On a digital account opening project, Compliance wants every new customer with a foreign address to go through enhanced due diligence, while the product manager wants onboarding done in under five minutes. We open about 8,000 accounts a month, 12% have a foreign address, and each manual EDD review takes 40 minutes. Both sides say their requirement is non-negotiable. How do you move this forward?

数字开户项目里，合规要求所有登记了海外地址的新客户都要走加强尽调，产品经理要求开户全程 5 分钟内完成。每月新开户约 8,000 个，其中 12% 有海外地址，人工尽调每个要 40 分钟。两边都说自己的需求不能改，你怎么推进？