01
ProblemKYC teams are usually solid at onboarding and messy after that. Periodic refreshes, trigger-based re-verifications, stale beneficial-owner records, and cross-line inconsistencies still sit in spreadsheets, email, and ticket queues.
RefreshClock: KYC periodic-review rescue board for banks and fintech sponsor programs
Idea Overview
TLDR
02
SolutionRefreshClock is a read-only operating board that ranks which refresh cases are truly due, what is blocking them, and which ones can be cleared with existing data before staff starts another manual chase through portals and folders.
03
Market opportunityAML and KYC software budgets are already moving. WorkFusion says 69% of banks plan KYC automation spend, while MarketsandMarkets sizes AML software at $4.13B in 2025 growing to $9.38B by 2030, leaving room for a narrow workflow layer.