Building a KYC questionnaire that knows what the regulator will ask before they ask it

If you've never worked in fintech: KYC stands for Know Your Customer. It's the legal requirement for financial institutions to verify who their customers are before providing services. Anti-money laundering, fraud prevention, sanctions screening - all of it starts with KYC. When a business opens an account, the bank needs to understand what that business does, where its money comes from, and whether it poses any compliance risk. Before this feature shipped, a new business customer could complete onboarding, submit their application - and then wait for the banking partner's compliance team to start asking questions. Our banking partner performs compliance reviews on all new business accounts. As part of that review, their compliance team would send questions about business activity, industry type, international transactions, licensing, certifications. The customer would answer. Sometimes the partner would come back with another round. Multiple rounds of back-and-forth, each round adding