> ## 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 and Fraud Prevention

> Configure automated AML screening and fraud prevention checks for identity verification events in the iDenfy dashboard settings page.

**Location:** **Settings** → **Know Your Customer (KYC)** → **AML & Fraud Prevention**

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.

***

## Anti-Money Laundering (AML)

Configure how and when your users are screened against Politically Exposed Persons (PEPs), sanctions, and watchlist databases.

* **AML check:** Runs a real-time screen during the verification process against global PEP lists, sanctions, and other relevant datasets.
* **Auto AML monitoring:** Activates daily ongoing monitoring for users after their identity verification is approved. Alerts you if a user's status changes.
* **Auto adverse media monitoring:** Activates monthly screening for negative news or adverse media coverage associated with your user.

<Note>
  Auto adverse media monitoring only works together with Auto AML monitoring.
</Note>

***

## Additional Fraud Prevention

These settings enable checks against specific national and international databases to validate the authenticity of your 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. Currently available for US citizens only.
* **Driver's license check:** Performs a state-specific AAMVA check, verifying driver's license or ID data against official US DMV databases.
* **LID check:** Checks the document against the Lost Invalid Document (LID) registry. Specific to documents issued in Lithuania.
* **IP proxy risk check:** Analyzes the user's IP address immediately after approval to detect 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.
* **Verify phone:** Requires the user to enter a one-time password (OTP) sent via SMS.
* **Verify bank:** Prompts the user to log in to their bank account during the flow.
  * **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

### Duplicate Detection

Checks your internal database to determine 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, date of birth) after a verification is approved.

### Blocklists

Cross-references the applicant against your specific blocklists.

* **Blocklist checks:** 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 restricted country.
* **Blocklist by declared country:** Prevents users from proceeding if they select or provide documents from restricted countries.