Periodic KYC Refresh vs Event-Driven Review: 2026 Best Practice
Calendar-based KYC refresh is a regulator-acceptable minimum, not a best practice. Event-driven is the new standard.
Refreshing every customer on a calendar is operationally easy and analytically useless. Event-driven refresh focuses analyst time where actual risk has changed.
Refresh cadence by segment
- Low risk: every 5 years OR on event
- Medium risk: every 2 years OR on event
- High risk / EDD: every 12 months AND on event
Events that justify refresh
Address change, name change, beneficial ownership change, country-of-residence change, transaction profile drift, adverse media.
Automate the trigger layer
Our ongoing KYC monitoring product watches every customer continuously and surfaces only material change — the trigger for a real refresh.
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