Keeping up with compliance remains a major operational challenge for banks. From 16-week onboarding
times to overwhelming volumes of false alerts, the compliance experience in 2025 is still stuck in 2010.
Banks are reporting that outdated compliance processes are hurting revenue, draining teams, and
frustrating customers. Some institutions have already adopted smarter, AI-driven compliance systems
and are seeing measurable improvements.
This article breaks down the core issues compliance teams face today and how AI-driven solutions are
helping leading banks solve them.
Nearly 67% of banks report losing customers during onboarding due to slow or inefficient KYC processes,
according to industry experts at Infosys. That’s more than half of the industry watching revenue walk out
the door.
Commercial clients, in particular, are affected the most. According to studies, some onboarding
processes take up to 16 weeks. That’s four months just to get started! This delay often results in client
abandonment.
Slow onboarding creates a direct financial impact.
• Locked accounts with no explanation
• Endless document requests
• Verification processes that stall for days
For banks, the impact goes beyond public perception. There are real costs in incident response, legal
disputes, and reputational damage, all because of outdated workflows.
Transaction monitoring systems generate high volumes of unnecessary alerts.
“Over 90% of alerts generated by legacy AML systems are false positives.”
Traditional AML systems are flooding compliance teams with alerts. And the worst part- Fintech Global reports that over 90% of those alerts are false positives. The Stack echoes this, pointing out that
these outdated systems still dominate in banking, despite the inefficiencies.
Compliance teams spend hours investigating alerts that lead nowhere. Meanwhile, real threats risk being
buried in the noise.
Customers experience wrongfully blocked accounts, delayed transactions, and long waits for resolution.
Trust quickly erodes when users are flagged and cannot get a clear answer.
In 2025, about 50% of banks still rely heavily on manual compliance processes. That stat came up again
and again in our research, and the effects are consistent:
• More delays
• More errors
• More internal frustration
Compliance teams feel constant pressure. Customers are affected by long waiting times and poor
communication. And leadership is often stuck between investing in updates and dealing with rising
inefficiencies.
Fraud cases are harder to manage. When incidents occur, customers expect a quick resolution. However,
manual reviews and siloed systems often result in delays lasting weeks or even months. This leads to
complaints filed with regulators like the FoS (Financial Ombudsman Service), BaFin (German Federal
Financial Supervisory Authority), or even the central bank, opening the door to fines, audits, and
reputational damage.
The future of compliance is intelligent and data-driven.
An effective compliance system must address the core operational challenges banks continue to face.
This includes:
• Accelerating onboarding processes
• Reducing false alerts
• Giving compliance teams clarity and control
• Offering integrated functionality across the entire lifecycle
Banks that adopt AI-driven compliance platforms are already seeing measurable improvements. These
tools are helping teams move faster, stay aligned with changing regulations, and deliver a better
experience to both customers and internal users.
At Complytek, we designed our platform around the exact problems banks are facing. The system is
unified, AI-powered, and built to actually work with the way banks operate today, not how they worked
15 years ago.
Complytek automates KYC and KYB using AI, smart workflows, and document checks. This reduces
onboarding time from 16 weeks to just minutes, and compliance teams avoid manual paperwork
overload.
The AI-driven system dramatically reduces false positives, flagging only genuinely suspicious activity. This
lowers the number of frozen accounts, saves time during investigations, and improves fraud detection
accuracy. Compliance teams operate more efficiently, and customer trust is maintained.
Complytek consolidates onboarding, transaction monitoring, risk assessment, and additional compliance
tasks into a single system. This eliminates data silos and reduces time lost switching between platforms.
The platform provides clear, real-time alerts that allow teams to act immediately. Decisions are made
faster and with better visibility when approving a new account, investigating flagged transactions, or
modifying risk settings.
The system adjusts to growing data volumes, changing regulatory requirements, and multi-region
operations. Updates to compliance scenarios can be made in under 24 hours by internal teams, with no
need for developer support.
One of our standout success stories comes from Baker Tilly South-East Europe, a major advisory firm
operating across Cyprus, Greece, Romania, Bulgaria, and Moldova.
They were facing a common challenge: fragmented compliance systems. Their CRM couldn’t
communicate effectively with their AML tools, slowing down operations and adding manual overhead.
With Complytek they implemented an integrated onboarding, KYC, and AML solution that now syncs instantly with their existing tools.
Compliance processes like PEPs (Politically Exposed Persons),
Sanctions, and Adverse Media Screening are now seamless and automated.
Installation was quick, the system required minimal training, with a smooth transition, brought no disruption, without a long
learning curve.
Baker Tilly now operates with higher speed, accuracy, and confidence.
Most banks don’t need to work harder. Their teams are already stretched.
They need to work smarter, with tools that reduce friction instead of adding more.
Many banks continue to face onboarding delays, sky-high false positive rates, manual handoffs, or tech
that doesn’t talk to each other.
Complytek is built to address these challenges with a unified KYC & AML solution that manages the
entire compliance lifecycle. It streamlines internal operations, reduces the burden on compliance teams,
and all while cutting down overall costs.
Legacy tools no longer meet today’s regulatory demands. Upgrading is no longer optional.
The right compliance solution can significantly improve speed, accuracy, and customer experience.
Book a free walkthrough and see how Complytek can help your bank work smarter, not harder.
