep data via seamless integrations.
Data Aggregation
Provides a single source of truth, so you never have to ask clients for the same document twice.
Team Connection
Connects front, middle, and back office teams to improve collaboration and consistency.
Workflow Automation
Automates onboarding tasks like document collection, KYC/KYB, and compliance workflows.
Regulatory Control
Helps your teams manage regulatory requirements with more control and less friction.
Client Satisfaction
Give clients the transparency they expect through real-time updates to reduce churn.
Sustainable Growth
Supports long-term growth by creating stronger, more efficient commercial relationships for your sales teams.
Your Data Delivered Directly in Your Workflow
nCino CLM streamlines commercial onboarding by embedding UK-specific business intelligence directly into your workflows. Instantly pre-populate forms, automate risk assessments, and remove manual data entry with deep data.
This exclusive integration gives UK financial insitutions unparalleled access to:
Entity Search and KYB – Access 270M+ business records with real-time Companies House data and instant company verification.
UBO and Related Parties – Full visibility of ownership structures, corporate links, and key officers.
ID&V and AML Screening – Biometric identity checks plus real-time sanctions, PEP, and adverse media screening.
CIFAS Integration – Fraud prevention intelligence to protect against financial crime.
Credit Bureau Data – Instant creditworthiness assessment and financial health indicators.
Client Monitoring
Your annual review tells you what happened. nCino Client Monitoring tells you what's happening.
Continuous, automated monitoring of your entire commercial portfolio — so every risk is caught early and every growth signal is acted on fast.
nCino Client Monitoring replaces infrequent, calendar-based reviews with continuous, event-led oversight. Rather than assessing clients at fixed intervals, you monitor every relationship in real time, responding the moment a material change to a business or its risk profile occurs.
Built for Regulatory Reality
Regulators expect it. Your current process wasn't built for it.
MLR 2017 (Reg. 28) requires ongoing monitoring of business relationships, not just point-in-time reviews. FCA guidance and JMLSG principles reinforce that firms must identify and act on material changes as they occur, maintaining proportionate, risk-based oversight throughout the lifecycle.
Client Monitoring helps you maintain the ongoing monitoring processes regulators expect.
What Gets Detected - Automatically
RISK SIGNALS
CCJ filings & adverse credit
Insolvency or dissolution filings
Sanctions & watchlist changes
Significant financial deterioration
STRUCTURAL CHANGES
Director / officer changes
Significant shareholding changes
Registered address changes
UBO structure changes
The Business Case for Continuous Monitoring
Demonstrate Proactive Oversight
Every alert, review, and action is logged. Show regulators a full audit trail of ongoing monitoring activity, built into every relationship from day one.
Reduce Manual Compliance Review
Replace calendar-driven, paper-based compliance reviews with automated, risk-prioritised monitoring, freeing your teams to focus on clients that need attention.
Client Lifecyle Management FAQs
Solutions Built to Power and Evolve Your Financial Institution
Ready to transform your institution?
Trusted by over 2,700 financial institutions, the nCino Platform leverages agentic AI to enhance strategic decision-making, risk management, and customer satisfaction at your institution. See our best-in-class intelligent solutions in action - request your free demo today.
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