Automated KYB and AMLD 7/8 guidelines: trends and solutions for B2B compliance

Automated KYB: a major change for compliance

The evolution of the directives AMLD 7 and AMLD 8 reinforces the audit obligations of businesses and beneficial owners. Regulators now require:

• A complete and reliable identification of B2B partners
• A continuous and dynamic verification of structural changes
• Traceability and monitoring of money laundering and fraud risks

Faced with these requirements, the automation of KYB (Know Your Business) is becoming a necessity for fintechs, banks, marketplaces and other B2B players.

Why automate KYB?

1. Reduced time and costs

Automation makes it possible to instantly validate:

• Official documents (Kbis, statutes, executive identity documents)
• The beneficial owners (UBO)
• Financial and geopolitical information

The result: B2B onboarding that is much faster, reliable and less expensive, compared to traditional manual processes.

2. Reliability and error reduction

• AI and OCR automatically analyze documents and detect inconsistencies or anomalies
• Human error is limited, reducing the risk of non-compliance

3. Ongoing monitoring and reporting

• Changes in the structure of B2B partners are detected in real time
• AML/KYB alerts help anticipate risks and generate detailed reports for regulators

Impact of AMLD 7 and 8 guidelines on KYB

The new guidelines introduce several key requirements:

1. Expansion of beneficial ownership verification
   • Businesses need to identify all shareholders and stakeholders comprehensively
   • Platforms should be able to verify this information even for international partners.
2. Strengthened cross-border verification
   • Obligation to cross-check with official registers and international databases
   • Traceability and transparency for all partners, regardless of their country
3. Dynamic due diligence
   • Verification not punctual, but continuous
   • Monitoring of changes in structure, management and suspicious transactions
4. Automated documentation and auditing
   • Full KYB and KYC check history
   • Reports ready for internal or regulatory audits

KYB automation solutions and best practices

1. Centralized and secure platforms
   • Unifying all KYB/KYC information in a single system
   • Strict access control and secure archiving
2. AI and OCR integration
   • Automatic recognition of official documents and identification of anomalies
   • Predictive analysis of financial, geopolitical and regulatory risks
3. Regulatory monitoring and dynamic updates
   • Automatic adaptation to new AMLD requirements and local directives
   • Update compliance criteria in real time
4. Ongoing monitoring and proactive alerts
   • Immediate notifications in case of structure changes or suspicious activity
   • Regular reporting for internal and external audits

Benefits for B2B businesses

• Guaranteed compliance : compliance with AMLD 7 and 8, KYB and KYC directives
• Safety and risk reduction : fraud detected before operational impact
• Optimizing costs and saving time : automated and centralized processes
• Transparency for partners : strengthens trust and credibility

Conclusion

KYB automation is becoming essential in the face of new AMLD 7 and AMLD 8 requirements. Businesses need to incorporate smart solutions to:

• Verify their B2B partners effectively
• Monitor risks on an ongoing basis
• Generate reports that comply with regulators

Platforms like Dataleon allow you to combine automation, security, and compliance, simplifying onboarding and offering a competitive advantage in a constantly changing regulatory environment.

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