TABLE OF CONTENTS


Summary 

First AML leverages third-party data providers to perform verification checks on individuals. 


First AML Verification report consists of a high-level summary of the verification checks and then a detailed summary of the verification check results.


This article will explain how to interpret verification report results and how to locate & download an individual's report within the First AML Platform.


Verification results

At the top of the Verifications tab, you will see a high-level overview of the verification results. This will be based on your selected verification type and screening configurations. 


 


Personal details (Name, Date of Birth and Address)


The next section outlines the granular verification results for the individual's details - Name, Date of Birth and Address. This will include the information that is checked, the number of data sources matched for each personal detail and the verification result for each personal detail. 


If the number of required sources is not reached, this will be indicated within the Data Sources section. 


Note: Different jurisdictions have different verification criteria based on local regulatory requirements or regulatory guidance.  E.g. some jurisdictions require 2 x sources for name, date of birth and address respectively to reach a PASS result. If an individual only matches against 1 x source for name, date of birth and address, this will lead to a No Match result. 


Please refer to this article for more information on the minimum number of data sources required to reach a PASS result for each section. 


What to do when you receive an individual verification result with 'no match'

If you receive a verification check with a No Match, you may be able to easily remediate the failure. To do so, please refer to this article on how to troubleshoot individual verifications.



ID document 

ID document validity


This section surfaces the ID data provided by the individual. 



ID Validity assesses whether the document is within its valid date range (PASS) or has expired (FAIL).



Anti-tampering


First AML's third-party provider employs a variety of techniques designed to identify fraudulent documents. It checks the internal and external consistency of the identity document provided by the applicant to identify potential discrepancies. The overall result may show clear, caution, consider, or rejected.


  1. Rejected: Our service provider can't process the document image, or the document isn't supported for processing. Alternatively, the age of the applicant may be too low (the standard threshold is 16 years old). 
  2. Consider: Our system has detected there could be digital tampering, security features aren't present etc. 
  3. Caution: Our system has flagged elements of the document that don't lead to a clear result (for example, an expired document or a customer taking a photo of a scanned document).
  4. Clear: All underlying verifications passed. There are no indications the document is fraudulent.



Reasons:


If you see a rejected, consider, or caution result, you will be presented with information as to why this result has occurred to help you to determine the next step. 



Age validation 

Asserts whether the age calculated from the document's date of birth data point is greater than or equal to the minimum accepted age set at the account level. The default minimum age is 16 years old.


Compromised Document 

Asserts whether the image of the document has been found in our internal database of compromised documents.



Data Validation 

Asserts whether algorithmically validatable elements are correct. If 'Document Expiration' shows a flag, this means that the document has expired. If 'Expiry Date' is flagged, this means that the expiration date has the incorrect format.


Image integrity 

Asserts whether the document was of sufficient quality to verify. 



Visual authenticity 

Asserts whether visual (non-textual) elements are correct given the document type.


Example of consider:


Example of rejected:


What to do when you receive a rejected anti-tampering result


When we receive a rejected anti-tampering result in our platform, it means our system hasn't been able to complete the relevant checks to confirm the ID hasn't been tampered with. 

Often, we see rejected results due to the original ID document being damaged or parts of the ID being cut off in the photo (e.g. the MRZ section on a Passport). 

If the result is "Consider" or "Suspected" the compliance team should review the ID document to see if they're happy to accept the verification.

If your compliance team accept the ID that has been flagged for anti-tampering we would recommend adding a note in the compliance team notes section for audit purposes.


For more detailed information on why an individual might have failed the anti-tampering check please refer to this article.












Biometrics (facial recognition)


First AML's third-party provider compares the video or photo* provided by the applicant to the face on the document provided. It aims to prove identity document ownership so that only the owner of the identity document can use it to verify their identity and access services. The facial recognition report has an overall result, which is either a clear or a consider. When a consider is generated, the report will present any issues found. 


For more detailed information on why an individual might have failed the biometrics check please refer to this article.


Depending on the reason, and your risk appetite you may decide to reject the user, or manually review and override the result.


*Individuals (your clients) have the option to provide a self-portrait photo via the First AML EIV form rather than submit a video. This option will appear within the form if the individual spends more than 15 seconds on the video page without interacting with the screen. This photo will be reviewed by our facial recognition technology and appear within the individuals' verification report for your review. 


Face Comparison

Asserts whether the face in the document matches the face in the live photo.


Image Integrity

Asserts whether the quality and integrity of the uploaded files were sufficient to perform a face comparison.


Visual Authenticity

Asserts whether the person in the selfie or video is real.


Example of Consider:


No match for Govt. ID (AU & NZ Only)


No match for government ID means that we haven't been able to verify the ID against the relevant government data base. Usually, the first thing to check here is that all the information - e.g. licence number, version number and expiry date) is entered correctly & that the document is not expired.


The other reason the ID might fail is if it has been cancelled - e.g. individual has lost their licence, requested a new licence and then found the old one again. Or, if an individual has been issued with a temporary restricted licence - all options will lead to their provided licence failing.


In this instance, you may like to contact the individual to see if they know why their ID document is not in the Govt. ID system. If they think it should be valid, they can contact the relevant Govt. agency to get this updated or alternatively you might choose to collect an alternative ID.




Screening


  • PEP
  • Sanctions
  • Adverse Media


PEP - A politically exposed person is an individual who has been entrusted with a prominent public function and potentially presents a higher financial risk due to the influence they may hold.


Sanctions - Financial penalties that have been applied by a country or countries against an individual or entity.


Adverse Media - Any negative information on an individual or entity discovered across various sources, i.e. reputable news or other publications linking the individual or entity to involvement in corruption, money-laundering, terrorism/threat financing and other unlawful activities.


Each of these checks will result in either a Hit (where the individual has triggered 1 or many hits) or No Hits (where the individual’s check has returned 0 results).

 

For each section of the report that is presented, it will include details of the name, date of birth, address and ID document (if applicable) that was provided to First AML. 

 

The PEP, Sanctions and Adverse media section indicates where there has been a match. Clicking on this will take you to a more detailed report that allows you to further investigate the matches.


Verification history


At the bottom of the report there is a section called History. The History table will list out all verification reports that have been generated for this individual. 























Locate & download the Electronic Verification Report 


To view the Electronic Identity Verification Report in the First AML platform please first click into the individuals profile (through clicking their name from the 'Individuals' Tab) and then navigate to the "Verifications" tab. 


From there you will be able to see the most recent Electronic Identity Verification Report (EIV) run on the individual, as well as their EIV history. 


If you wish to download a copy of an individuals verification report for your internal records, you can do so by clicking the printer icon at the top of the individuals page. Once you click the printer, you will have the option to change the destination, change it to "Print to PDF" and click print.