Check Model

A Check represents a single, atomic unit of verification. It’s the most granular level of the API and is where the actual screening work happens. Each Check corresponds to one specific task, like searching a sanctions list or verifying an address. For example, a standard AML screening might involve three separate Check objects within one Case: one for SANCTION, one for PEP, and one for ADVERSE_MEDIA. This granular approach allows you to see the individual status and outcome for each part of the investigation and provides more detailed risk scoring. The following check types are supported, grouped by category:

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AML Checks

These checks are typically performed for Anti-Money Laundering purposes.

• PEP: Screens individuals against global databases to determine if they are Politically Exposed Persons (PEPs), including their family members and close associates.
• SANCTION: Screens individuals and entities against comprehensive global sanctions lists (e.g., OFAC, UN, HMT) to ensure compliance with international regulations.
• BLACKLIST: Verifies if a customer is present on your organization’s internal blacklists or other custom risk databases.
• ADVERSE_MEDIA: Conducts a thorough search of global news sources and media for any adverse information related to a customer, flagging potential risks like involvement in financial crime or other illicit activities.
• TRANSACTION_MONITORING: Involves the manual review of a specific transaction alert that has been escalated from an automated monitoring system. The focus is on investigating the context and nature of the transaction to determine if it constitutes suspicious activity.

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KYB Checks

These checks are designed for “Know Your Business” verification, focusing on corporate structures and ownership.

• UBO_RESOLUTION: Identifies and verifies the Ultimate Beneficial Owners (UBOs) of a corporate entity by analyzing ownership structures and control mechanisms.
• INCORPORATION_DOC: Reviews and verifies the authenticity and content of a company’s official incorporation documents, such as the certificate of incorporation and articles of association.
• WEB_PRESENCE: Assesses a company’s digital footprint by analyzing its official website, social media presence, and other online mentions to corroborate business activities and identify potential risks.
• SIGNATURE_AUTH: Verifies the authenticity of a handwritten signature on a key document by comparing it against a known, verified signature.
• PROOF_OF_ADDRESS: Validates a proof of address document (e.g., utility bill, bank statement) to confirm the residential or business address of a customer or entity.
• THREE_MONTHS_BANK_STATEMENT: Analyzes three consecutive months of bank statements to understand a customer’s financial behavior, assess affordability, and identify any unusual patterns.

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KYC Checks

These checks are for “Know Your Customer” identity verification.

• IDV: Verifies the authenticity of a government-issued identity document (e.g., passport, driver’s license) and checks it against fraud and watchlist databases.

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EDD Checks

These checks are for “Enhanced Due Diligence”, often requiring document verification for higher-risk scenarios.

• PROOF_OF_FUNDS: Examines financial documents and other evidence to verify the origin and legitimacy of a customer’s funds, particularly for large or unusual transactions.
• THREE_MONTHS_BANK_STATEMENT: Analyzes three consecutive months of bank statements to understand a customer’s financial behavior, assess affordability, and identify any unusual patterns.
• SIGNATURE_AUTH: Verifies the authenticity of a handwritten signature on a key document by comparing it against a known, verified signature.
• FINANCIAL_STATEMENTS: Conducts an in-depth review of a company’s financial statements (e.g., balance sheet, income statement) to assess its financial stability, performance, and overall risk profile.
• UNDERWRITING: Performs a comprehensive risk assessment for a specific financial product or transaction, such as a loan or insurance policy, to determine eligibility and pricing.