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Getting started with Digital Member Onboarding (KYC/CIP)

What Digital Member Onboarding (KYC/CIP) is for, who uses it, what you need before you start, and your first steps.

Applies to Digital Member Onboarding (KYC/CIP) as it works today. Moraph updates the platform continuously, and this page is reviewed when it changes.

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On this page
  1. What it is for
  2. Who uses it
  3. Before you start
  4. Steps to get started
  5. Where to go next

Digital Member Onboarding lets new members and customers apply for an account online or on a phone, scanning their identity document and taking a selfie for a liveness check. It collects the information your Customer Identification Program requires, runs verification, sanctions screening and due-diligence questions, and routes anything that does not clear to your staff. Every application keeps its evidence and decision, ready for your BSA officer, auditors and examiners.

What it is for

Online account opening often grows from a form bolted onto the core system, with identity checks, sanctions screening and due-diligence questions handled by different vendors and reconciled by hand. Applicants abandon long forms, staff work exceptions from email and spreadsheets, and the evidence of how each customer was identified is split across systems. When examiners test the Customer Identification Program, assembling what was checked, what failed and who decided takes far longer than it should.

  • Identity, sanctions and due-diligence checks run in separate tools
  • Applicants abandon long forms and repeated requests for documents
  • Exceptions are worked by email without a consistent record
  • CIP evidence is hard to assemble for audits and examinations

Who uses it

  • Credit unions and community banks opening accounts online
  • Deposit operations and member services teams who work application exceptions
  • BSA officers responsible for the Customer Identification Program
  • Digital banking and product teams who own the account-opening experience
  • Internal audit and examiners testing CIP and due diligence

Before you start

  • Your organization licenses Digital Member Onboarding (KYC/CIP) from Moraph.
  • A Moraph client account in that organization, signed in.
  • Access to Digital Member Onboarding (KYC/CIP) in Moraph Apps, given by an administrator in the Moraph Portal under People and access.
  • For setup: the product administrator role.

Steps to get started

  1. Sign in at app.moraph.com with your Moraph account.

  2. Open Digital Member Onboarding (KYC/CIP) from the launcher. The first time anyone opens it, its workspace is created from the default described in Workspace reference.

  3. Check your role: what you can see and do depends on it. See Roles and permissions.

  4. Product administrators: work through Set up Digital Member Onboarding (KYC/CIP) before your team starts.

  5. Everyone else: start with Everyday tasks.

Where to go next

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