Video KYC Moderator AI

Invoked when: VKYC session is initiated and the human moderator connects to the live session

• –Monitors the live session feed continuously and displays a real-time compliance overlay to the human moderator — a checklist showing which V-CIP requirements have been satisfied (green), which are pending (amber), and which have a concern (red). The moderator can see at a glance what remains to be completed before the session can be marked as V-CIP compliant.
• –Detects environmental compliance issues in real time: whether the customer is clearly visible in the frame without obstruction, whether the lighting is adequate for document and face visibility, whether the audio quality is sufficient for the required verbal confirmation steps, and whether any third party is visibly present in the frame other than the customer — which is a V-CIP non-compliance signal requiring the moderator to ask the third party to leave before proceeding.
• –Monitors for coercion and duress indicators throughout the session — the customer's verbal tone, the pace of responses, whether answers appear coached or read from a script, and whether the customer looks at an off-camera prompt before answering questions. These are Moderate-confidence signals that are flagged to the moderator as observations, not conclusions. The moderator assesses whether the session should continue or be terminated.
• –Cannot conduct the session autonomously — ask questions, request document presentation, conduct the statutory identification steps, or make the Pass decision. All session interaction is conducted by the human moderator; this agent monitors and annotates in parallel without interacting with the customer directly.

Invoked continuously — each V-CIP checklist item is checked as the session progresses through the required steps

• –Maintains a running V-CIP compliance checklist against RBI's Master Direction on KYC Section 18 requirements: customer's face clearly visible; customer verbally confirms they are undertaking the process voluntarily; OVD presented on camera and read aloud by the customer; OVD is an Officially Valid Document in the permitted categories; OVD name and date of birth match the application; random question posed by the moderator and answered by the customer (live presence confirmation); session conducted in a single sitting without interruption; date and time watermark from the VKYC platform visible in the session recording.
• –Checks each V-CIP requirement as it is completed and logs the timestamp of completion — because the RBI requirement is not just that the steps happen but that they can be demonstrated to have happened in the session recording. A session where a step was completed but not clearly captured in the recording is a partial compliance risk that the agent flags for the moderator to re-confirm before session close.
• –Verifies that the OVD presented on camera is readable — checks that the document is held still enough for text to be legible, that glare or shadow is not obscuring critical fields, and that the document matches the type expected for this customer (Aadhaar card, passport, or other permitted OVD). If the document is not legible in the session recording, the agent prompts the moderator to ask the customer to re-present it before the session is marked as V-CIP compliant.

Invoked when: human moderator signals that the session interaction is complete and the Pass / Refer decision needs to be made

• –Produces a post-session compliance summary — a structured list of all V-CIP requirements and their completion status in the session, any concerns observed during the session, the face match result between the live session video frame and the document on file, and a compliance readiness assessment: "All V-CIP requirements satisfied — moderator may mark Pass" or "The following requirements have concerns — moderator must resolve before Pass."
• –The Pass / Refer decision is made by the human moderator. The agent's compliance readiness assessment is an input to that decision — the moderator reviews the summary, applies their own judgment on any borderline items, and marks the session outcome in the VKYC platform. A session cannot be marked as Pass by the agent alone; it requires the human moderator's active confirmation in the platform.
• –Where the moderator marks a session as Refer, the agent produces a structured refer reason document — the specific V-CIP requirement that was not satisfied, the evidence from the session recording, and the recommended re-session pathway (retry VKYC, or alternative KYC route). This document becomes part of the customer's KYC file and the audit trail for the refer decision.
• –Archives the full session recording alongside the V-CIP compliance metadata — timestamp per checklist item, face match score, environmental flags, moderator's Pass/Refer decision, and the moderator's identity — in the VKYC session archive. RBI's retention requirement for VKYC session recordings is applied at archiving, and the Audit Trail Agent AI logs the archiving event.