Framework

One framework, four disciplines, one refresh rule.


Varqus applies KYB, KYS, KYC, and KYA as a single governance system. The logic is directional and operational: we classify counterparties from bank behaviour, verify identity and relationship purpose, then keep checks current with a 12-month refresh.


Refresh discipline: every completed check expires after 12 months.
Directional logic: incoming from unknown company → KYB, outgoing to unknown company → KYS.




What each discipline means in Varqus

Discipline Applies to Trigger examples Outcome
KYB Customer companies of the client company. Incoming payment from an unknown company. Unknown company name paired with an IBAN. Cross-border customer onboarding. Customer company is verified, scored, registered, and becomes eligible for ongoing monitoring.
KYS Supplier companies of the client company. Outgoing payment to an unknown company. New vendor appears in bank flows. Vendor IBAN differs from the one on file. Supplier company is verified, scored, registered, and becomes eligible for ongoing monitoring.
KYC Individuals linked to companies: UBO, shareholders, CEO, directors, signatories. Payment to an individual outside HR or payroll. New governance individual in a relationship. Ownership change signals. Individual is verified and linked to the relationship rationale and risk posture.
KYA Applicants and staff, in HR context only. Payroll flows, HR onboarding, employment risk controls. HR-related beneficiary is a person. HR case record supports employment governance without turning Varqus into private investigation.

Note: Incoming payments from private individuals are not processed as KYB. If an individual appears as a beneficiary outside HR, Varqus treats this as a KYC question and clarifies the relationship purpose.





Core controls that make the framework operational

IBAN and name matching

IBAN must always be present. If a counterparty exists in the registry, the IBAN and the registered name must match. Any mismatch is a flag.

High-value transfer flag

Any single transaction above 2000 EUR is flagged for review, regardless of counterparty status.

Concentration and dependency

For each calendar year from 01 January to 31 December, Varqus monitors exposure concentration and recommends EDD when thresholds are hit.

EDD recommendation rule (yearly)

  • For each counterparty, Varqus aggregates yearly in and out flows.
  • If the yearly outflow to a specific supplier exceeds 20 percent of total outflow, recommends EDD.
  • If the yearly inflow from a specific customer exceeds 20 percent of total inflow, recommends EDD.

Expiry rule

  • Every completed KYB, KYS, KYC, or KYA case expires after 12 months.
  • Transactions continue to accrue to the relationship total, but the verification status becomes refresh due.
  • After refresh, the new completion date resets the 12-month horizon.




Boundaries

Varqus is strictly B2B. We do not conduct private investigations, surveillance, or services designed to target individuals or companies. We work only on lawful business relationship risk using client-provided financial data and permitted intelligence sources.

Purpose limitation
Relationship risk governance only.
No private investigations
No personal matters, no public shaming, no targeting.
Auditability
Structured cases and flags support defensible decisions.




Contact

Request an engagement and we will assess fit, scope, and operating cadence across real-time, weekly, or monthly monitoring.

Real-time

Bank connectivity via API. Continuous exception detection and relationship accrual.

Weekly

Operational cadence aligned with accounting and compliance routines.

Monthly

Periodic review with concentration analysis and refresh planning.