Success Story
Dintero KYC/CDD — Compliance Boarding Platform
Serverless event-driven boarding platform automating KYC/CDD workflows with custom case management across 4 Nordic countries and 6+ compliance integrations.
Challenge: Nordic payment service provider needed to automate complex KYC/CDD boarding workflows across multiple jurisdictions with digital contract signing and company data enrichment.
Solution: Built a serverless event-driven platform with Lambda, API Gateway, DynamoDB, SQS, and PostgreSQL. Custom case management workflow engine handles declaration, review, and approval stages with HMAC-based contract signing and webhook delivery with retry logic.
Result: Automated 6 types of compliance checks (KYC, AML, Bank Ownership, Risk Assessment, Industry Risk, Credit Scoring), reduced manual review time through automatic case evaluation, and eliminated paper-based processes with digital signature workflows.
Tech Stack
The Story
Dintero is a Norwegian fintech that processes payments across the Nordics. They needed a KYC and CDD boarding platform built from scratch. Not a wrapper around some third-party tool. A real platform that could handle the compliance complexity of onboarding merchants across Norway, Sweden, Denmark, and Finland, each with its own regulatory requirements, company registries, and data formats.
I built the entire backend with 50+ Lambda functions handling the full compliance workflow. The core is a case management engine that tracks applications through declaration, review, and approval stages. Each case triggers automated checks against 6+ external providers: Creditsafe for credit scoring, Proff for company registry lookups, Dilisense for AML and sanctions screening, Criipto for digital signatures, and KAR API for bank verification. Every provider has a different API, different data model, different error handling. Integrating them into a unified workflow took real engineering, not just API calls.
The contract signing flow uses HMAC-based cryptographic verification for tamper-proof digital agreements. No more paper. The webhook delivery system has retry logic and dead-letter queues so downstream systems never miss a status change. Multi-tenant from day one with isolated data per tenant, role-based access control, and jurisdiction-specific rules.
The React 18 frontend gives compliance teams a full boarding portal with i18n support, presigned S3 uploads for document submission, and payment gateway adapters for Klarna and Bambora built into the flow. The whole thing runs serverless on Lambda, DynamoDB, SQS, and PostgreSQL, deployed across EU-West-1 and EU-Central-1 for data residency. It went from zero to production handling real merchant onboarding across 4 Nordic countries.
How We Delivered
Our Delivery Process
See how our senior engineering pod delivered production-ready results
Case Management & Compliance
- Custom workflow engine managing case lifecycle through declaration, review, and approval stages with configurable rules per jurisdiction.
- 6+ compliance provider integrations: Creditsafe, Proff, Dilisense, Criipto, KAR API, and more for KYC, AML, credit scoring, and risk assessment.
- Company data enrichment across 4 Nordic countries (Norway, Sweden, Denmark, Finland) with automated industry risk evaluation.
Contract Signing & Webhooks
- HMAC-based contract signing with cryptographic verification for tamper-proof digital agreements.
- PDF contract generation pipeline replacing paper-based processes with digital signature workflows.
- Webhook delivery system with retry logic and dead-letter queues (DLQs) ensuring reliable event notification to external systems.
Merchant Boarding Portal
- React 18 frontend with React Query, Tailwind CSS, and i18n for multi-language support.
- Secure file uploads with presigned S3 URLs for document submission during boarding.
- Payment gateway adapters for Klarna and Bambora integrated into the boarding flow.
Final Outcomes
Results
Working on something similar?
Book a 15-minute call. We'll tell you honestly if we're the right fit.
Book a 15-min Call