> ## Documentation Index
> Fetch the complete documentation index at: https://documentation.idenfy.com/llms.txt
> Use this file to discover all available pages before exploring further.
# AML Directives
> How iDenfy helps you meet Anti-Money Laundering (AML) customer due diligence requirements under AMLD5, AMLD6, and related regulations.
## Overview
Anti-Money Laundering Directives (AMLD5 and AMLD6) require regulated entities to identify and verify their customers before establishing a business relationship. This includes Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), and ongoing monitoring.
iDenfy provides a complete AML compliance toolkit — from identity verification and beneficial owner identification to real-time sanctions screening and continuous monitoring. It covers 210+ jurisdictions with 100% sanctions list accuracy.
***
## CDD Requirements and iDenfy Features
### Standard Customer Due Diligence
| AML Requirement | iDenfy Solution | What it does |
| --------------------------------- | -------------------------------------------- | --------------------------------------------------------------------------------------------------------------- |
| **Identify the customer** | [ID Verification (KYC)](/kyc/overview) | Document + selfie biometric verification across 3,000+ document types from 200+ countries |
| **Verify customer identity** | AI + human review | 12-step verification with AI processing in 0.02 seconds and in-house KYC expert manual review (max 3 minutes) |
| **Identify beneficial owners** | [Business Verification (KYB)](/kyb/overview) | Automated UBO identification and verification across 180+ registries, 540M+ company records from 120+ countries |
| **Screen against sanctions/PEPs** | [AML Single Check](/aml/create-profile) | Real-time screening against global sanctions lists, PEP databases, and adverse media — results in seconds |
| **Ongoing monitoring** | [AML Monitoring](/aml/monitoring-create) | Continuous screening: sanctions every 24 hours, PEPs every 7 days, adverse media every 30 days |
| **Record keeping** | [Verification reports](/kyc/pdf-generation) | Full audit trail with timestamped results and downloadable PDF reports for compliance records |
### Enhanced Due Diligence (EDD)
For high-risk customers, iDenfy supports additional checks:
* **Proof of address** — [AI-powered PoA verification](/fraud-prevention/ai-poa) (utility bills, bank statements)
* **Additional document steps** — [request supplementary documents](/kyc/additional-steps) (source of funds, employment contracts)
* **Risk scoring** — configurable [risk assessment](/fraud-prevention/risk-assessment) with five levels (Very Low to Very High), country-based risk assignment, and custom rule creation
* **Adverse media screening** — 15,000+ sites across 195 countries, 99.3% classification accuracy, 11+ languages
* **Bank verification** — instant verification across 2,500+ banks in 29 EU countries with transaction analysis for red flags
* **Criminal background checks** — state and county-level court record searches (USA)
***
## AML Screening Data Sources
### Sanctions Databases
iDenfy screens against sanctions lists from every major regime worldwide:
* **International:** United Nations Security Council (14 resolutions)
* **Americas:** USA (OFAC SDN 30+ programs, OFAC non-SDN 6 lists, State Department 4 lists), Canada, Argentina, Panama, Trinidad and Tobago
* **Europe:** EU (55+ programs), UK HMT/OFSI (30+), Belgium, Czechia, France, Switzerland, and 15+ additional countries
* **Asia-Pacific:** Australia, China, India, Japan, South Korea, Singapore, and 15+ additional countries
* **Middle East & Africa:** Bahrain, Egypt, Iran, Israel, Saudi Arabia, UAE, and 10+ additional countries
**Sanctions accuracy: 100% accuracy, 100% recall, F1 score = 1**
### PEP Database
* **45,000+ public sources** across **210+ jurisdictions**
* Updated within **48 hours** of elections or changes
* Three tiers: Tier 1 (heads of state, ministers), Tier 2 (mid-to-high ranking officials), Tier 3 (local politicians)
* End-of-tenure retention: 12-18 months post-service
* Configurable matching threshold with fuzzy matching, transliteration, and cultural affinity detection
### Adverse Media
* **15,000+ sites** across **195 countries**
* **99.3% classification accuracy**
* Excluded sources: social media, tabloids, blogs, untrusted sources
* 11+ languages: English, Spanish, French, Italian, Polish, Russian, Estonian, Ukrainian, Swedish, Lithuanian, Bulgarian (more on request)
### Additional Screening Categories
* Reputation Risk Exposure (RRE)
* Profile of Interest (POI)
* Regulatory Enforcement List (REL)
* State Owned Enterprise (SOE)
***
## Recommended Setup by Obligation
**Applies to:** Banks, EMIs, payment institutions, investment firms
Recommended configuration:
* KYC with liveness detection (mandatory)
* AML screening with ongoing monitoring
* KYB for corporate account opening with UBO verification
* Proof of address for account opening
* Risk-based approach: additional verification steps triggered by risk score
```json theme={"system"}
{
"clientId": "customer-123",
"callbackUrl": "https://your-app.com/webhook",
"liveness": true,
"amlCheck": true
}
```
**Applies to:** Exchanges, wallet providers, DeFi on-ramps, token issuers
Recommended configuration:
* KYC with liveness detection (mandatory under Travel Rule and MiCA)
* AML screening with ongoing monitoring
* Risk scoring with country-based risk assignment
* Transaction monitoring integration via webhooks
```json theme={"system"}
{
"clientId": "customer-123",
"callbackUrl": "https://your-app.com/webhook",
"liveness": true,
"amlCheck": true,
"riskAssessment": true
}
```
**Applies to:** Online casinos, sports betting, lottery operators
Recommended configuration:
* KYC with liveness detection and age verification
* AML screening with ongoing monitoring
* Source of funds verification for high-value deposits
* Enhanced due diligence triggered by risk score thresholds
```json theme={"system"}
{
"clientId": "customer-123",
"callbackUrl": "https://your-app.com/webhook",
"liveness": true,
"amlCheck": true,
"ageVerification": true
}
```
***
## AMLD6 Specifics
AMLD6 (effective 2021) expanded AML obligations with:
| Change | Impact | How iDenfy helps |
| -------------------------------- | ----------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------- |
| **Extended predicate offences** | More crimes constitute money laundering (22 categories) | Broader AML screening categories including RRE, POI, REL, and adverse media covering all predicate offence types |
| **Corporate criminal liability** | Companies are directly liable for money laundering failures | Full audit trail, timestamped verification reports, and PDF generation for demonstrable compliance |
| **Harmonized penalties** | Minimum 4-year imprisonment across EU | N/A (enforcement) |
| **Extended scope** | Tax crimes and cybercrime included | Adverse media and PEP screening cover tax-related and cybercrime-related exposure |
| **Aiding and abetting** | Attempting, aiding, and conspiring also punishable | Ongoing monitoring catches changes in status post-onboarding |
***
## Ongoing Monitoring
AML compliance does not end at onboarding. iDenfy's continuous monitoring ensures you stay compliant:
| Check type | Frequency | What it covers |
| ----------------- | -------------- | ----------------------------------- |
| **Sanctions** | Every 24 hours | All global sanctions lists |
| **PEPs** | Every 7 days | 210+ jurisdictions, 45,000+ sources |
| **Adverse media** | Every 30 days | 15,000+ sites, 195 countries |
* Default monitoring period: **12 months** (auto-extends)
* Manual recheck available at any time
* Alerts delivered via webhook when a customer's status changes
* All monitoring results are timestamped and stored for your compliance records
[Set up AML Monitoring →](/aml/monitoring-create)
***
## Record Keeping
AML regulations require retention of CDD records for at least **5 years** after the end of the business relationship. iDenfy supports this with:
* **Configurable data retention periods** — up to 8 years by plan, or custom configuration
* **Full audit trail** — every verification step timestamped and stored
* **PDF report generation** — downloadable compliance records for each verification
* **Timestamped AML screening results** — initial and ongoing monitoring results preserved
### Retention by Plan
| Plan | Retention period |
| ------- | ---------------------------- |
| Startup | 3 years |
| Silver | 5 years |
| Gold | 8 years |
| Custom | Configurable (up to 8 years) |
Do not delete verification records that are subject to AML retention requirements, even if the customer requests GDPR erasure. AML record-keeping obligations take precedence over the right to erasure (Art. 17(3)(b) GDPR — processing necessary for compliance with a legal obligation). Document this exception in your privacy policy.
***
## Results from Regulated Industries
| Client | Industry | Key result |
| ---------- | ------------------ | --------------------------------------- |
| Monneo | Payments / Fintech | Verification in under 3 minutes |
| Mano Bank | Banking | 85% approved in avg. 2 minutes |
| Neobridge | Crypto / DeFi | +77% pass rate, -67% verification costs |
| ITCS Trade | Trading / CFD | 87% first-time approval rate |
***
## Resources
* [AML Screening API →](/aml/overview)
* [Terms of Service](https://idenfy.com/agreement/)
* [Privacy Policy](https://idenfy.com/privacy-policy/)
**Compliance inquiries:** [dpo@idenfy.com](mailto:dpo@idenfy.com)
**Technical integration:** [Open a ticket](https://idenfy-ivs.atlassian.net/servicedesk/customer/portal/1)