Vendor timeouts are still your KYC decision
Identity and screening vendors fail. Timeouts, queue delays, and partial document reads are normal. What matters is what your onboarding platform does next.
If the default is to proceed without a secondary control, the KYC decision is yours — even when the vendor contract looks strong. Audits that ignore timeout and fallback behaviour miss the risk that applicants experience daily.
Include vendor fail-open and fail-closed paths in every KYC process map before you call the control “complete.”