KYC/AML Operations Outsourcing

Last updated: November 11, 2026

KYC/AML operations outsourcing gives regulated companies trained analysts who handle the operational workload of customer due diligence, sanctions and PEP screening, transaction monitoring alert review and periodic reviews, under your compliance policy and your compliance officer’s supervision. You keep the legal responsibility and the final decisions; we provide the capacity, process discipline and audit trail so that onboarding queues do not grow and alerts are not left unreviewed.

Who is KYC/AML operations for and why outsource it

Banks, payment and e-money institutions, fintechs, crypto asset service providers, brokers, insurers, leasing and factoring companies, and other obliged entities face uneven workloads: a marketing campaign doubles onboarding volume, a new rule floods the alert queue, a regulator asks for a backlog of periodic reviews to be cleared. Hiring and training analysts for each peak is slow and expensive, and leaving work undone creates regulatory risk. Outsourcing the operational layer lets your compliance team focus on policy, risk assessment and decisions, while a scalable team handles document checks, screening hits and first-level alert reviews against clear procedures.

Legal framework: MASAK, Law No. 5549 and where responsibility sits

In Turkey, where the team operates, the core framework consists of Law No. 5549 on the Prevention of Laundering Proceeds of Crime, Law No. 6415 on the Prevention of the Financing of Terrorism, Law No. 7262 on the prevention of financing of the proliferation of weapons of mass destruction, and the regulations on measures and on compliance programmes. Supervision and guidance belong to MASAK, the Financial Crimes Investigation Board. Banks are also subject to BDDK, payment and e-money institutions to the Central Bank (TCMB), and crypto asset service providers and brokers to the Capital Markets Board (SPK).

If you operate in other markets, local AML rules apply as well, for example the EU AML directives and the new AML Regulation, the UK Money Laundering Regulations and FCA expectations, US BSA requirements, or GCC rules such as those of SAMA and the UAE Central Bank. Your legal and compliance team defines how these apply; we implement the resulting procedures.

Obligation	Operational activity	Where responsibility stays
Customer identification and beneficial ownership	Document checks, remote identity verification queue, ownership structure research	Policy and approval: obliged entity
Customer due diligence and risk scoring	Data collection, risk factor scoring, enhanced due diligence files	Risk appetite and high-risk approval: compliance officer
Sanctions and PEP screening	Screening hit review, false positive closure with rationale, escalation	Final match decision: obliged entity
Transaction monitoring	L1 alert review, case preparation, escalation	Suspicious transaction decision and report: compliance officer
Suspicious transaction reporting	Case file and draft narrative	Filing with MASAK: obliged entity only
Record keeping	Organised, retrievable case and document archive	Retention policy: obliged entity
Periodic review	Refreshing customer data and risk scores on schedule	Approval: obliged entity

Suspicious transaction reports are always decided and filed by your compliance officer. Tipping-off rules mean that our analysts never inform customers about reviews or reports.

Service scope: modules and tasks

Onboarding / KYC: document and selfie checks, liveness review queues, address and company registry checks, beneficial ownership mapping.
KYB: corporate customer files, trade registry and ownership research, director and shareholder screening.
Screening: sanctions (UN, EU, OFAC, UK and national lists), PEP and adverse media hit review.
Transaction monitoring: L1 review of rule-based and model-based alerts, case preparation for L2.
EDD: source of funds and source of wealth documentation, enhanced review files.
Periodic review and remediation: backlog clean-up, refresh cycles by risk level.
Quality assurance: sampling, four-eyes checks and error feedback.

We work in your systems, such as your core banking or onboarding platform, screening tools (for example Dow Jones, Refinitiv World-Check, LexisNexis, ComplyAdvantage) and case management tools. For software rather than operations, see our KYC/AML compliance software page.

Working models

Model	How it works	Best for
Managed KYC/AML operations	We run agreed queues under SLAs, reporting to your compliance officer	Growing fintechs and payment institutions
Dedicated analysts	Named analysts work in your systems as part of your team	Banks and larger institutions
Peak and backlog support	Temporary team for campaigns, remediation or periodic review backlogs	Short-term volume spikes
Extended hours	Evening, weekend and 7/24 onboarding and screening coverage	Instant onboarding and payments

Remote, on-site or hybrid arrangements are possible, with teams from one analyst to 200+ people.

Onboarding process

Scoping: queues, volumes, systems, policies and approval levels.
Procedure mapping: your policy is turned into step-by-step desk procedures and decision trees.
Training and certification: analysts are trained on your procedures and tested before live work.
Pilot: a limited queue with 100% quality checks.
Scale-up: full volume with sampling-based QA and regular calibration sessions.

A team can typically start within 1–2 weeks, depending on access approvals and training needs.

Service levels and KPIs

KPI	What it measures
Onboarding turnaround	Time from application to decision-ready file
Alert ageing	Open alerts by age against agreed limits
Quality score	Error rate found in QA sampling
Escalation accuracy	Share of escalations confirmed by L2 or compliance
Backlog burn-down	Progress on periodic review or remediation backlogs
Productivity	Cases per analyst per hour, tracked with quality

Targets are agreed in the service agreement for your specific queues; we do not publish generic figures.

Pricing: what it depends on

Factor	Effect on cost
Volume and complexity	Retail KYC vs. complex corporate KYB and EDD files
Coverage hours	Business hours, extended or 7/24
Languages	Turkish, English, Arabic or other document languages
Quality model	Sampling level and four-eyes requirements
Dedicated vs. shared team	Availability and specialisation
Systems and access	Onboarding effort for your tools and security requirements

In-house team, freelancer or outsourcing

Criterion	In-house	Freelancer	Outsourcing
Scaling for peaks	Slow hiring	Limited	Team scaled up or down
Continuity	Depends on retention	Single point of failure	Replacement process for staff
Quality control	Must be built	Rare	QA and calibration included
Time to start	Months	Fast but limited	Typically 1–2 weeks

KYC/AML Operations Outsourcing — overview

Risks and how we manage them

Responsibility confusion: written RACI; decisions and filings stay with your compliance officer.
Inconsistent decisions: decision trees, calibration sessions and QA sampling.
Data security: work only in your systems, MFA, no local storage, clean-desk rules.
Tipping-off: analysts trained on confidentiality, no customer contact about reviews.
Outsourcing rules: we support your regulatory outsourcing notifications and audit rights.

Security, data protection, NDA and intellectual property

Analysts are background checked to the level you require, work on secured devices and access your systems through accounts you control. Audit rights for you and your regulators can be included in the contract.

Contract framework: we work under a B2B service agreement with a clear statement of work. An NDA is signed before any access is granted, and all deliverables, procedures, decision trees, QA reports and documentation created for you are assigned to you as intellectual property. Where we process personal data on your behalf, we sign a GDPR-compliant data processing agreement (DPA) with Standard Contractual Clauses (for UK clients, the IDTA or UK Addendum); on the Turkish side the team also complies with KVKK (Law No. 6698). Team members are employed by 360 Soft under Turkish labour law, so there is no employment relationship between them and your company.

Banking secrecy and sector-specific outsourcing rules in Turkey and in your own country are reflected in the contract and access design.

Illustrative scenario

Illustrative scenario: a payment institution launches a campaign and onboarding applications rise sharply, while a periodic review backlog is already open. A temporary team takes over first-level document checks and screening hit review in the institution’s own tools, with the compliance officer approving high-risk files and all escalations. Once volumes normalise, the team is scaled down. This example is for illustration only.

Checklist when choosing a provider

Is the split of responsibility written down?
Do analysts work only in your systems?
Is there a training and certification step before live work?
How are quality and calibration managed?
Can they scale for peaks and support extended hours?
Do they support regulatory outsourcing requirements and audit rights?
Are NDA, DPA and IP assignment part of the contract?

Frequently asked questions

Can KYC/AML work be outsourced?

Operational tasks can generally be outsourced, but legal responsibility stays with the obliged entity. Check the outsourcing rules of your regulator with your legal team.

Who files suspicious transaction reports?

Your compliance officer decides and files. We prepare case files and draft narratives for review.

Do your analysts make final decisions?

No. They perform checks and recommend outcomes according to your procedures; approvals and final decisions remain with your authorised staff.

Which screening tools do you work with?

We work in your existing tools, such as Dow Jones, World-Check, LexisNexis, ComplyAdvantage or in-house systems.

Do you cover corporate KYB?

Yes. Corporate files, ownership research and director and shareholder screening are part of the scope.

Can you work outside business hours?

Yes. Extended hours and 7/24 shifts are possible for onboarding and screening queues.

Which languages do you support?

Turkish and English as standard, and other languages such as Arabic can be arranged depending on volume.

How is customer data protected?

Analysts work only in your systems, with MFA, no local storage and access logging, under an NDA and a DPA.

How quickly can you start?

Typically within 1–2 weeks, depending on access approvals and training.

Who owns the procedures you write?

You do. All procedures, decision trees and reports are assigned to you under the contract.

Talk to us

Tell us about your KYC/AML operations needs and we will come back with a scoped proposal, a team plan and a realistic start date (typically 1–2 weeks). Call +90 850 335 10 87, message us on WhatsApp, email info@360-soft.com or use the contact page. 360 Soft Marketing Yazılım ve Danışmanlık Ltd. Şti., Nidakule Ataşehir Batı, Barbaros Mah. Begonya Sk. No:1 D:2, 34746 Ataşehir/İstanbul.