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This section allows you to configure automated screening processes to detect money laundering, fraud, and high-risk applicants. You can toggle specific checks that occur during the verification process or enable ongoing monitoring for approved users. Settings-> Know Your Customer (KYC)-> AML & Fraud Prevention

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Anti-Money Laundering (AML)

Configure how and when users are screened against Politically Exposed Persons (PEPs), sanctions, and watchlist databases.
  • AML check: Runs a real-time screen during the verification process. This checks the user against global PEP lists, sanctions, and other relevant datasets.
  • Auto AML monitoring: Activates daily ongoing monitoring for users after their identity verification is approved. This ensures you are alerted if a user’s status changes.
  • Auto adverse media monitoring: Activates monthly screening for negative news or adverse media coverage associated with the user.
Requirement Auto Adverse media monitoring works only together with Auto AML monitoring

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Additional Fraud Prevention

These settings enable checks against specific national and international databases to validate the authenticity of the user’s data.
  • Registry centers countries: Select countries (e.g., United Kingdom, Hungary, Lithuania) to enable cross-referencing approved identities against their respective national registries.
  • 🇺🇸 Criminal background check: Scans for potential criminal history during verification.Limitation: This service is currently available for US citizens only.
  • Driver’s license check: Performs a state-specific AAMVA check. This verifies the driver’s license or ID data against official US DMV databases.
  • 🇱🇹 LID check: Checks the document against the Lost Invalid Document (LID) registry.
Limitation: This service is specific to documents issued in Lithuania.
  • IP proxy risk check: Analyzes the user’s IP address immediately after approval to detect the use of high-risk proxies or VPNs that may indicate fraud.

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Verification Steps

Add extra layers of security by requiring users to verify their contact or financial information.
  • Verify email: Requires the user to enter a confirmation code sent to their email address to proceed with the flow.
  • Verify phone: Requires the user to enter a one-time password (OTP) sent via SMS to validate their phone number.
  • Verify bank: Prompts the user to log into their bank account during the flow. Users may choose to skip this step unless it is mandatory for your specific use case.
  • Verify bank accounts: Validates the existence of the account.
  • Verify bank balances: Checks current balance data.
  • Verify bank transactions: Retrieves and analyzes transaction history.

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Duplicates & Blocklists

Prevent multiple sign-ups by the same person and block known bad actors.

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Duplicate Detection

These settings check your internal database to see if the user has applied before.
  • Document face duplicate check: Compares the face on the ID document against all past verifications.
  • Selfie face duplicate detection: Compares the live selfie against all past verifications.
  • Personal data duplicates detection: Checks for matching personal information (Name, Surname, DOB) after a verification is approved.

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Blocklists

These settings cross-reference the applicant against your specific blocklists.
  • Blocklist checks: You can enable separate checks for Document face, Selfie face, and Personal data against your blocklist.
  • Blocklist by IP country: Automatically blocks and ends the session if the user’s IP address originates from a specific country.
  • Blocklist by declared country: Prevents users from proceeding if they select or provide documents from specific restricted countries.