For individuals, customer due diligence starts with an onboarding form the client completes themselves - personal details, regulatory declarations and identity verification. This article covers how staff start, resend, track and cancel these sessions, plus how to record that CDD isn't required for a contact, or that onboarding is already complete. AML must be enabled for your organisation; if you don't see the options below, contact support to turn it on for your firm.
Go to Contacts and open the person you need to verify.
Open their AML tab. You'll see an AML Sessions table (or No AML sessions yet if this is their first).
Click Start AML onboarding.
In the Send AML Onboarding dialog, click Send Onboarding Link.
Nagaris emails the onboarding link to the contact and shows you the same link so you can also share it manually - for example over SMS or in your own email. The dialog notes: This link expires in 14 days.
A new AML session appears in the table with a Reference, Status, Risk and Created date, and the profile moves to Pending Onboarding. Click the reference to open the full AML profile.
On the AML profile's Overview, the Client Onboarding card shows what was sent, when, and to which email address (Sent to, Sent on, Onboarding Sent):
Click Re-Send to email the link again. Resending is only available while the form hasn't been submitted - once the onboarding is submitted (or revoked) the button disappears.
Open the session actions menu (the three-dot button) and choose Copy Onboarding Link to copy the link to your clipboard.
Back on the contact's AML tab, Continue jumps to the open session, Resend onboarding re-sends it, and New session starts a fresh AML profile. Nagaris asks you to confirm first: Start a new AML session? The current open session will stay on file for audit purposes.
From the Contacts list you can select multiple contacts and click Run AML (visible to members with AML access). The confirmation explains that contacts already mid-assessment or without a primary email are skipped. After sending you'll see a summary like AML onboarding — 5 sent, 2 skipped.
Once the client submits the form and completes identity verification, the profile advances automatically - see the articles on what your client sees and on reviewing verification results. The Client Onboarding card then shows a snapshot of what the client declared (name, date of birth, occupation, address, PEP declaration, source of funds, foreign dealings, acting on behalf) along with a Declared on date. If a declared detail no longer matches the current contact record, a small orange warning icon appears next to it with the current value - handy for spotting details that changed after onboarding.
Staff can also drive identity verification directly from the Identity Verification card: the actions menu offers Start Verification (or Re-Verify) and Copy Verification Link, so you can hand a client the verification link without re-running the whole form.
A client sometimes never gets around to submitting the onboarding form even though they've already effectively agreed to it elsewhere, for example they've already approved your firm as their tax agent. Rather than leave that profile waiting indefinitely on Pending Onboarding, you can record the declaration as completed without a submitted form:
On the profile's Overview, open the session actions menu (the three-dot button) and choose Mark as Completed.
Confirm the action.
Only use this when you're satisfied the client's declaration is genuinely covered some other way. If the client still needs to go through onboarding, use Re-Send or New session instead. If the contact never needed a declaration at all, for example they're below the AML/CTF threshold, use Mark as Not Required below rather than Mark as Completed.
Not every contact needs full customer due diligence - for example, someone below the AML/CTF threshold or who isn't receiving a designated service. Instead of leaving them stuck at Not Started, you can record a deliberate decision that CDD isn't required:
On the contact's AML - Know Your Customer summary card (or, for an existing session, the profile's Overview actions menu), click Mark as not required (or Mark as Not Required from the menu).
Enter a Reason - this is required, for example "Below the AML/CTF threshold - no designated service provided."
If the contact has an in-progress AML session, Nagaris warns you first: marking as not required closes that session and revokes its onboarding link, so the contact will no longer be able to open or submit it.
Click Save to confirm.
The profile's CDD status becomes Not Required. The reason, along with who recorded it and when, is shown on the summary card and on the profile's Overview. It's not a dead end - if circumstances change, click Start AML onboarding instead on the summary card (or start a new session from the profile) to begin the full CDD process at any time.
If a session was started in error or the engagement doesn't proceed:
On the profile's Overview, open the session actions menu and choose Cancel Session.
The Cancel AML Session dialog warns: This will cancel the session and revoke any pending onboarding links. This action cannot be undone. Add an optional reason.
Click Cancel Session to confirm (or Keep Session to back out).
The profile's status changes to Cancelled, the cancellation date and reason are shown on the Overview, and the session stays on file for audit purposes.
The onboarding email needs a primary email address on the contact - bulk sends skip contacts without one.
Before any onboarding data arrives, the Client Onboarding card shows No onboarding data received yet.
If a client reports their link doesn't work, it has probably expired (14 days) or been revoked by a cancellation or a Mark as Not Required decision - use Re-Send or start a New session.
The Cancel Session, Mark as Completed and Mark as Not Required actions are only offered while a session is still in progress. Completed, cancelled, expired and not-required sessions are terminal and hide these actions.
