DataFab / Utilities / Due diligence
Governed utility · counterparty, transaction and onboarding diligence
Diligence on the party, not the paperwork.
Counterparty, transaction and onboarding due diligence over the resolved graph. Because the party is already one entity across every system you run, diligence stops being a document-collection exercise and becomes a question the estate can answer — with the ownership chain walked, the network surfaced and every finding traced to its source.
The brief
“A folder of documents, a screenshot of a registry, a spreadsheet of shareholders, and a memo written from all three — assembled by a person, stale on the day it is filed, and impossible to reproduce a year later.”
The artefact is a memo; the evidence is a folder; and the connection between the two lives in the head of whoever wrote it. When the question comes back — and it always comes back — the work is redone rather than reopened.
Over a resolved graph the shape changes. The party is one entity, the ownership chain is a traversal, the screening runs on the real party rather than a string, and the report is a view over evidence that was captured as the work happened. Reopening it later is a query, not a project.
Who you are actually dealing with
Ownership, control and ultimate beneficial owner over the resolved graph, with every hop carrying its source, its date and its confidence.
Patterns and anomalies
The transaction reviewed with the graph in scope — counterparty risk, ownership and history all inside the same evaluation rather than three separate checks.
Know your customer and your business
Identity, existence and structure verified against approved sources, packaged so the file is complete on the day it is opened.
The pipeline
Seven steps. Depth set by risk.
Standard and enhanced are not two processes. They are one pipeline run to different depths, so the record is identical in kind whichever path a party takes — and a step not run is recorded as a step not run rather than left blank.
Ownership & control
Walk it until it stops — then say where it stopped.
Traversal runs until it reaches natural persons or cannot proceed. Where it cannot, the halt is reported with the level reached, the percentage unresolved and the reason — a finding somebody has to disposition, not a blank field nobody owns.
Control, typed
Shareholding, directorship, signatory rights, trusteeship and effective control carried as distinct relationship types rather than collapsed into one percentage.
Registries and your own records
Public registries, approved data providers and the records already inside your estate resolved into the same chain, so an internal fact is not invisible to an external check.
Links written nowhere
Shared owners, shared addresses and shared counterparties across otherwise unrelated parties — surfaced as derived edges that carry the rule that produced them.
Who controlled it then
Every edge carries a validity window, so the structure as it stood at the date of the transaction is a question the graph answers.
Network & relationships
The hidden hierarchy, made visible.
A party is rarely risky on its own. It is risky because of what sits one and two hops away — a director in common, an address in common, a counterparty already declined elsewhere in the book. Over a resolved graph that neighbourhood is a traversal rather than an investigation.
Link analysis
Who is connected to whom, and how, ranked by edge strength and recency.
Shared attributes
Addresses, officers, identifiers and bank details recurring across parties that look unrelated.
Prior decisions
What the firm already decided about this party, this owner or this network — and why.
Disambiguation
Entities that share a name held apart by biography, geography, time and source.
The report
Sourced and defensible.
The report is a view over evidence captured as the work happened, not a document assembled afterwards from a folder. Every statement links to the record it rests on; every unresolved point is stated as unresolved.
Continuous diligence
The decision reopens itself.
Diligence performed once at onboarding is a snapshot of a world that moves. Here the party stays under watch: a registry filing, a sanctions listing, an ownership transfer or a change in behaviour is matched against what you already know and, only where it matters, raises the file again — at the risk tier that change deserves.
Next step
Bring the counterparty nobody can cleanly resolve.
The fastest proof is the party that appears differently in four systems, with an ownership chain that stops at the second offshore layer.