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Risk & Compliance · 🔐 Compliance / KYC Officer

Un cambio di leadership è appena stato pubblicato. I suoi file KYC su questa controparte potrebbero essere obsoleti.

Under AMLA Art. 12 and FINMA guidance, a change in beneficial ownership, board composition, or legal domicile triggers a mandatory KYC refresh. The regulatory clock starts ticking the moment the SHAB publishes — not when your compliance team notices. KYC officers who monitor SHAB events in real time close the refresh loop in days. Those who rely on manual processes discover the gap during an examination.

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The timing advantage

Be the first to know. Be the first to call.

Regulatory risk in KYC is not about whether a counterparty changed — it is about how quickly you documented that change. The SHAB is the authoritative source of record for Swiss legal entity mutations. Monitoring it directly compresses the lag between a triggering event and your compliance action to hours, not weeks.

1
The regulatory clock starts at SHAB publication

FINMA and AMLA do not measure KYC refresh timelines from when you noticed the change — they measure from when the change was publicly available. A SHAB notice is that moment. A 45-day lag between publication and your CDD update is a finding regardless of when your team first became aware.

2
Leadership changes alter the beneficial ownership picture

Una sostituzione di amministratore o una nuova autorità di firma può cambiare chi controlla l'entità e se la sua attuale determinazione UBO è ancora valida. Rilevarlo fin dal primo giorno consente di ri-verificare le liste delle sanzioni prima che vengano elaborate nuove transazioni — non dopo.

3
Capital increases may introduce new beneficial owners

A share capital increase registered in the SHAB can reflect a new investor above the 25% threshold, triggering a full beneficial ownership re-documentation cycle. Identifying this event immediately lets you initiate the refresh process — and record that you did — before the next transaction clears your books.

Your signals

Which SHAB events matter for Compliance / KYC Officers

Three SHAB event types create mandatory or strongly advisable KYC refresh triggers under Swiss AML regulation. Each one opens a compliance window that needs to be acted on quickly.

👤 Leadership Change
HIGH SIGNAL
Una modifica alla direzione, una successione di CEO o un nuovo firmatario autorizzato altera chi controlla la persona giuridica e chi può agire per suo conto. Ai sensi della LRD Art. 12, è tenuta a ri-verificare l'identità e l'autorità di qualsiasi nuova persona di controllo. Questo tipo di evento è il più comune trigger di aggiornamento KYC per le controparti regolamentate in Svizzera.
🏢 Relocation
HIGH SIGNAL
Un cambio di domicilio — in particolare un trasferimento intercantonale — impone l'aggiornamento del suo dossier CDD con il nuovo indirizzo registrato e una rivalutazione del rischio giurisdizionale. Se il trasferimento porta l'entità in un cantone ad alto rischio o più vicino a una parte correlata rischiosa, potrebbe essere necessario modificare la stessa classificazione del rischio.
💰 Capital Increase
HIGH SIGNAL
Un aumento di capitale registrato nel SHAB può riflettere l'ingresso di un nuovo investitore che supera la soglia del 25% di titolarità effettiva. Se l'azionista entrante non è già documentato nel suo fascicolo UBO, ciò attiva un nuovo ciclo di identificazione e screening. Il conteggio inizia dalla pubblicazione nel SHAB, non da quando l'investitore prende contatto.
Real scenario
Leadership Change — Meridian Capital AG in Zurich — Day 1 vs Day 30

Un gestore patrimoniale zurighese cambia il proprio direttore generale. Il SHAB pubblica. Il suo fascicolo KYC su questa controparte è stato aggiornato 14 mesi fa. Ciò che accade dopo dipende interamente da quando lo segnala.

8:04 AM
The SHAB publishes. Leadership Change for Meridian Capital AG, Zurich — director substitution, new authorised signatory registered.
8:15 AM
Your Founders & Movers brief lands. Compliance / KYC Officer score: 94. AI angle attached — UBO re-screening required, AMLA Art. 12 refresh trigger identified.
9:30 AM
You see the leadership change for Meridian Capital AG on your monitored list the morning it publishes, immediately flag it for KYC review, and initiate the refresh process before the regulatory clock starts ticking.
Day 30
A regulatory examination finds you had a 45-day lag between a beneficial ownership change and your KYC update. That's a finding. Maybe a fine.
Why the window closes

Day 1 vs Day 30 — the difference is the deal

Best case
Day 1 — You call today
  • You flag the event and initiate the KYC refresh within hours of SHAB publication — your documentation timestamps prove proactive compliance
  • You re-screen the new director against sanctions lists before any new transactions are processed through the relationship
  • If the new controlling person raises a risk concern, you have time to resolve it before the next client interaction — not during it
  • Your compliance file shows a tight, auditable loop: event date, flag date, refresh date, all within a 14-day window
Worst case
Day 30 — You call next month
  • Your CDD file shows a 45-day gap between the SHAB publication date and your refresh initiation — that gap is the finding
  • Transactions have already been processed under an outdated beneficial ownership determination that may no longer be valid
  • The new director may have appeared on a sanctions list in the intervening weeks — you processed transactions without screening them
  • A regulatory examiner asks why you did not flag a publicly available event. "We didn't see it in time" is not a defensible answer.
Reach out with reason

Not "I help companies like yours." A specific reason to call.

SHAB events give you a real, specific, verifiable reason to reach out to counterparties or prospects. That changes the conversation from a generic vendor pitch to a concrete, timely compliance intelligence exchange — and it changes the reply rate from near zero to genuinely competitive.

❌ Generic cold outreach
Subject: KYC compliance tools and services

Hi,

We provide KYC compliance solutions for financial institutions and regulated entities. If you're looking to improve your counterparty monitoring and due diligence processes, I'd be happy to discuss how we can help.

Best regards
✓ SHAB-triggered with AI angle
Subject: Meridian Capital AG — director change today, KYC review triggered?

Una modifica alla direzione di Meridian Capital AG è stata pubblicata nel SHAB questa mattina. Se questa entità è nel suo portafoglio di controparti, si tratta di un trigger di aggiornamento KYC ai sensi della LRD Art. 12. La nostra piattaforma segnala questi eventi in tempo reale e precompila il modulo di aggiornamento. Vale la pena di una demo?
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Founders & Movers has 27 pre-configured roles. These work similarly to Compliance / KYC Officer — they all turn SHAB signals into timely, actionable intelligence for risk and operations professionals.

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