FullCircl

Customer Lifecycle Intelligence platform for compliance, KYC, KYB, and AML in financial services

Compliance & Regulatory Established Acquired

Overview

FullCircl is a compliance technology platform that provides Customer Lifecycle Intelligence (CLI) solutions for financially regulated businesses, including insurers and insurance brokers. The platform automates regulatory compliance workflows across KYC, KYB, AML, and identity verification for financial services firms. FullCircl was formed in March 2022 through the merger of DueDil and Artesian Solutions, combining client lifecycle management capabilities built over more than a decade.

The company offers a SaaS platform with REST and GraphQL API access, enabling insurers and brokers to automate onboarding and ongoing monitoring of commercial customers. The platform connects to over 40 data services -- credit reference agencies, electoral rolls, and telco data -- covering 365 million entities across 246 countries. It processes approximately 300 million onboarding and monitoring transactions monthly, with 2.3 billion annual API calls.

FullCircl serves over 600 customers globally, including more than 300 independent insurance businesses and nine of the top 10 insurance brokers. In October 2024, nCino acquired FullCircl for USD 135M and the business now operates as nCino Identity Solutions, extending the platform to financial institutions across the UK and Europe.

Products & Services

Customer Lifecycle Intelligence Platform

A single SaaS orchestration platform that automates the full customer journey from acquisition and onboarding through ongoing regulatory monitoring. Delivered as platform, API, and suite of applications.

Key Features

Real-time KYC checks with access to 40+ data services including credit reference agencies, electoral data, and telco data
KYB capabilities with perpetual monitoring for ongoing compliance
AML screening against global Politically Exposed Persons (PEPs), sanctions, adverse media, and watchlists
Global identity document verification supporting 6,000+ documents from 2,700+ trusted institutions
Waterfall and failover functionality across data providers for high completion rates

Target Users: Insurance brokers, carriers, MGAs, banks, and fintechs subject to AML/KYC regulation

SmartAcquire

Business intelligence tool for customer acquisition and commercial growth, providing data-driven insight on prospective customers.

Key Features

Commercial entity data for prospect identification and targeting
Integration with Salesforce CRM via plug-and-play connector
Access to 365 million entity records across 246 countries

Target Users: Insurance brokers and financial services sales teams

Affordability Checks

Financial capability assessment for risk management, enabling regulated firms to assess client affordability as part of onboarding.

Key Features

Financial data integration for affordability assessment
Supports consumer duty compliance requirements

Target Users: Insurers and lenders with consumer affordability obligations

At a Glance

Headquarters: Winnersh, UK
Employees: 51-200
Funding: Acquired

Category & Focus

Category: Compliance & Regulatory
Subcategories: KYC/KYB Automation AML Screening Identity Verification Customer Onboarding
Insurance Verticals: P&C Commercial Specialty/E&S
Target Customers: Brokers, Carriers, MGAs/MGUs