Documents trickle in over days. Wrong format, expired, illegible scans, missing pages. A single corporate onboarding generates 30 to 50 individual document requests. Applicants are contacted an average of 10 times. 79% of banks say document collection is exactly where clients drop out.

The industry tells you to add more analysts. But 95% of sanctions screening alerts are false positives. Each one costs $30 to $70 to clear. Your analysts spend their days dispositioning name collisions instead of analyzing real risk. TD Bank paid $3.09 billion because their team could not keep up with the document load. The cost of getting this wrong is existential.