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Built by industry experts with deep experience in compliance and AML 

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1. Getting Started

  • azakaw’s Compliance Platform is a cutting-edge regulatory management system designed to help businesses navigate compliance challenges with ease. It provides a centralised, secure, and customisable solution that automates compliance processes, reduces operational risks, and supports business growth.

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    Key Features:

    • Digital Onboarding (KYC/KYB): Easily customise your onboarding processes and verify customers in an instant, ensuring a smooth and secure experience while meeting all compliance requirements effortlessly. Onboard all your business partners, from individual clients and companies to vendors and employees, with a streamlined, comprehensive solution tailored to your needs.

    • Real-Time Transaction Monitoring: Stay one step ahead with instant alerts! Our advanced AI-powered rules engine detects suspicious activities in real time, helping you protect your business from potential risks with unparalleled accuracy.

    • Corporate Compliance: Take the stress out of corporate compliance. Our platform enables you to manage all your obligations, policies, and procedures seamlessly, providing real-time updates so nothing slips through the cracks.

    azakaw’s Compliance Platform simplifies the complexities of regulatory compliance, allowing businesses to focus on growth and operational efficiency.

  • Step 1: Access Your Portal

    • Visit the azakaw login page.

    • Enter your credentials and click Log In.

     

    Step 2: Configure Company Details

    • Create your single or multiple organisations within the system

    • Add your company name, logo, and contact details.

     

    Step 3: Customise Branding

    • Go to Settings > App Customization

    • Select your preferred colour scheme and upload your logo.

     

    Step 4: Set Up User Roles

    • Navigate to User Management.

    • Add users and assign appropriate roles.

     

    Step 5: Configure Compliance Settings

    • Go to Compliance Settings.

    • Set up key compliance rules, notifications, and approval processes.

     

    Step 6: Review and Launch

    • Double-check configurations and branding.

    • Your portal is now ready to support your compliance journey!

  • Permissions and roles in azakaw’s platform ensure secure, role-specific access to sensitive data and tasks. The system follows a permissions-based model, allowing administrators to control what each user can see and do.

    Role Flexibility:

    azakaw offers the flexibility to create as many roles as your business requires, each with unique permissions tailored to operational needs. Roles can be customised per user, per department, or even per client.

    Roles Examples:

    • Administrator: Full access to manage platform settings, users, and compliance data.

    • Compliance Officer: Handles compliance reviews, approvals, and notifications.

    • Relationship Manager (Custom Role Example): Assists with onboarding processes, verifies submitted documents, and liaises with clients.

    • AML Analyst (Custom Role Example): Reviews risk assessments, sanctions screening, and suspicious activities.

    • Data Entry User: Limited to entering and updating data.

    • Viewer: Read-only access to assigned sections.

    Permission Types:

    • View: Access data without editing.

    • Edit: Modify existing records.

    • Create: Add new records.

    • Delete: Remove records permanently.

  • Digital Onboarding

    The Digital Onboarding Dashboard in azakaw provides businesses with a centralised view of client onboarding processes, enabling effective monitoring and management of KYC (Know Your Customer) and AML (Anti-Money Laundering) compliance. It ensures that compliance teams can oversee onboarding statuses, risk profiles, and document submissions in a streamlined and user-friendly way.

     

    Key Features of the Dashboard

    • Summary Overview

      • Consolidated Status: Displays the total number of onboardings, including Approved, Pending, and Closed cases.

      • AML Risk Profile: Breaks down risk categories (High, Medium, Low, and Prohibited) to help prioritise high-risk clients.

      • Onboardings: Highlights the number of Completed and Incomplete client onboardings.

      • Pending Approvals: Summarises onboarding requests awaiting compliance team approval.

      • Classification: Tracks client classifications, including Retail, Professional, and Market Counterparty.

      • Delete Requests: Provides visibility into open, declined, and closed requests for removing client records.

     

    • Risk Profiles

      • Displays client risk distribution (High, Medium, Low) over the current year.

      • Helps compliance teams identify trends in client risk levels and address high-risk profiles promptly.

     

    • Document Renewals

      • Tracks expired and upcoming document renewals.

      • Categorises renewals by timeframe (e.g., Expired, 30 Days, and 90 Days) for easy prioritisation and follow-up.

     

    • Exceptions

      • Monitors exceptions flagged during onboarding processes, segmented by Individuals and Legal Entities.

     

    • Sanction Screening

      • Provides insights into sanction screenings performed over various timeframes (e.g., This Year, This Quarter, Today).

      • Displays Open, Closed, and Under Review cases to assist compliance officers in resolving flagged profiles efficiently.

     

    • Politically Exposed Persons (PEPs)

      • Tracks the number of politically exposed individuals and legal entities flagged during onboarding.

      • Displays trends over the year to monitor PEP activity and ensure adherence to AML compliance requirements.

     

    Why It’s Important

    The Digital Onboarding Dashboard centralises onboarding activities and risk monitoring, giving compliance teams clear visibility into client statuses, document renewals, and risk categories. By offering real-time insights and tracking key metrics, businesses can streamline compliance processes, mitigate risks, and meet regulatory obligations efficiently.

     

    Corporate Compliance Dashboard

    The Corporate Compliance Dashboard helps businesses manage compliance obligations, internal processes, and regulatory updates in real time.

    Dashboard Features:

    • Authorised Persons Regulations: Track authorised status, renewal deadlines, and progress of compliance tasks.

    • Regulatory Capital Monitoring: Monitor capital requirements, including Tier 1, Tier 2, and Minimum Capital.

    • Systems & Controls: View policy updates, pending tasks, and acknowledgment statuses for corporate policies and procedures.

    • Notification Requirements: Get reminders for upcoming deadlines, such as indemnity cover renewals and DIFC approvals.

    • Outsourcing Status: Track outsourcing tasks and approvals with a clear overview of approved, pending, or rejected activities.

    • Compliance Monitoring: Review high, medium, and low findings for AML, conduct of business, and regulatory reporting.

    • Approval Times: Analyse the shortest, longest, and average approval durations to ensure efficiency.

    Additional Features:

    • Securities Advertisements: Track and manage advertisement approvals and their current statuses.

    • Governance Arrangements: View the organisational hierarchy, including compliance responsibilities assigned to team members.

    • Risk Alerts: Automatically flag high-risk items based on compliance findings and regulatory reporting.

2. Platform Customisation (White-Labeling)

  • azakaw’s platform offers extensive customisation features, enabling businesses to tailor the system with their branding, colors, and communication styles. This includes complete white labeling of platform and emails to ensure consistency with their corporate identity.

  • Customise your platform's appearance to reflect your company's branding:

    • Upload your company logo.

    • Change the platform’s colour scheme to match your brand identity.

  • Tailor all outgoing emails to reflect your branding:

    • Set up branded email templates.

    • Customise automated email content, including onboarding invitations, approvals, and notifications.

  • Create custom roles to suit your business needs:

    • Define unique roles with specific permissions.

    • Assign client-specific permissions across different tenants.

    • Set varying permissions for regions or offices.

  • Customise the client experience:

    • Use the no-code form builder to personalise onboarding forms.

    • Enable or disable specific form sections.

    • Customise the client login and dashboard views.

  • Keep teams informed and clients updated:

    • Set up internal team notifications.

    • Define automated alerts based on business policies.

    • Create reminders for KYC refreshes and document renewals.

3. User Management

  • azakaw allows administrators to easily create and edit users within the platform while assigning specific roles and permissions. This ensures the right team members have access to the tools they need while maintaining a secure workflow.

    • Navigate to User Management:

      • Go to Settings > Users from the main menu.

    • Create a New User:

      • Click on the Create User button (top-right corner).

    • Fill in User Details:

      • Enter the following information:

        • First Name, Middle Name, and Last Name

        • Email (used for user credentials)

        • Mobile Number (optional for additional authentication)

        • Location (assign user to a specific office, e.g., Dubai or DIFC)

        • Reports To (select the supervisor or reporting manager, if required)

    • Assign a Role:

      • Use the Role dropdown menu to assign the appropriate role to the user (e.g., Admin, Compliance Officer, Custom Roles).

    • Configure KYC Access (Optional):

      • Choose whether to assign All KYC Access or limit the user to Assign KYC Only access.

    • Save and Finalise:

      • Click Create User to finalise the addition. The user will receive an email invitation to log in and set up their credentials.

    • Locate the User:

      • In Users, search for the user’s name or scroll through the user list.

    • Edit Details:

      • Click the ellipsis menu (three dots) next to the user’s name.

      • Select Edit User.

    • Update Information:

      • Modify the user’s details, role, or permissions as needed.

    • Save Changes:

      • Confirm updates by clicking Save.

    • Roles: Assign pre-defined roles (Administrator, Compliance Officer, Viewer, etc.) or custom roles with tailored permissions.

    • Access Levels: Specify user permissions (View, Edit, Create, Delete).

    • KYC Configuration: Control access to KYC profiles and related tasks.

    • Location Assignment: Allocate users to specific regions or offices for better data management.

  • Administrators can review and adjust permissions from the User Management menu.

    1. Navigate to User Management:

      • Go to Settings > Users from the main menu.

    2. Locate the User:

      • Select the user you want to assign a role to from the list of active users.

    3. Assign a Role:

      • Click on the user’s profile or select the Edit User option.

      • Use the Role dropdown menu to assign a predefined role, such as (examples):

        • Administrator

        • Compliance Officer

        • AML Analyst

        • Relationship Manager

        • Viewer

        • Other

    4. Customise Role Permissions (Optional):

      • If the predefined roles don’t suit your needs, you can assign Custom Roles with unique permissions:

        • View: Allows the user to see data but prevents edits.

        • Edit: Allows modifications to existing records.

        • Create: Allows the addition of new records.

        • Delete: Allows the permanent removal of records.

    5. Region or Tenant-Specific Permissions:

      • For multi-jurisdictional businesses, assign permissions to specific regions or tenants:

        • For example, restrict a Compliance Officer to access data only for “DIFC” or “Dubai”.

        • Use the dropdown to select applicable tenants or regions.

    6. Save the Role Configuration:

      • Once permissions and regions have been assigned, click Save to finalise changes.

4. Client & Data Management

  • azakaw provides the flexibility to add clients manually or send them KYC/KYB forms via a link. The process adapts to your predefined rules per jurisdiction, region, and customer type.

    How to Add a Client Manually:

    1. Navigate to the KYC Section:

      1. Go to Digital Onboarding > KYC List.

    2. Click on "Add KYC":

      1. Locate the Add KYC button at the top-right corner.

    3. Fill in Client Information:

      1. In the General Information pop-up:

        1. Select Entity Type (e.g., Individual, Company).

        2. Choose the relevant Client or jurisdiction (e.g., Funds ADGM).

        3. Enter client details:

          1. First Name, Middle Name, Last Name

          2. Mobile Number

          3. Email

        4. Select a predefined onboarding Form (e.g., Individual Onboarding).

    4. Save and Continue:

      1. Click Continue to finalise the entry.

    5. Send Credentials (Optional):

      1. Once added, you can send credentials to the client directly from the KYC List by clicking Send Credentials under the Actions column.

     

    Using KYC/KYB Forms:

    • You can send onboarding forms via email links to clients, allowing them to input their information directly.

    • Fields in the forms vary based on:

      • Jurisdiction: Different rules for DIFC, ADGM, etc.

      • Region: Rules specific to offices or regions.

      • Customer Type: Individual, vendor, or company requirements.

  • azakaw makes it easy to manage clients across regions, providing clear segmentation of data by jurisdiction, office location, and customer categories.

    Access Region-Specific Data:

    1. Filter by Client or Region:

      1. Use the Filter by Client dropdown at the top of the KYC List to view clients based on:

        1. Specific regions or jurisdictions (e.g., Funds ADGM, DIFC).

        2. Assigned compliance officers or teams.

    2. View Client Details:

      1. Filtered data includes:

        1. Submission Date

        2. Status (e.g., New, Compliance Review)

        3. Client Assigned To and responsible employee.

    3. Export Data:

      1. Use the Export As button to download client data segmented by region or jurisdiction for audits and reviews.

    Benefits of Data Segmentation:

    • Simplifies compliance tracking across jurisdictions.

    • Ensures visibility of region-specific client onboarding progress.

    • Allows teams to focus on their designated jurisdictions without overlapping data.

  • azakaw enables businesses to classify and manage client portfolios efficiently based on risk categories (Low, Medium, High), ensuring compliance and appropriate monitoring.

    How Risk Categories Work:

    Automated Risk Assignment:

    • During onboarding, clients are automatically assigned a risk category based on predefined criteria:

    • High, Medium, or Low risk levels.

    Manual Risk Overrides:

    • Compliance officers can review and override the risk rating if needed:

    • Navigate to the client’s profile.

    • Select Override Risk Rating and provide a justification.

5. KYC & KYB Onboarding

  • azakaw’s platform simplifies the process of adding and managing clients, whether manually or by sending KYC/KYB forms. The system dynamically adapts to the rules predefined by jurisdiction, region, and customer type, ensuring compliance at every stage.

    Option 1: Manual Addition

    1. Navigate to KYC Requests:

      1. Go to Digital Onboarding > KYC Request.

    2. Click on “Add KYC”:

      1. Choose the client type:

        1. Individual (for persons)

        2. Company (for organisations).

    3. Enter Client Information:

      1. Fill in key fields, such as:

        1. First Name, Last Name

        2. Email Address (used for credentials)

        3. Mobile Number

        4. Password setup (optional for self-registration).

    4. Select Region and Jurisdiction:

      1. Assign the client to a specific jurisdiction or office (e.g., DIFC, ADGM).

    5. Save and Finalise:

      1. Click Save to add the client to the system.

     

    Option 2: Send KYC Forms for Self-Onboarding

    1. Navigate to the KYC Request Section:

      1. Go to Digital Onboarding > KYC Request.

    2. Send Onboarding Credentials:

      1. After adding the client details, click Send Credentials under the Actions column.

      2. Clients will receive an email link to their KYC/KYB onboarding form.

    3. Client Completes the Form:

      1. Clients input their own information, including:

        1. Personal Information: Name, email, phone number.

        2. Documents and Verification: Upload ID cards, passports, or other required documents.

        3. Liveness Test: Verify their identity through live photo comparison.

        4. Employment Info: Job roles and employment verification.

        5. Transaction and Tax Status: Sources of funds and tax-related data.

        6. Risk Appetite and Classification: Self-assessment of risk levels and compliance categories.

    4. Monitor Submission:

      1. The KYC Dashboard reflects completed and pending onboarding forms for review.

     

    Managing Clients Across Multiple Jurisdictions

    • Clients are automatically segmented by jurisdiction, region, and customer type.

    • Use Filters in the KYC List to display clients under specific jurisdictions (e.g., DIFC, ADGM, or Karachi Office).

    • Monitor submission statuses, document uploads, and risk classifications per jurisdiction.

  • How to Add a Business Client Manually

    1. Navigate to KYC Requests:

      1. Go to Digital Onboarding > KYC Request.

    2. Click on “Add KYC”:

      1. Select Legal Entity as the entity type when prompted.

    3. Fill in Company Information:

      1. Enter required details, such as:

        1. Company Name

        2. Email Address

        3. Company Registration Number

        4. Jurisdiction or Region (e.g., DIFC, ADGM).

    4. Select Onboarding Forms:

      1. Choose a predefined business onboarding form based on customer type and jurisdictional requirements.

    5. Save and Finalise:

      1. Click Save to add the company profile.

     

    Using KYB Onboarding Forms for Business Clients

    Instead of manual entry, businesses can self-onboard by completing dynamic forms that include the following sections:

    1. Company Information:

      1. Legal name, registration details, and incorporation date.

    2. Business Information:

      1. Industry type, business activities, and operations overview.

    3. Corporate Documents:

      1. Upload mandatory documents, such as:

        1. Certificate of Incorporation

        2. Memorandum & Articles of Association

        3. Shareholder Agreements

    4. Directors:

      1. List company directors and upload their identification documents.

    5. Beneficial Owners:

      1. Specify individuals with ownership or significant control over the company.

    6. Source of Funds & Wealth:

      1. Provide information on capital sources and operational funding.

    7. Transaction Information:

      1. Outline expected transaction volumes and types.

    8. Financial Experience:

      1. Record financial history, reporting standards, and key financial data.

    9. Tax Status:

      1. Add tax identification numbers and compliance status.

    10. Risk Appetite:

      1. Define the company's risk profile and objectives.

    11. Classification:

      1. Assign the appropriate business category (e.g., SME, Corporate).

    1. Region-Specific Filters:

      1. Use filters to view business clients by region (e.g., DIFC, ADGM, or Karachi Office).

    2. Custom Rules by Jurisdiction:

      1. Fields and requirements dynamically adjust for businesses in different jurisdictions, ensuring compliance with local regulations.

    3. Document Tracking:

      1. Monitor document uploads, expiry dates, and required approvals via the KYC Dashboard.

    4. Automated Risk Assignment:

      1. Business clients are categorised into Low, Medium, or High risk levels based on submitted data and predefined rules.

  • azakaw’s No-Code Form Builder allows you to create fully customisable onboarding forms without any technical expertise.

    Steps to Create a Custom Onboarding Form:

    1. Navigate to the Onboarding Section:

      • Go to Onboardings > Create Onboarding.

    2. Start a New Form:

      • Name the form (e.g., Individual Onboarding or Company Onboarding).

      • You can add:

        • Pages

        • Sections

        • Items/Fields

    3. Add Sections and Fields:

      • Use automatic components to add:

        • Text Fields: For names, addresses, and other data.

        • Date Pickers: For dates of incorporation or birth.

        • Dropdowns: For country selection or business type.

        • File Uploads: For documents like IDs and certificates.

        • Radio Buttons: For Yes/No questions.

        • Custom Sections: For Directors, Beneficial Owners, or Transaction Information.

        • Liveness Test

        • Document Verification

        • Among Others

    4. Set Requirements:

      • Mark fields as Required or Optional.

      • Add placeholders and character limits for clarity.

    5. Save and Preview:

      • Review the form layout before publishing.

    6. Publish:

      • Finalise the form to make it available for use.

  • Once onboarding forms are created, you can assign them directly to customers for self-onboarding.

  • Azakaw ensures secure and accurate onboarding through Document Verification and Liveness Tests.

    Document Verification:

    1. Document Upload:

      • Customers upload identification documents (e.g., Passport, National ID, Incorporation Certificates).

    2. Verification Process:

      • The system automatically checks:

        • Document validity.

        • Matching details (e.g., name, date of birth).

      • Compliance teams can manually review and approve documents as needed.

    3. Track Status:

      • Approved, rejected, or pending document statuses are visible on the KYC Dashboard.

     

    Liveness Test:

    1. Live Photo Capture:

      • Customers perform a liveness test by capturing a real-time photo during onboarding.

    2. Matching Verification:

      • The system compares the live photo with the uploaded document (e.g., Passport or ID).

    3. Results:

      • Results are marked as Passed or Failed.

      • Compliance officers can override results manually if needed.

6. Compliance & Risk Management

  • azakaw allows businesses to define and configure risk scoring models tailored to their specific policies and compliance needs. Organisations can set weightings, scoring criteria, and approval flows for Low, Medium, or High-risk profiles. By aligning the system with internal frameworks, businesses can efficiently prioritise and escalate higher-risk cases for review, ensuring that workflows are both robust and efficient.

  • With azakaw, businesses can customise risk criteria and review dates to align with their compliance policies. Organisations can configure how risk levels (e.g., High, Medium, Low) are determined and set automated review periods for re-assessment. This ensures that client data and risk statuses remain current while reducing manual effort. Businesses can stay compliant with regulatory obligations by automating routine KYC refreshes and timely document reviews.

  • azakaw provides compliance officers with the ability to override system-generated risk ratings when exceptions arise. This feature is critical for scenarios where additional context or human judgement determines that a client’s risk profile needs to be adjusted. Overrides are logged with clear justifications to ensure transparency, accountability, and a full audit trail, making compliance reviews accurate and defensible.

  • azakaw integrates automated sanction screening and negative news checks to help businesses identify potential risks in real time. The system scans global sanctions lists, watchlists, and media sources, flagging suspicious profiles for compliance review. Teams can filter results, review alerts, and mark hits as true matches, partial matches, or false positives. This proactive monitoring helps mitigate risks, maintain compliance, and prevent regulatory penalties.

  • The platform automates KYC refresh cycles and manages document renewals based on pre-defined risk levels and policies. Organisations can schedule automated reminders for expiring documents and high-risk client reviews, ensuring no compliance deadline is missed. With azakaw, businesses can maintain up-to-date client information, reduce manual follow-ups, and meet ongoing regulatory obligations effortlessly.

7. Corportate Compliance Module

  • azakaw simplifies the compliance review process through a structured creator-reviewer-approver flow. Compliance officers can systematically review submitted profiles, validate documentation, and approve or reject client statuses. Profiles can also be locked to prevent unauthorised changes during reviews. This organised workflow ensures accurate decision-making, improves collaboration, and keeps compliance processes efficient and traceable.

  • azakaw’s corporate compliance module enables businesses to create, manage, and monitor internal policies and processes. Teams can set rules, assign tasks, and ensure accountability with a structured creator, reviewer, and approver workflow. Businesses can allocate compliance tasks to team members, track progress in real time, and manage regulatory obligations seamlessly. This module centralises compliance efforts, ensuring policies are acknowledged, reviewed, and approved efficiently across departments and regions.

    1. Policy & Procedure Management

    • Policy Creation & Approval Flows: Allow compliance teams to create, update, and approve internal policies through a structured creator-reviewer-approver process.

    • Version Control & History: Track changes with version histories, ensuring that teams always access the latest approved policies.

     

    2. Task Assignment & Tracking

    • Task Automation: Automatically assign tasks to relevant team members based on compliance triggers (e.g., policy updates or audit requirements).

    • Progress Monitoring: Monitor task completion through real-time dashboards, ensuring timely action on compliance-related tasks.

     

    3. Approval Workflows

    • Multi-Level Approvals: Set up multi-tiered approval chains for policies, procedures, and compliance decisions, ensuring checks and balances at every stage.

    • Role-Specific Workflows: Define specific roles (e.g., Compliance Officer, Manager) to create, review, and approve key processes.

     

    4. Compliance Calendar & Notifications

    • Automated Reminders: Schedule reminders for upcoming compliance deadlines such as document renewals, policy reviews, and audit submissions.

    • Compliance Milestone Tracking: Track key milestones with built-in calendar views, ensuring critical deadlines aren’t missed.

     

    5. Reporting & Audit Logs

    • Comprehensive Reporting: Generate reports on compliance progress, policy approvals, and team activity for audits or internal reviews.

    • Audit Logs & Documentation: Maintain an immutable audit trail of every compliance-related action for accountability and transparency.

     

    6. Governance & Organisational Oversight

    • Organisational Hierarchies: Set up governance structures with clear reporting lines and assigned responsibilities.

    • Compliance Roles & Permissions: Ensure each team member has the right level of access, reducing data exposure risks.

    7. Compliance Issue Management

    • Incident Reporting & Tracking: Log compliance issues, assign resolutions, and track incidents from reporting to closure.

    • Corrective Action Plans: Implement corrective measures, track follow-ups, and document resolutions for audit readiness.

8. Notifications & Alerts

With azakaw, businesses can fully customise notifications and alerts to ensure timely updates on compliance tasks and client activities.

  • Setting Up Custom Notifications: Administrators can configure platform-wide notifications based on key compliance events, such as completed onboarding, risk updates, or pending approvals.

  • Managing Client-Specific Alerts: Alerts can be tailored for specific clients, ensuring compliance teams receive updates related to critical client changes, such as sanctions hits or document submissions.

  • Automated Policy Renewal Reminders: The system automatically sends reminders for policy renewals, document expirations, and upcoming compliance reviews, helping businesses stay ahead of deadlines.

2. Platform Customisation (White-Labeling)

  • azakaw’s platform offers extensive customisation features, enabling businesses to tailor the system with their branding, colors, and communication styles. This includes complete white labeling of platform and emails to ensure consistency with their corporate identity.

  • Customise your platform's appearance to reflect your company's branding:

    • Upload your company logo.

    • Change the platform’s colour scheme to match your brand identity.

  • Tailor all outgoing emails to reflect your branding:

    • Set up branded email templates.

    • Customise automated email content, including onboarding invitations, approvals, and notifications.

  • Create custom roles to suit your business needs:

    • Define unique roles with specific permissions.

    • Assign client-specific permissions across different tenants.

    • Set varying permissions for regions or offices.

  • Customise the client experience:

    • Use the no-code form builder to personalise onboarding forms.

    • Enable or disable specific form sections.

    • Customise the client login and dashboard views.

  • Keep teams informed and clients updated:

    • Set up internal team notifications.

    • Define automated alerts based on business policies.

    • Create reminders for KYC refreshes and document renewals.

3. User Management

  • azakaw allows administrators to easily create and edit users within the platform while assigning specific roles and permissions. This ensures the right team members have access to the tools they need while maintaining a secure workflow.

    • Navigate to User Management:

      • Go to Settings > Users from the main menu.

    • Create a New User:

      • Click on the Create User button (top-right corner).

    • Fill in User Details:

      • Enter the following information:

        • First Name, Middle Name, and Last Name

        • Email (used for user credentials)

        • Mobile Number (optional for additional authentication)

        • Location (assign user to a specific office, e.g., Dubai or DIFC)

        • Reports To (select the supervisor or reporting manager, if required)

    • Assign a Role:

      • Use the Role dropdown menu to assign the appropriate role to the user (e.g., Admin, Compliance Officer, Custom Roles).

    • Configure KYC Access (Optional):

      • Choose whether to assign All KYC Access or limit the user to Assign KYC Only access.

    • Save and Finalise:

      • Click Create User to finalise the addition. The user will receive an email invitation to log in and set up their credentials.

    • Locate the User:

      • In Users, search for the user’s name or scroll through the user list.

    • Edit Details:

      • Click the ellipsis menu (three dots) next to the user’s name.

      • Select Edit User.

    • Update Information:

      • Modify the user’s details, role, or permissions as needed.

    • Save Changes:

      • Confirm updates by clicking Save.

    • Roles: Assign pre-defined roles (Administrator, Compliance Officer, Viewer, etc.) or custom roles with tailored permissions.

    • Access Levels: Specify user permissions (View, Edit, Create, Delete).

    • KYC Configuration: Control access to KYC profiles and related tasks.

    • Location Assignment: Allocate users to specific regions or offices for better data management.

  • Administrators can review and adjust permissions from the User Management menu.

    1. Navigate to User Management:

      • Go to Settings > Users from the main menu.

    2. Locate the User:

      • Select the user you want to assign a role to from the list of active users.

    3. Assign a Role:

      • Click on the user’s profile or select the Edit User option.

      • Use the Role dropdown menu to assign a predefined role, such as (examples):

        • Administrator

        • Compliance Officer

        • AML Analyst

        • Relationship Manager

        • Viewer

        • Other

    4. Customise Role Permissions (Optional):

      • If the predefined roles don’t suit your needs, you can assign Custom Roles with unique permissions:

        • View: Allows the user to see data but prevents edits.

        • Edit: Allows modifications to existing records.

        • Create: Allows the addition of new records.

        • Delete: Allows the permanent removal of records.

    5. Region or Tenant-Specific Permissions:

      • For multi-jurisdictional businesses, assign permissions to specific regions or tenants:

        • For example, restrict a Compliance Officer to access data only for “DIFC” or “Dubai”.

        • Use the dropdown to select applicable tenants or regions.

    6. Save the Role Configuration:

      • Once permissions and regions have been assigned, click Save to finalise changes.

4. Client & Data Management

  • azakaw provides the flexibility to add clients manually or send them KYC/KYB forms via a link. The process adapts to your predefined rules per jurisdiction, region, and customer type.

    How to Add a Client Manually:

    1. Navigate to the KYC Section:

      1. Go to Digital Onboarding > KYC List.

    2. Click on "Add KYC":

      1. Locate the Add KYC button at the top-right corner.

    3. Fill in Client Information:

      1. In the General Information pop-up:

        1. Select Entity Type (e.g., Individual, Company).

        2. Choose the relevant Client or jurisdiction (e.g., Funds ADGM).

        3. Enter client details:

          1. First Name, Middle Name, Last Name

          2. Mobile Number

          3. Email

        4. Select a predefined onboarding Form (e.g., Individual Onboarding).

    4. Save and Continue:

      1. Click Continue to finalise the entry.

    5. Send Credentials (Optional):

      1. Once added, you can send credentials to the client directly from the KYC List by clicking Send Credentials under the Actions column.

     

    Using KYC/KYB Forms:

    • You can send onboarding forms via email links to clients, allowing them to input their information directly.

    • Fields in the forms vary based on:

      • Jurisdiction: Different rules for DIFC, ADGM, etc.

      • Region: Rules specific to offices or regions.

      • Customer Type: Individual, vendor, or company requirements.

  • azakaw makes it easy to manage clients across regions, providing clear segmentation of data by jurisdiction, office location, and customer categories.

    Access Region-Specific Data:

    1. Filter by Client or Region:

      1. Use the Filter by Client dropdown at the top of the KYC List to view clients based on:

        1. Specific regions or jurisdictions (e.g., Funds ADGM, DIFC).

        2. Assigned compliance officers or teams.

    2. View Client Details:

      1. Filtered data includes:

        1. Submission Date

        2. Status (e.g., New, Compliance Review)

        3. Client Assigned To and responsible employee.

    3. Export Data:

      1. Use the Export As button to download client data segmented by region or jurisdiction for audits and reviews.

    Benefits of Data Segmentation:

    • Simplifies compliance tracking across jurisdictions.

    • Ensures visibility of region-specific client onboarding progress.

    • Allows teams to focus on their designated jurisdictions without overlapping data.

  • azakaw enables businesses to classify and manage client portfolios efficiently based on risk categories (Low, Medium, High), ensuring compliance and appropriate monitoring.

    How Risk Categories Work:

    Automated Risk Assignment:

    • During onboarding, clients are automatically assigned a risk category based on predefined criteria:

    • High, Medium, or Low risk levels.

    Manual Risk Overrides:

    • Compliance officers can review and override the risk rating if needed:

    • Navigate to the client’s profile.

    • Select Override Risk Rating and provide a justification.

5. KYC & KYB Onboarding

  • azakaw’s platform simplifies the process of adding and managing clients, whether manually or by sending KYC/KYB forms. The system dynamically adapts to the rules predefined by jurisdiction, region, and customer type, ensuring compliance at every stage.

    Option 1: Manual Addition

    1. Navigate to KYC Requests:

      1. Go to Digital Onboarding > KYC Request.

    2. Click on “Add KYC”:

      1. Choose the client type:

        1. Individual (for persons)

        2. Company (for organisations).

    3. Enter Client Information:

      1. Fill in key fields, such as:

        1. First Name, Last Name

        2. Email Address (used for credentials)

        3. Mobile Number

        4. Password setup (optional for self-registration).

    4. Select Region and Jurisdiction:

      1. Assign the client to a specific jurisdiction or office (e.g., DIFC, ADGM).

    5. Save and Finalise:

      1. Click Save to add the client to the system.

     

    Option 2: Send KYC Forms for Self-Onboarding

    1. Navigate to the KYC Request Section:

      1. Go to Digital Onboarding > KYC Request.

    2. Send Onboarding Credentials:

      1. After adding the client details, click Send Credentials under the Actions column.

      2. Clients will receive an email link to their KYC/KYB onboarding form.

    3. Client Completes the Form:

      1. Clients input their own information, including:

        1. Personal Information: Name, email, phone number.

        2. Documents and Verification: Upload ID cards, passports, or other required documents.

        3. Liveness Test: Verify their identity through live photo comparison.

        4. Employment Info: Job roles and employment verification.

        5. Transaction and Tax Status: Sources of funds and tax-related data.

        6. Risk Appetite and Classification: Self-assessment of risk levels and compliance categories.

    4. Monitor Submission:

      1. The KYC Dashboard reflects completed and pending onboarding forms for review.

     

    Managing Clients Across Multiple Jurisdictions

    • Clients are automatically segmented by jurisdiction, region, and customer type.

    • Use Filters in the KYC List to display clients under specific jurisdictions (e.g., DIFC, ADGM, or Karachi Office).

    • Monitor submission statuses, document uploads, and risk classifications per jurisdiction.

  • How to Add a Business Client Manually

    1. Navigate to KYC Requests:

      1. Go to Digital Onboarding > KYC Request.

    2. Click on “Add KYC”:

      1. Select Legal Entity as the entity type when prompted.

    3. Fill in Company Information:

      1. Enter required details, such as:

        1. Company Name

        2. Email Address

        3. Company Registration Number

        4. Jurisdiction or Region (e.g., DIFC, ADGM).

    4. Select Onboarding Forms:

      1. Choose a predefined business onboarding form based on customer type and jurisdictional requirements.

    5. Save and Finalise:

      1. Click Save to add the company profile.

     

    Using KYB Onboarding Forms for Business Clients

    Instead of manual entry, businesses can self-onboard by completing dynamic forms that include the following sections:

    1. Company Information:

      1. Legal name, registration details, and incorporation date.

    2. Business Information:

      1. Industry type, business activities, and operations overview.

    3. Corporate Documents:

      1. Upload mandatory documents, such as:

        1. Certificate of Incorporation

        2. Memorandum & Articles of Association

        3. Shareholder Agreements

    4. Directors:

      1. List company directors and upload their identification documents.

    5. Beneficial Owners:

      1. Specify individuals with ownership or significant control over the company.

    6. Source of Funds & Wealth:

      1. Provide information on capital sources and operational funding.

    7. Transaction Information:

      1. Outline expected transaction volumes and types.

    8. Financial Experience:

      1. Record financial history, reporting standards, and key financial data.

    9. Tax Status:

      1. Add tax identification numbers and compliance status.

    10. Risk Appetite:

      1. Define the company's risk profile and objectives.

    11. Classification:

      1. Assign the appropriate business category (e.g., SME, Corporate).

    1. Region-Specific Filters:

      1. Use filters to view business clients by region (e.g., DIFC, ADGM, or Karachi Office).

    2. Custom Rules by Jurisdiction:

      1. Fields and requirements dynamically adjust for businesses in different jurisdictions, ensuring compliance with local regulations.

    3. Document Tracking:

      1. Monitor document uploads, expiry dates, and required approvals via the KYC Dashboard.

    4. Automated Risk Assignment:

      1. Business clients are categorised into Low, Medium, or High risk levels based on submitted data and predefined rules.

  • azakaw’s No-Code Form Builder allows you to create fully customisable onboarding forms without any technical expertise.

    Steps to Create a Custom Onboarding Form:

    1. Navigate to the Onboarding Section:

      • Go to Onboardings > Create Onboarding.

    2. Start a New Form:

      • Name the form (e.g., Individual Onboarding or Company Onboarding).

      • You can add:

        • Pages

        • Sections

        • Items/Fields

    3. Add Sections and Fields:

      • Use automatic components to add:

        • Text Fields: For names, addresses, and other data.

        • Date Pickers: For dates of incorporation or birth.

        • Dropdowns: For country selection or business type.

        • File Uploads: For documents like IDs and certificates.

        • Radio Buttons: For Yes/No questions.

        • Custom Sections: For Directors, Beneficial Owners, or Transaction Information.

        • Liveness Test

        • Document Verification

        • Among Others

    4. Set Requirements:

      • Mark fields as Required or Optional.

      • Add placeholders and character limits for clarity.

    5. Save and Preview:

      • Review the form layout before publishing.

    6. Publish:

      • Finalise the form to make it available for use.

  • Once onboarding forms are created, you can assign them directly to customers for self-onboarding.

  • Azakaw ensures secure and accurate onboarding through Document Verification and Liveness Tests.

    Document Verification:

    1. Document Upload:

      • Customers upload identification documents (e.g., Passport, National ID, Incorporation Certificates).

    2. Verification Process:

      • The system automatically checks:

        • Document validity.

        • Matching details (e.g., name, date of birth).

      • Compliance teams can manually review and approve documents as needed.

    3. Track Status:

      • Approved, rejected, or pending document statuses are visible on the KYC Dashboard.

     

    Liveness Test:

    1. Live Photo Capture:

      • Customers perform a liveness test by capturing a real-time photo during onboarding.

    2. Matching Verification:

      • The system compares the live photo with the uploaded document (e.g., Passport or ID).

    3. Results:

      • Results are marked as Passed or Failed.

      • Compliance officers can override results manually if needed.

6. Compliance & Risk Management

  • azakaw allows businesses to define and configure risk scoring models tailored to their specific policies and compliance needs. Organisations can set weightings, scoring criteria, and approval flows for Low, Medium, or High-risk profiles. By aligning the system with internal frameworks, businesses can efficiently prioritise and escalate higher-risk cases for review, ensuring that workflows are both robust and efficient.

  • With azakaw, businesses can customise risk criteria and review dates to align with their compliance policies. Organisations can configure how risk levels (e.g., High, Medium, Low) are determined and set automated review periods for re-assessment. This ensures that client data and risk statuses remain current while reducing manual effort. Businesses can stay compliant with regulatory obligations by automating routine KYC refreshes and timely document reviews.

  • azakaw provides compliance officers with the ability to override system-generated risk ratings when exceptions arise. This feature is critical for scenarios where additional context or human judgement determines that a client’s risk profile needs to be adjusted. Overrides are logged with clear justifications to ensure transparency, accountability, and a full audit trail, making compliance reviews accurate and defensible.

  • azakaw integrates automated sanction screening and negative news checks to help businesses identify potential risks in real time. The system scans global sanctions lists, watchlists, and media sources, flagging suspicious profiles for compliance review. Teams can filter results, review alerts, and mark hits as true matches, partial matches, or false positives. This proactive monitoring helps mitigate risks, maintain compliance, and prevent regulatory penalties.

  • The platform automates KYC refresh cycles and manages document renewals based on pre-defined risk levels and policies. Organisations can schedule automated reminders for expiring documents and high-risk client reviews, ensuring no compliance deadline is missed. With azakaw, businesses can maintain up-to-date client information, reduce manual follow-ups, and meet ongoing regulatory obligations effortlessly.

7. Corportate Compliance Module

  • azakaw simplifies the compliance review process through a structured creator-reviewer-approver flow. Compliance officers can systematically review submitted profiles, validate documentation, and approve or reject client statuses. Profiles can also be locked to prevent unauthorised changes during reviews. This organised workflow ensures accurate decision-making, improves collaboration, and keeps compliance processes efficient and traceable.

  • azakaw’s corporate compliance module enables businesses to create, manage, and monitor internal policies and processes. Teams can set rules, assign tasks, and ensure accountability with a structured creator, reviewer, and approver workflow. Businesses can allocate compliance tasks to team members, track progress in real time, and manage regulatory obligations seamlessly. This module centralises compliance efforts, ensuring policies are acknowledged, reviewed, and approved efficiently across departments and regions.

    1. Policy & Procedure Management

    • Policy Creation & Approval Flows: Allow compliance teams to create, update, and approve internal policies through a structured creator-reviewer-approver process.

    • Version Control & History: Track changes with version histories, ensuring that teams always access the latest approved policies.

     

    2. Task Assignment & Tracking

    • Task Automation: Automatically assign tasks to relevant team members based on compliance triggers (e.g., policy updates or audit requirements).

    • Progress Monitoring: Monitor task completion through real-time dashboards, ensuring timely action on compliance-related tasks.

     

    3. Approval Workflows

    • Multi-Level Approvals: Set up multi-tiered approval chains for policies, procedures, and compliance decisions, ensuring checks and balances at every stage.

    • Role-Specific Workflows: Define specific roles (e.g., Compliance Officer, Manager) to create, review, and approve key processes.

     

    4. Compliance Calendar & Notifications

    • Automated Reminders: Schedule reminders for upcoming compliance deadlines such as document renewals, policy reviews, and audit submissions.

    • Compliance Milestone Tracking: Track key milestones with built-in calendar views, ensuring critical deadlines aren’t missed.

     

    5. Reporting & Audit Logs

    • Comprehensive Reporting: Generate reports on compliance progress, policy approvals, and team activity for audits or internal reviews.

    • Audit Logs & Documentation: Maintain an immutable audit trail of every compliance-related action for accountability and transparency.

     

    6. Governance & Organisational Oversight

    • Organisational Hierarchies: Set up governance structures with clear reporting lines and assigned responsibilities.

    • Compliance Roles & Permissions: Ensure each team member has the right level of access, reducing data exposure risks.

    7. Compliance Issue Management

    • Incident Reporting & Tracking: Log compliance issues, assign resolutions, and track incidents from reporting to closure.

    • Corrective Action Plans: Implement corrective measures, track follow-ups, and document resolutions for audit readiness.

FAQ

    • How Do I Log In and Reset My Password?

    Visit azakaw’s login page and enter your credentials. If you forget your password, click to receive a password reset link via email.

     

    • Can I Access azakaw from Any Device?

    Yes, azakaw is accessible from any internet-enabled device, including desktops, tablets, and smartphones.

     

    • What Browsers Are Supported?

    azakaw supports major browsers such as Google Chrome, Microsoft Edge, Firefox, and Safari.

     

    • How Secure Is My Data on the Platform?

    Data is protected with encryption, secure authentication protocols, and role-based access controls, ensuring high-level security and compliance.

    • Can I Change Portal Colours or Upload a New Logo?

    Yes, azakaw allows businesses to upload their logo and adjust portal colours to match their brand identity.

     

    • How Do I Customise Email Templates?

    Administrators can customise email templates by adding branded headers, footers, and custom content for automated notifications.

     

    • Can We Use Our Custom Domain for Client Access?

    Custom domain support can be enabled to provide a seamless client experience.

     

    • Is There a Limit to How Many Custom Roles We Can Create?

    No, azakaw allows unlimited custom roles, each with specific permissions.

     

    • Can We Customise the Dashboard Layout for Each Role?

    Yes, dashboards can be personalised based on assigned roles, ensuring relevant information is displayed.

    • How Do I Assign Different Permissions for Different Clients?

    Administrators can assign role-specific permissions per client, tenant, or jurisdiction through the User Management settings.

    • What Is the Difference Between View, Edit, Create, and Delete Permissions?

      • View: Read-only access.

      • Edit: Modify existing data.

      • Create: Add new records.

      • Delete: Permanently remove records.

     

    • Can I Restrict User Access to Specific Data or Modules?

    Yes, administrators can limit access by assigning specific roles and custom permissions.

     

    • How Do I Change Permissions After a User Has Been Created?

    Go to , select the user, and update their role or assigned permissions.

     

    • What Happens If a User Forgets Their Role or Permission Settings?

    Administrators can review and adjust permissions from the menu.

    • How Do I Create a Custom Onboarding Form?

    Use the to create onboarding forms by dragging and dropping fields, adding sections, and defining form logic.

     

    • Can Clients Edit Their Information After Submission?

    Clients can edit their profiles before final submission, or compliance officers can request updates if needed.

     

    • How Do I Resend a Customer's Onboarding Credentials?

    Use the option in the to resend login or onboarding links.

     

    • What Happens If a Customer Fails the Liveness Test?

    Compliance officers are notified immediately and can review or request additional verification.

     

    • How Do Digital Signatures Work on the Platform?

    Clients can digitally sign onboarding documents, with full signature verification and audit tracking for compliance.

    • How Does azakaw Help Manage Internal Compliance Processes?

    azakaw enables businesses to create, monitor, and manage internal compliance policies, processes, and approvals using a structured creator-reviewer-approver model. This ensures accountability, accurate reviews, and clear audit trails.

     

    • 2. Can We Customise Risk Scoring Models?

    Yes, azakaw allows full customisation of risk scoring models, including defining risk criteria, scoring weights, and approval flows. This ensures assessments align with unique business policies and regulatory standards.

     

    • 3. How Are Risk Assessments Reviewed?

    Risk assessments are reviewed automatically based on pre-set review periods or manually by compliance officers. Automated reminders ensure timely re-assessments based on changing risk levels or document expirations.

     

    • 4. What Happens If a Client’s Risk Level Changes?

    If a client’s risk profile changes due to updated assessments or new compliance data, the system recalculates the risk score automatically and notifies relevant compliance officers for further review.

     

    • 5. Can We Override a Client’s Risk Rating?

    Compliance officers can manually override system-generated risk ratings with appropriate justifications. This provides flexibility when additional context requires adjustments while maintaining transparency and a full audit trail.

     

    • 6. How Does azakaw Manage Sanction Screening & Negative News Alerts?

    azakaw continuously screens client profiles against global sanctions lists, watchlists, and media sources. Alerts are generated for potential matches, enabling compliance teams to conduct detailed reviews and mark results as matches or false positives.

     

    • 7. How Does the Compliance Review Process Work?

    The platform follows a structured review process where profiles can be approved, rejected, or locked for further review. Tasks are tracked, and decisions are logged, ensuring that each step of the compliance process is fully traceable and secure.

     

    • 8. Can We Manage Compliance Tasks Across Multiple Jurisdictions?

    Yes, azakaw supports jurisdiction-specific compliance configurations. Businesses can manage compliance tasks, approvals, and client portfolios by region, ensuring localised regulatory adherence.

     

    • 9. How Are Document Renewals and KYC Refreshes Managed?

    azakaw automates KYC refresh cycles and document renewals based on risk level and pre-set review periods. Notifications are triggered before document expirations, ensuring timely updates without manual follow-up.

     

    • 10. How Does azakaw Handle Audit Reporting and Regulatory Reviews?

    Comprehensive reporting tools provide real-time insights into compliance status, audit logs, and completed tasks. Reports can be exported for audits or shared with regulatory authorities as needed.

     

    • 11. How Are Compliance Tasks Assigned and Tracked?

    Tasks can be automatically or manually assigned to team members based on compliance policies. Progress is tracked through task management dashboards, ensuring all compliance responsibilities are completed on time.

     

    • 12. What Features Support Corporate Compliance Governance?

    azakaw supports multi-level approval workflows, governance structures, and role-based permissions, ensuring that compliance policies are created, reviewed, and approved at appropriate organisational levels.

8. Notifications & Alerts

With azakaw, businesses can fully customise notifications and alerts to ensure timely updates on compliance tasks and client activities.

  • Setting Up Custom Notifications: Administrators can configure platform-wide notifications based on key compliance events, such as completed onboarding, risk updates, or pending approvals.

  • Managing Client-Specific Alerts: Alerts can be tailored for specific clients, ensuring compliance teams receive updates related to critical client changes, such as sanctions hits or document submissions.

  • Automated Policy Renewal Reminders: The system automatically sends reminders for policy renewals, document expirations, and upcoming compliance reviews, helping businesses stay ahead of deadlines.

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