Compliance and KYC without barriers for the family

We help wealthy individuals and their families pass scrutiny wherever compliance stands in the way: opening and keeping accounts abroad, obtaining a visa or residence permit, buying property, starting work with new partners and staying clear of sanctions.

About

Scrutiny is not limited to banks. A consulate, a property seller, a new partner or an investor all look at the same things: documents, records in international databases (World-Check, LexisNexis, Dow Jones) and the digital profile — what Google, Yandex, Wikipedia and AI search engines such as ChatGPT show about a person.

Databases and search often show a role from twenty years ago, facts taken out of context or unverified publications — leaving the reviewer nothing to rely on to say “yes”. We work on all three fronts so that compliance has its answers before it asks the questions. We do not circumvent requirements — we help meet them.

When we help

Accounts at foreign banks Opening a new account, keeping an existing one, passing a periodic review without a freeze.
Visas and residence permits Scrutiny when applying for a visa, residence permit or citizenship.
Property and assets Transactions abroad where the bank, seller or lawyer checks the buyer and the source of funds.
Partner trust Due diligence by new partners, investors and counterparties.
Sanctions risks Reducing the risk of restrictions caused by outdated or incorrect information about a person.

What we take on

Source of funds and source of wealth We build the source-of-funds and source-of-wealth narrative and back it with the documents the reviewer expects to see.
KYC pack We gather, translate and certify documents, and prepare questionnaires and explanatory letters.
Digital profile Professional biographies with answers for compliance — what the person does today and where the capital comes from — on the first pages of Google and Yandex and in AI search answers. Unwanted and outdated links are pushed off the first pages.
Wikipedia We bring the article in line with the current biography or create a new one under Wikipedia’s rules.
International databases World-Check, LexisNexis, Dow Jones: we remove outdated statuses, update connections, and add the biography and a position on the source of wealth and sanctions — based on sources and documents.
Support through the review Account opening, visa and residence applications, property transactions: we prepare for the review and respond to requests — one-off and at periodic reviews.
Working with specialists Where needed, we bring in lawyers and tax advisers in the relevant country and coordinate their work.

How it works

Audit We look at the person through compliance’s eyes: documents, database records, search results and AI answers. We find the reasons for refusals and the risks.
Biography and position We formulate the professional biography and the answers for compliance: the source of wealth and current activity.
Changes We publish biographies, correct Wikipedia, update database records and gather documents.
Securing and ongoing support We secure the result in search and keep the profile and documents up to date for future reviews.

Compliance looks for grounds to approve. Our job is to make sure it finds them.

Case

01 / 01

Compliance for a former top executive of a major Russian bank

Task

For many years the client held a senior executive position at a major Russian bank, but after 2022 he left the banking sector and turned to his own projects.
When opening accounts at European banks, he was unable to pass compliance.
The task was to help remove the reasons for the compliance refusals and to correct the information in the relevant international databases.

What was done

FRAM GROUP audited the client’s digital profile: search results and open sources, international databases and mentions in business circles.
We then prepared the professional biography that was needed, with answers for compliance (what he does today, the origin of his capital and so on).
At the final stage, information online was supplemented and corrected, including on Wikipedia, along with search results and international databases (World-Check, Dow Jones, LexisNexis and others).

Result

The client received an updated digital profile with his current biography — the one compliance was interested in.
In his subsequent applications to open accounts at European banks, compliance raised no further questions.

Year

2024

What this shows

Even if a person changed their professional role long ago, their digital profile may still be showing their past today.
For compliance, it is not only documents that matter, but also which version of a person’s biography search engines, open sources and international databases see.

Formats of engagement

This service is part of FRAM GROUP’s concierge: bring a one-off task or make it part of the family’s ongoing support.

Formats and pricing

What we steward

IStrategy

— preserves meaning

IILegacy

— sets the direction

IIISuccession

— secures the transition

IVLifestyle

— shapes the texture of life