> ## Documentation Index
> Fetch the complete documentation index at: https://docs.synctera.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Consumer Onboarding

> This document outlines the requirements for a typical consumer DDA program.

## Consumer onboarding

### Step 1: Onboard a Person

In the Synctera platform, a person represents a natural person, including account holders, beneficial owners of a business and authorized signers. A person can hold multiple of these roles at the same time. Please see details in Synctera [dev docs](/docs/create-a-personal-customer).

### Step 2: Record Disclosure Acceptance

An important requirement when onboarding new customers is telling them about laws and regulations that affect them: that is, you must disclose that regulatory information. Please see details in Synctera [dev docs](/docs/record-disclosure-acceptance).

<Frame caption="Diagram: Disclosures">
  <img src="https://mintcdn.com/synctera/pDSOOmsGKwjC8uU7/images/docs/image-13.png?fit=max&auto=format&n=pDSOOmsGKwjC8uU7&q=85&s=41c1525f84e07b3dfb4bd8552ad28933" width="5250" height="2775" data-path="images/docs/image-13.png" />
</Frame>

### Step 3: KYC the Customer

US banking regulations require banks and other financial institutions to collect and verify information about the customers they do business with. These regulations require the establishment of a Customer Identification Program (CIP), commonly referred to as know your customer (KYC). These programs require:

* Data Collection: name, date of birth, address, and government issued ID.
* Disclosures: notifying customers about the collection and retention of data.
* Verification: verifying that the information collected is current, valid, and up-to-date.
* On-going monitoring: verifying customer is not on a known watchlist.

Please see details in Synctera [dev docs](/docs/kyc-kyb-verification).

<Note>
  Requirements

  Document Verification (DocV) is required for launch when customers go into KYC review status. Please see details in Synctera [dev docs](/docs/document-verification).
</Note>

<Frame caption="Diagram: KYC 1.1 (High-level Overview)">
  <img src="https://mintcdn.com/synctera/a5swk5kvjfrfeuQI/images/docs/image-14.png?fit=max&auto=format&n=a5swk5kvjfrfeuQI&q=85&s=764067842445272e424af31e9ea6117d" width="2363" height="1344" data-path="images/docs/image-14.png" />
</Frame>

<Frame caption="Diagram: KYC 1.2 (Detailed)">
  <img src="https://mintcdn.com/synctera/a5swk5kvjfrfeuQI/images/docs/image-15.png?fit=max&auto=format&n=a5swk5kvjfrfeuQI&q=85&s=22d6b05849606e5b9d8552d32ed8d954" width="6668" height="3264" data-path="images/docs/image-15.png" />
</Frame>

<Info>
  **Sample text guide for KYC results**

  Sample text for KYC in review:

  * TBD

  Sample text for KYC rejection

  * TBD
</Info>