Building a Digital eKYC Process for Rogers Bank

During COVID-19, Rogers Bank faced a critical challenge: higher-risk credit card applicants were required to present physical identification at retail locations to advance their applications. With retail stores closed due to pandemic restrictions, the bank needed an alternative solution to ensure these applications could proceed without compromising security or compliance.

The goal was to create a seamless digital workflow that enabled applicants to verify their identity remotely while maintaining a user-friendly experience.

1. Designing the Digital Workflow
2. I designed a simple, end-to-end digital process that started with an automated email to applicants. This email linked to a clear, mobile-friendly site that guided users step-by-step through the ID submission process.
3. ‍Mobile-First ID Verification
4. I designed the site to be mobile-first, allowing applicants to easily use their phone's camera to take and upload pictures of their government-issued ID. To ensure security and compliance, I integrated a 3rd-party ID verification API to validate the submissions seamlessly.
5. ‍Building a Scalable AWS Platform
6. I built the entire eKYC platform on AWS, leveraging its reliability and scalability to handle the high volume of applications. The system was designed to integrate smoothly with Rogers Bank's existing back-end workflows, minimizing operational disruption.

• New Digital Channel: Delivered a fully operational eKYC process that allowed Rogers Bank to approve applications during retail closures, ensuring business continuity during the pandemic.
• Improved Applicant Experience: Provided a convenient, digital-first solution for customers, enhancing the application process with minimal friction.
• Operational Scalability: Established a scalable platform that could continue to serve as a digital identity verification tool post-pandemic, paving the way for broader adoption of remote banking workflows.

This project was a powerful reminder that crisis is a catalyst for innovation. A process that was once exclusively physical had to become digital overnight. It proved that by focusing on a simple, user-centric workflow and leveraging scalable cloud technology, you can solve urgent business continuity problems and create more convenient, lasting solutions for customers in the process.