Template structure
Every template organises its sources into three phases. The phase you assign to a source determines both when it runs and what power it has over the final decision. Critical phase — sequential, hard blockers Sources in the critical phase run one at a time, in order. If any source returns INVALID and you have configured itson_hit rule as block, the run stops immediately and the customer is rejected without proceeding further. Use this phase for absolute disqualifiers: an active federal arrest warrant (cnj_mandados_prisao), international sanctions matches (uk_sanctions, eu_sanctions), or an irregular CPF (receita_federal_cpf). Because sources run sequentially, a block early in the phase saves the credits that would have been spent on subsequent sources.
Important phase — parallel, manual review triggers
Sources in the important phase run concurrently after the critical phase passes. An INVALID result here does not automatically reject the customer — it places them in your manual review queue with the finding highlighted. Use this phase for PEP exposure (pep_coaf), CGU sanctions lists (cgu_cnc), and the slave labour registry (sit_trabalho_escravo). Your compliance analyst reviews the queue and makes the final call.
Additional phase — parallel, informational only
Sources in the additional phase also run concurrently, but their results never block or flag a customer. They enrich the compliance profile with context that supports your analyst’s decision or satisfies enhanced due diligence requirements. Use this phase for TSE campaign donor lookups, ICIJ offshore leak screening, or financial profile data.
Creating a template
Name your template and add a description
Choose a clear, unambiguous name — for example, “Standard PF KYC — Retail FX” or “Enhanced PJ Due Diligence — High Value”. The description is displayed to analysts when they select a template for a manual lookup, so make it informative.
Add sources to each phase
Select sources from the source catalog on the right panel and drag them into the critical, important, or additional phase lane. The catalog shows the source description, estimated run time, and credit cost so you can judge the trade-off before committing.
Configure on_hit rules for critical and important sources
Click any source in the critical or important phase to open its settings panel. Set the
on_hit rule:block— rejects the customer immediately when this source returns INVALID. Only available in the critical phase.pending— sends the customer to manual review when this source returns INVALID. Recommended for important-phase sources.
Recommended template for PF (individual)
The following configuration covers the most common retail FX onboarding scenario and satisfies the minimum requirements of BCB Circular 3.978 for individual customers.| Phase | Source | on_hit rule | Rationale |
|---|---|---|---|
| Critical | receita_federal_cpf | block | Validates CPF status, death record, and name match — entry gate for all PF checks |
| Critical | cnj_mandados_prisao | block | Active federal arrest warrant is an absolute disqualifier |
| Critical | uk_sanctions | block | UK FCDO financial sanctions — mandatory for FX operations |
| Critical | eu_sanctions | block | EU Financial Sanctions Files — mandatory for FX operations |
| Important | pep_coaf | pending | PEP status requires analyst review and enhanced due diligence |
| Important | cgu_cnc | pending | CGU CEIS/CNEP/CEPIM sanctions — significant compliance signal |
| Important | sit_trabalho_escravo | pending | Slave labour registry — reputational and legal risk |
| Additional | tse_doadores_2024 | — | Electoral donor exposure — informational context |
| Additional | antecedentes_pf | — | Criminal antecedents — enrichment for high-risk profiles |
| Additional | icij_offshore_leaks | — | ICIJ offshore database — flags for enhanced due diligence |
Template presets
kycert ships with built-in presets to accelerate setup. Load a preset in the template builder and customise it from there — presets are a starting point, not a final configuration.| Preset ID | Subject | Included sources | Use case |
|---|---|---|---|
kyc_minimo_pf | PF | receita_federal_cpf, cnj_mandados_prisao, cgu_cnc, pep_coaf | Minimum BCB 3.978-compliant set for individual customers |
kyc_padrao_pf | PF | Minimum + cnj_improbidade, ofac_sdn, un_sanctions, cvm_processo_adm | Recommended for medium-risk retail FX profiles |
compliance_pf | PF | Standard + antecedentes_pf, cnis_inscricao, trf_processos, cnj_seeu_processos, cvm_participante | Enhanced due diligence for high-risk or high-net-worth individuals |
kyc_minimo_pj | PJ | receita_federal_cnpj, cgu_cnc, ofac_sdn, un_sanctions | Minimum BCB 3.978-compliant set for companies |
kyc_padrao_pj | PJ | Minimum + cnj_improbidade, cvm_processo_adm | Recommended for standard corporate onboarding |
compliance_pj | PJ | Standard + trf_processos, cnj_seeu_processos, cenprot_protestos | Enhanced due diligence for high-risk companies |
Related pages
- Bureau Overview — how the engine executes a template
- Runs — viewing results and downloading compliance reports
- Data Sources — full catalog of available sources