Enforcio – KYC & AML Compliance SaaS Platform

A compliance SaaS platform that turns a manual KYC process into a structured digital workflow - from smart assessment forms and automated risk scoring to audit-ready documentation and Stripe-powered subscriptions.

How It Started

The project began in early 2023 when Enforcio’s founder approached us with a clear vision: build a web application that would let regulated professionals – lawyers, accountants, auditors, estate agents – run Know Your Customer (KYC) checks on their clients digitally, replacing the manual processes most firms were still stuck with.

The founder had already mapped out the core logic. The risk assessment algorithm existed as a spreadsheet – a working model that scored customer responses and flagged risk levels. What was missing was a product around it: a way for professionals to send assessment forms to clients, collect responses, run the algorithm automatically, and make approve/reject decisions with a proper audit trail.

We scoped a focused MVP covering the essential KYC workflow: a professional creates a customer, sends them a link to a self-service form, the system runs a preliminary risk assessment based on their responses, and the professional reviews and accepts or rejects the result. Administration features for managing the risk algorithm, Stripe-powered subscriptions, and staff account management were planned for the initial release alongside the core flow.

The goal was clear – get the core product to market fast, prove demand, and iterate from there.

The Challenge

KYC compliance is a legal requirement for professional services firms, but for most the process was still painfully manual:

  • Firms were emailing questionnaires to clients, then manually chasing responses and re-keying data – slow, error-prone, and impossible to scale.
  • Risk assessment was inconsistent, with scoring logic trapped in a spreadsheet that only one person fully understood.
  • Audit readiness was a constant worry; without a structured system, pulling together compliance records for regulators meant hours of chasing files across inboxes and shared drives.
  • Growing firms needed role-based access and the ability to manage multiple staff members, but existing compliance tools were either too basic or priced for enterprise.

Enforcio’s founder needed a technical partner who could turn a proven spreadsheet algorithm into a production SaaS product – from blank page to paying customers.

What We Built

We designed and developed Enforcio as a compliance SaaS platform that covers the full KYC lifecycle – from customer intake through risk evaluation to audit-ready documentation.

Smart Assessment Forms

At the heart of Enforcio is a dynamic assessment engine. Professionals configure multi-step questionnaires with conditional branching – the form adapts in real time based on how the customer answers. Customers receive a unique link, complete the form at their own pace, and upload required documents. No login required, no friction.

Risk Scoring & Decision Management

This is where the founder’s original spreadsheet logic came to life as a proper product feature. Once a customer submits their assessment, the platform calculates a risk score based on configurable rules. Professionals can define risk appetites per customer type and assign weightings to individual answers; decisions (approve, reject, escalate) are recorded with documented rationale, creating a clear audit trail. Results can be exported as PDFs for record-keeping.

Dashboard & Analytics

A real-time dashboard gives compliance teams visibility into KYC initiation and completion rates, risk distribution across the customer portfolio, and trends over time. Managers can filter by date range and drill into individual assessments.

Billing & Subscription Management

Stripe integration handles the full subscription lifecycle – trial sign-up, plan selection, card management, and billing – all within the app. No redirects to third-party portals.

Multi-Tenant Architecture

The platform supports multiple organisations from day one, with strict data isolation between tenants. Each organisation manages its own staff, customers, and compliance configuration independently.

How We Worked

We’ve worked directly with Enforcio’s founder throughout the engagement, with our lead developer as the primary coordination point. Day-to-day communication runs through Slack, Jira, and email; having direct access to the decision-maker keeps iteration cycles short and priorities clear.

The project started with a design and discovery phase to translate the existing spreadsheet model and regulatory requirements into a product roadmap. From there, we moved into iterative sprints, delivering the MVP first and then layering on features like analytics, subscription billing, and staff management based on early user feedback.

Technology

Enforcio is a React single-page application built with TypeScript and Vite, using Material-UI for the design system. Zustand manages client state and TanStack React Query handles server data with caching and persistence. Forms are powered by React Hook Form with Zod validation; Chart.js drives the analytics dashboards and Stripe handles billing. API clients are auto-generated from the backend’s OpenAPI spec for type safety; Sentry provides error monitoring across environments.

Results

What started as a spreadsheet algorithm is now a production SaaS platform serving compliance teams across multiple organisations:

  • Customer onboarding time has been dramatically reduced – what used to involve days of emailed forms and manual follow-ups now happens through a single, self-service link.
  • Risk assessment is consistent and documented, with the founder’s original scoring logic now embedded in a configurable system that any team member can use.
  • Audit readiness is built in – every decision, every response, and every document is tracked, exportable, and regulator-ready.
  • The multi-tenant architecture means Enforcio can scale to new clients without custom deployments or data separation concerns.