How Do I Interpret an AML Check?

An Anti-Money Laundering (AML) Check delivers an easy to understand set of indicators as to the existence and authenticity of an individual and all through a single search.

We source the AML check data from Equifax which is one of three credit reference agencies (CRA) in the UK. The others are Experian and TransUnion.

The results are delivered through an easy to understand Pass/Refer outcome and three digit profile.

The minimum requirement for a Pass is:

• 2 Residency matches
• 1 Identity match and
• 0 Alerts

Anything less will result in a Refer outcome which suggest that you should obtain more information such as photographic identification.

Residency Checks (2)

• Presence on Electoral Roll
• Presence of credit agreement with different lenders
• Presence on BT telephone database
• Presence of court data

Identity Checks (1)

• Date of birth match on Electoral Roll
• Date of birth match on credit data
• BT telephone database match

Alerts (0)

• HM Treasury Sanctions
• Senior Political Figures
• Halo (Deceased)
• Office of Foreign Asset Control

Watchlist

The Watchlist screens individuals against Sanctions and Politically Exposed Persons (PEP) lists to identify target matches.

The Watchlist Summary is displayed as a panel on the report.

You can click on the Full Watchlist Report button to see more information about any matches.

The Watchlist checks for alerts in the following categories:

Category	Description
Sanctions	Sanctions are measures primarily adopted by governments against a regime, organisation or individual that is believed to be in violation of international law. They are usually political, diplomatic or economic in nature and aim to prohibit illegal activity by high-risk individuals or groups.
Politically Exposed Persons (PEPs)	A PEP, or Politically Exposed Person, is an individual who holds the office of a prominent political function. The position of a PEP can mean that they are higher-risk individuals due to the influence and power that their position might hold, which may make them susceptible to bribery and corruption.
Relatives & Close Associates (RCAs) of PEPs	Relatives and Close Associates (RCAs) are individuals that are associated to a PEP by a family, friend or business connection, and can include parents, siblings, friends, legal advisors, and business associates. RCAs are also known as ‘secondary PEPs’.
Special Interest Person / Entity (SIP/SIE)	Special Interest Persons (SIPs) and Special Interest Entities (SIEs) are individuals or organisations that present a heightened level of risk due to their suspected or confirmed involvement in criminal activity. Association with these parties can represent both reputational and legal risk.

Linked Addresses

A list of addresses linked to the individual will also be included in the AML Check. You can click through to see more information on the address such as Electoral Roll details.

Electoral Roll

Details of the individual and associates on the electoral roll at the address will be included if there are any matches.