Commercial Account Opening

Business Onboarding Built for Every Entity, Every Scenario

Handle domestic and international businesses, automated compliance checks, and multi-account opening all in one unified workflow, whether customer-led or banker-guided.

Online

Enables straightforward businesses to self-serve and move quickly
Banker support available when needed without disrupting flow
Eliminates restarts, rekeying, and compliance gaps

In-Branch

Designed for complex entities requiring guided onboarding
Supports white-glove, relationship-driven experiences
Handles sophisticated ownership structures and requirements with ease

Simple to Complex Accounts

Straight through processing for small and medium businesses. Dynamic workflows based on entity complexity, ensuring the right level of due diligence
White glove service for multi-layered commercial structures with complex ownership
Eliminates the need for separate systems, one platform handles the full spectrum from simple to sophisticated wherever your customers are

Automated Fraud, KYB/KYC/BSA and identity

Real-time identity and business verification using trusted data sources
Eliminate false positives
Instant approvals with full compliance maintained

Multi-Account Opening

Open multiple business accounts in a single workflow
Consolidated disclosures and documents eliminate duplications
Real-time funding with lower cost per account and streamlined controls

Domestic and International Customers

Seamless onboarding experience for both domestic & international businesses
Built-in regulatory and compliance support for cross-border entities
Multi language support

AI-Driven faster commercial Onboarding

Vikar’s AI eliminates manual work to accelerate decisions and fund accounts faster.

Document Intelligence

Automated End to End.Business onboarding runs on paperwork. The more complex the entity, the more documents pile up — tax returns, articles of incorporation, trust certificates, and more.

Document Intelligence processes every one of them automatically, in seconds.

Extraction models pull entity structure, ownership, financials, and compliance details directly from source documents, then cross-validate against external records to catch discrepancies before they become problems.

Fraud Detection and Prevention

Advanced AI models analyze documents and identity data in real time to detect tampering, synthetic identities, and suspicious patterns before accounts are opened.

Comprehensive risk scoring provides instant verification results, reducing manual review while maintaining the highest standards of compliance.

ID Scanning and Auto Populating

AI-driven document categorization automatically identifies and organizes account holder documents as they are received.

Advanced extraction models pull data directly from IDs and business documents to prefill applications and provide quality control with a high degree of accuracy.

Military IDs

Driver’s Licenses

State IDs

Passports