KYC Copilot: AI Pre-Submission Document Validator

Inspired by 4 real KYC rejections at Questrade over 5 months. Built to make sure that never happens again.

What It Does

KYC Copilot is an AI-powered validation system that checks documents before submission, catching every issue that would cause a compliance rejection; instantly, instead of waiting 2-4 business days.

Problems It Solves (from real rejection emails)

Rejection	Root Cause	KYC Copilot Prevention
Photo ID - too blurry	Image quality check skipped	OpenCV blur detection pre-upload
Photo ID - DOB mismatch	No cross-validation with profile	Claude Vision OCR + profile comparison
W-8BEN - Section 3 address mismatch	User filled wrong address	AI field extraction + address matching
W-8BEN - Section 9 country missing	Incomplete form	Required field checklist validation
Bank statement - truncated account	Screenshot cut off number	Full document visibility check

Architecture

User Upload
    │
    ▼
┌─────────────────────────────────────────────────────┐
│                   FastAPI Backend                    │
│  ┌──────────────┐    ┌──────────────────────────┐   │
│  │ Image Quality│    │   Claude Vision AI        │   │
│  │   Checker    │───▶│  Document Analyzer        │   │
│  │  (OpenCV)    │    │  - Field extraction       │   │
│  └──────────────┘    │  - Profile cross-check    │   │
│                      │  - Completeness check     │   │
│                      └──────────────────────────-┘   │
│                               │                      │
│                      ┌────────▼────────┐             │
│                      │ ValidationResult│             │
│                      │ + User Checklist│             │
│                      └─────────────────┘             │
└─────────────────────────────────────────────────────┘
    │
    ▼
React Frontend (User sees issues BEFORE submitting)

API Reference

Endpoint	Method	Description
`/validate`	POST	Validate document + user profile
`/validation/{id}`	GET	Retrieve past validation
`/analytics/summary`	GET	Aggregate stats
`/document-types`	GET	List supported doc types
`/health`	GET	Health check

Infrastructure (AWS)

API Gateway → Lambda (or ECS Fargate) → KYC Copilot API
                                       → S3 (document temp storage)
                                       → ElastiCache Redis (results cache)
                                       → CloudWatch (logging/monitoring)

Cost Estimate (AWS, 10K validations/month)

Service	Monthly Cost
ECS Fargate (2 vCPU, 4GB)	~$29
Claude API (claude-opus-4-5, ~1K tokens/call)	~$150
S3 (temp storage, auto-delete 24h)	~$2
ElastiCache Redis (cache.t3.micro)	~$15
API Gateway	~$3.50
CloudWatch	~$5
Total	~$205/month