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AML
It is possible to extend the Identity verification integration by requesting an watchlist, PEPs and sanctions check as part of a session.
This section will describe:
What an AML check is.
Outcome and recovery suggestions.
Yoti provides a seamless and integrated way to request a watchlist, PEPs and sanctions screening as part of an IDV session providing you results to interpret both in isolation and in context of the other checks carried out as part of that session. Details of any matches will be accessible to you, and there will be adequate methods of ‘filtering’ results to limit the risk of false positives.
Additionally, Yoti offers ongoing monitoring of a person such that the relying party is notified if a particular person appears on a list over time, after the initial screening.
AML checks | Description |
|---|---|
Sanctions and watchlists | 1,000s of global government regulatory and law enforcement watchlists and over 100 International and National Sanctions lists. |
PEPs | Consolidated, dynamic global database on politically exposed persons with over 5,000 data sources. |
Adverse media | The world’s most accurate database of adverse information and media entities with FATF-aligned categorisation. |
Ongoing monitoring | Get alerts to changes in risk status with automated monitoring against real-time databases. |
If you would like to tailor your lists or have access to the portal, please contact us.
The settings below need to be stated in a custom API request:
Fuzziness
Source Selection- Listing types or Search Profiles
If they’re not stated, fuzziness will be automatically set at 50% and all available sources will be selected.
Yoti will need to capture the following user attributes:
Name
Date of birth
Country ISO code
To retrieve this, please ensure you use the following checks:
Name | Resources | Manual check available |
|---|---|---|
Text extraction on a ID document | 1x Document Resource | ✅ |
Enhance your check
Add these features to enhance your check for a stronger verification.
Name | Description | Resources | Manual check available |
|---|---|---|---|
Mobile hand off | Start your session in web and allow the user to smoothly move to mobile. | N/A | N/A |
The user flow
The AML check is done in the background when enabling the data extraction check, the user will go through the document upload flow.
Results
Yoti performs a numerous amount of sub-checks on the document submitted in order to generate this report request:
Recommendation | Explained |
|---|---|
🟠 NOT_AVAILABLE | Not enough information to do the requested check. This could be due to text data extraction failing. |
🟠 CONSIDER | If one or more sub check fails. |
Each check type will potentially return multiple sub checks in the breakdown reflecting what was requested. In addition each failing sub check will contain additional details on what was flagged:
Yoti Reason | Description |
|---|---|
number_of_hits | This is the total number of hits against watchlist types that matches that sub check or any of its subcategories. |
closest_match | This is a comma separated list of match_types for the entry that we determined to be the best match for this sub check. |
Consider Result
In addition to the normal report, watchlist checks will also return a WatchlistSummary object. Please see here for more details:
Yoti Reason | Description | Automated | Result |
|---|---|---|---|
sanction | This sub check will be present if sanctions were chosen as a category OR an entity was found that is on a sanction watchlist. | ✅ | If this fail's, the check will recommend CONSIDER with reason POTENTIAL_MATCH. |
warning | This sub check will be present if sanctions were chosen as a category OR an entity was found that is on a warning watchlist. | ✅ | If this fail's, the check will recommend CONSIDER with reason POTENTIAL_MATCH. |
fitness_probity | This sub check will be present if sanctions were chosen as a category OR an entity was found that is on a fitness_probity watchlist. | ✅ | If this fail's, the check will recommend CONSIDER with reason POTENTIAL_MATCH. |
pep | This sub check will be present if sanctions were chosen as a category OR an entity was found that is on a pep watchlist. | ✅ | If this fail's, the check will recommend CONSIDER with reason POTENTIAL_MATCH. |
adverse media | This sub check will be present if adverse-media were chosen as a category OR an entity was found that is on a adverse-media watchlist. | ✅ | If this fail's, the check will recommend CONSIDER with reason POTENTIAL_MATCH. |
custom_search | Only present for advanced checks. If a search_profile was used instead of types in the search config. | ✅ | This will fail if any other sub checks fails. If this is pass, no other sub checks will be shown (since we can not tell which ones are requested from the search_profile name. |
Not Available Result
For the list of not available reasons, please see below.
Yoti Reason | Recovery suggestion |
|---|---|
NO_VALID_FIELDS The uploaded documents did not contain all fields required to do the check. | Ask the user to try again. |
Got a question? Contact us here.