Financial-grade Swiss client relationship management (CRM) software for banks, financial institutions and other obliged entities in Switzerland and Europe

"Use this moment to upgrade technology and data: streamline KYC and reviews, strengthen UBO logic, improve data quality, tune monitoring and automate where technology makes sense"

Financial-grade customer relationship management that is not just for banks.

360 Relationships is the single source of truth (SSoT) not only for customer-centric services, but also for efficient AML name screening (here) and meaningful regulatory reporting. 360core's CRM ships with AMLA's compliance and reporting framework (here)  and a powerful DMS  (here).

Streamline your business-wide risk assessment (BWRA).

Stop using spreadsheets to measure your financial crime risk exposure. Capture and quantify relevant data points (such as inherent risk, controls quality, KRIs) directly in the CRM at customer level. Aggregate residual risk at entity level and map it to your risk tolerance.

Insource your customer risk assessment (CRA).

Create, configure and manage institution-specific customer risk profiles using preset risk factors according to AMLR and AMLO-FINMA. Develop your proprietary set of risk factors, taking into account guidance from standard setters and FIU typology reports (here).

Gain deep visibility into complex ownership, control and supply-chain structures.

Operationalize compliance with Art. 20 AMLR. Our proprietary visualization technology for corporate structures and ownership path lets you screen entire business networks, making sure you "understand the ownership and control structure of the customer".

Schedule periodic customer reviews and track their progress against compliance cases.

Comply with Art. 26 AMLR ("Ongoing monitoring") and Art. 7 para. 1bis AMLA ("Duty to keep records up to date") by running risk-based quality controls of AML records (here). Set deadlines and monitor progress in the integrated compliance case manager.

Create and manage custom fields in a self-service way as regulatory expectations evolve.

Break free from dependence on inefficient software companies by customizing your customer data schema in-house. Our contextual metadata service, based on ISO 15489 ("Records management"), enables you to tailor the CRM to the needs of your industry.

Asset managers, fintech, crypto asset service providers, trustees

CHF 2,500 per year

• Up to 500 business relationships (financial accounts) per year

Individuals

• Authorized signatories
• Authorized to access account information
• Authorized to manage assets
• Online banking users

Organizations

• Account openers
• Agents or distributors (of FI)
• Authorized signatories
• Authorized to access information
• Authorized to manage assets
• Beneficial owners
• Contact persons
• Default takers in a discretionary trust
• Directors
• Employees (of FI)
• Founders
• Holdings
• Members of management
• Nominee directors
• Nominee shareholders
• Objects of a trustee's power
• Online banking users
• Protectors
• Settlors
• Senior managing officials
• Shareholders
• Strategic customers
• Strategic suppliers
• Trustees
  

Dealers, lawyers, gambling and crowdfunding providers, real estate, sports clubs

CHF 1 per relationship

• Unlimited number of walk-in customers per year

Individuals

• Crowdfunding funders
• Crowdfunding project owners
• Direct customers
• Gamblers
• Outsourcing partners
• Parties to a legal transaction
• Parties to an occasional transaction
• RBI / CBI investors
• Real estate buyers
• Real estate sellers
• Sports advertisers
• Sports investors
• Sports sponsors
• Suppliers of goods

Organizations

• Agents or distributors
• Crowdfunding funders
• Crowdfunding project owners
• Direct customers
• Employees (of obliged entity)
• Gamblers
• Outsourcing partners (of obliged entity)
• Parties to a legal transaction
• Parties to an occasional transaction
• Real estate buyers
• Real estate sellers
• Sports advertisers
• Sports investors
• Sports sponsors
• Suppliers of goods
  

Banks, PSPs, crypto asset service providers, global enterprises

CHF 7,500 per year

• Up to 5,000 business relationships (financial accounts) per year

Individuals

• Authorized signatories
• Authorized to access account information
• Authorized to manage assets
• Beneficiaries of transfers
• Online banking users
• Originators of transfers

Organizations

• Account openers
• Agents or distributors (of FI)
• Authorized to access information
• Authorized to manage assets
• Beneficiaries of transfers
• Buyers
• Beneficial owners
• Contact persons
• Cross-border correspondents (of FI)
• Default takers in a discretionary trust
• Directors
• Employees (of FI)
• Financial institutions (of FI)
• Founders
• Holdings
• Members of management
• Merchants
• Nominee directors
• Nominee shareholders
• Objects of a trustee's power
• Online banking users
• Originators of transfers
• Outsourcing partners (of FI)
• Protectors
• Settlors
• Senior managing officials
• Shareholders
• Strategic customers
• Strategic suppliers
• Trustees
• Vendors

I CRM in general

1. Holistic client view across AML and sanctions regimes

As AML and sanctions regimes are moving closer together they should no longer be managed separately, but through a coherent set of preventive measures and controls designed to strengthen effectiveness across both risk domains.

2. Customer empowerment means increased self-service

Demands for convenience have led to the rise of self-service options. When they can, users want to take care of their own needs without hassle.

During the periodic risk review, users can update their master data themselves while the client relationship manager can simple approve the corresponding compliance case.

3. Use of real-time data

II CRM for banks and financial institutions

What is financial-grade CRM?

Financial-grade customer relationship management turns traditional CRM on its head. While conventional CRM has focused on gaining a comprehensive understanding of client needs, behaviours, and expectations to maximize customer lifetime value, financial sector CRM uses the same data to optimize risk management and regulatory reporting.

4. Periodic customer review

360core's perpetual KYC capabilities are an organic extension of its onboarding risk profiling - ongoing due diligence keeps risk control center-stage over the entire client lifecycle.

Assign point values and weights to recognized AML risk indicators in the Swiss & EU contexts.

Assess your total AML risk and report to regulators via dashboards and extractable reports.

Plan periodic customer reviews in the compliance case management tool for frontline staff.

Create and operationalize your own custom fields whenever legal expectations evolve.

Business logic

• Customer relationship management (CRM): Create central customer database profiles such as individuals, organizations, aircraft, vessels and place them in context through relationships, including: (i) buyers, vendors, suppliers, outsourcing service providers, employees, agents and distributors (corporate context) and (ii) account openers, directors, trustees, account signatories, online banking users, (nominee) shareholders, beneficial owners (financial context)
• Future-proof CRM data architecture modelled on the EU's AML Single Rulebook Regulation ("Obliged entities") and the revised Swiss AML Act ("Advisors"): CRM tailored to FIs, PSPs, crypto-asset service providers (CASP), credit intermediaries, trust or company service providers, crowdfunding service providers, real estate brokers and agents, dealers in high-value goods, notaries, lawyers, advisors, providers of gambling services, investment migration operators, sports clubs
• Customer ML/TF risk assessment and classification (CRA)
• Regulatory risk reporting and analytics: Business-wide risk assessment (BWRA)
  

Usability

• Desktop and mobile versions
• Clear UI: Intuitive interface for impatient business users avoiding unnecessary complexity
• Powerful metadata service for customizing (i) customer fields (customer database) (ii) customer risk factors and risk profiles (risk scoring engine) (iii) inherent risk indicators and thresholds (BWRA) (iv) entity controls quality indicators and thresholds (BWRA)
• Ownership and control structure: Proprietary visualization technology for corporate structures and multi-layer ownership paths
• Periodic customer reviews: Ongoing client lifecycle monitoring with email notifications to account managers
• Compliance case management tool to prioritize and track periodic reviews and changes in customer circumstances
• Language support: All workflows including emails and documentation in 4 languages (EN, DE, FR, IT)
• Technical Support Hotline: Support in EN, DE, FR, IT during office hours (+41 44 700 28 88)
• Productivity connectors: Native integration into 360 Documents (here), 360 Screenings (here) and 360 Signatures (here)
  

Regulatory

• Compliance with Art. 25 para 2 AMLO-FINMA: "FIs must conduct an AML risk analysis, taking into account [their] business activities and the type of customer relationships managed. They must pay particular attention to the customer’s domicile, the customer segment, and the products and services offered"
• Compliance with Article 10 AMLR ("Business-wide risk assessment)
• Compliance with Article 20(1)(b) AMLR ("Customer due diligence") and Art. 9b AMLO-FINMA: FIs must be satisfied that they understand the "ownership and control structure of the customer"
• Audit-proof retention of customer profiles and related records for 10 years in Switzerland pursuant to Art. 958f CO or for 5 years in the EU in accordance with FATF Recommendation 11: Record-keeping
• Disposal scheduling service: Allocate legal retention periods for customer profiles, modify and replace existing disposal schedules to meet new legal or business demands
• Legal holding service: Pause customer records from disposal preventing records from being disposed of during lawsuits, audits or governmental inquiries

Security

• Identity, Credential, and Access Management (ICAM): Apply security and access restrictions ensuring that the right individuals access the right resources at the right time for the right reason
• Role-based access control (RBAC): Grant access permissions based on a set of over 300 actions and build your own roles and policies
• Historical user data: Track the actions of past and present users and run meaningful reports (e.g., User activity report, User authorizations report, Roles report, User group membership report)
• Privacy by design: Compliance with the Swiss Federal Act on Data Protection (FADP) and the EU's General Data Protection Regulation (GDPR)
• Information security: ISO 27001 certified data centres located in Switzerland in compliance with FINMA requirements
• Ransomware protection: Regular 3-2-1 offline, offsite backup of customer records in Switzerland

Related Reading

AMLA (2026) Draft Regulatory Technical Standards on Customer Due Diligence under AMLR 28(1) (here)

AMLA (2026) Draft Regulatory Technical Standards on the assessment of the inherent and residual risk profile of obliged entities under Article 40(2) of Directive (EU) 2024/1640 (here)

BaFin (2024) Auslegungs- und Anwendungshinweise zum Geldwäschegesetz (AuA AT) (here)

BaFin (2021) Auslegungs- und Anwendungshinweise zum Geldwäschegesetz - Besonderer Teil für Kreditinstitute (AuA BT) (here)

Ariane Chapelle (2018) Operational Risk Management: Best Practices in the Financial Services Industry (here)

Deloitte Switzerland (2026) Swiss banks in Europe: The EU Anti-Money Laundering (AML) regime is coming - are you ready? (here)

EU (2024) Regulation 2024/1624 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing (here)

Annamaria Gallo (2025) Antiriciclaggio? Detto, fatto!: La bussola del professionista bancario (here)

EY Switzerland (2023) How do you successfully operationalize your client risk rating model? (here)

FCA (2024) The treatment of Politically Exposed Persons - multi-firm review (here)

FCA (2025) Risk assessment processes and controls in firms: our findings (here)

FCA (2025) Money laundering through the markets (here)

FCA (2026) FCA Firms' customer due diligence processes and controls: our findings (here)

FATF (2014) Guidance for a risk-based approach - The banking sector (here)

FINMA (2023) FINMA publishes guidance on money laundering risk analysis (here)

V. Kumar, Werner Reinartz (2018) Customer Relationship Management - Concept, Strategy, and Tools (here)

McKinsey & Company (2019) Flushing out the money launderers with better customer risk-rating models (here)

MROS (2025) Publications of the Money Laundering Reporting Office Switzerland (MROS) (here)

Martin Peyer, Orlando Battaglia (2025) Kommentierung zu Art. 7 GwG (here)

PwC Switzerland (2023) Embracing the power of an AML risk analysis for effective risk mitigation measures - New FINMA guidance and market insights (here)