A regulated payments product was quietly failing its best customers, not because of a sales or marketing problem, but because the onboarding logic was broken in a way nobody had traced back to its source.
Goal
Identify why compliant SME applicants were failing automated KYC and being routed to manual compliance review, reverse engineer the onboarding workflow to find the failure point, and redesign the logic so that the product worked as intended for the accountants using it.
Context
Modulr's SME channel was a payroll product for accountants. The accountant was both buyer and user: they onboarded onto Modulr themselves and then used it to run payroll for their clients. Getting that onboarding experience right was not a marketing problem. It was a product problem with commercial consequences.
How I Found the Problem
Compliance flagged that companies who should have been passing KYC automatically were consistently arriving for manual review. That was the entry point. I pulled the data and started working backwards through the onboarding workflow to understand where the logic was breaking down and why eligible applicants were being treated as exceptions.
The problem was on our side. The eligibility logic had a flaw that was misclassifying compliant accountancy firms before they reached the automated decision point. The workflow was routing them to manual review not because they failed, but because the system couldn't correctly read what they were.
The Key Decision
The easy path would have been to add more compliance resource to handle the manual review queue. I treated the queue itself as a diagnostic signal rather than a capacity problem, and traced it back to a product logic failure. That reframe is what made the fix possible.
What I Did
- Sourced and analysed compliance escalation data to identify the pattern beneath individual cases
- Reverse engineered the full onboarding workflow end to end to locate the logic failure
- Defined the product fix and worked with engineering to redesign the eligibility logic
- Implemented Mixpanel across the onboarding portal to instrument the workflow and track where drop-off was occurring
- Ran A/B testing across onboarding flows to validate fixes before full rollout
- Separately conducted win/loss analysis across 30+ deals, producing battlecards and objection-handling materials for the commercial team
Outcome
SME onboarding reduced from 2 days to 30 minutes for 83% of applicants, by fixing the logic rather than adding process. Separately, win/loss analysis and sales enablement materials drove an 11% improvement in deal conversion.
What This Demonstrates
This is a product case study, not a marketing one. It demonstrates the ability to identify a non-obvious product failure through data, work upstream to fix the root cause, and ship a solution that had measurable commercial impact. It also reflects how I operate: closer to product and engineering than most PMMs, and more comfortable with diagnostic work than execution briefs.