Martín Cativa
Chief Technology Officer, T23 Group
T23 Group is an independent management consulting firm specializing in technology-enabled transformation for financial institutions. With offices across the Caribbean, Central America, and Florida, the company supports clients in the US, Latin America, and Europe.
T23 provides hands-on advisory and implementation services across the full transformation lifecycle, from strategy through go-live and post-launch support. Its core areas include core banking implementation, digital transformation, compliance and risk advisory, PMO governance, and cloud and API strategy and development, helping banks, credit unions, and regulated fintechs modernize and scale their operations.
The Challenge
As T23 supported financial institutions across multiple regions, it needed to help clients design onboarding processes that could adapt to different regulatory requirements and risk profiles. Many of the environments it worked with relied on legacy verification setups that were largely manual and difficult to adjust for different use cases.
This created several challenges when implementing modern, risk-based onboarding workflows. Processes lacked flexibility, with limited automation or conditional logic to tailor verification steps based on jurisdiction or customer risk. In addition, the absence of a unified platform for both individual and business verification meant teams often had to manage multiple tools and reconcile data across systems.
These limitations had a direct impact on efficiency and customer experience. Corporate onboarding could take 2–3 business days, largely due to manual document review and UBO tracing. AML screening workflows also generated a high number of false positives, around 35–40%, which increased the workload for compliance teams. At the same time, digital onboarding conversion rates remained below 55%, affecting client acquisition. Fragmented vendor integrations further added complexity, often extending deployment timelines for new implementations.
For T23, the challenge was to enable its clients to move toward more flexible, automated onboarding while maintaining compliance across multiple jurisdictions.
The Solution
T23 selected Sumsub for its combination of flexibility, broad compliance coverage, and ease of integration across multi-jurisdictional client environments.
The team implemented both KYB (Know Your Business) and KYC (Know Your Customer), giving clients a more unified way to onboard both businesses and individuals. For corporate onboarding in particular, Sumsub brought together registry checks, UBO verification, AML screening, document review, ownership structure mapping, and custom questionnaires within a single platform, reducing the need for disconnected tools and manual reconciliation.
Integration was handled through Sumsub’s API and SDK, which allowed T23 to embed verification directly into client onboarding environments. Verification flows were then configured in Sumsub’s no-code dashboard, allowing compliance teams to apply country-specific rules and conditional logic without relying on engineering teams for every change.
This gave T23 a more practical way to build risk-based onboarding journeys that could be adapted to different jurisdictions while remaining consistent, scalable, and easier to maintain.
The Results
Since implementing Sumsub, T23 has helped clients achieve clear improvements in speed, efficiency, and compliance operations.
The difference was especially visible in day-to-day onboarding. Before Sumsub, many clients relied on static, manual workflows, disconnected KYC and KYB systems, and spreadsheet-based AML checks that were slow and difficult to scale. After implementation, those same institutions were able to run automated, configurable end-to-end verification flows that combine KYC and KYB in a single experience and generate a clearer audit trail for regulators, all without replacing their core systems.
Martín Cativa
Chief Technology Officer, T23 Group
Integrating Sumsub into our delivery framework was a game-changer. What used to take our clients days now takes seconds, and the API flexibility meant we were live in a fraction of the time we expected. We’ve also seen AML false positives drop by around 40% and compliance operating costs decrease by 25–30%, which has made Sumsub a cornerstone of every transformation we deliver.
Onboarding cycle times dropped by approximately 70%, while average automated verification time came in at under 60 seconds, replacing manual processes that previously took days. False positives in AML screening also fell by 40%, reducing noise for compliance teams and allowing them to focus more on genuine risk. At the same time, compliance operating costs decreased by 25–30%.
For T23, this meant not only faster and more efficient onboarding for clients but also a more scalable model for delivering transformation across different markets and regulatory environments.