International Client Verification


Verification of International Individuals with SmartSearch.

International Document Verification – From £6.00 +vat

 

Remote international clients and beneficial owners probably cost the MLRO the most time, effort and uncertainty in the whole customer due diligence process. Typically it involves the customer getting documentation notarised in their country of residence, at an average cost of around £40, then getting a notarised copy to the MLRO. Often the notary information is not in English and needs translation, and then there is the problem of verifying the notary against local listings, quite often this is just not done. As with all paper based verification systems there are no standard checks against sanctions and PEP’s or any other alerts.

For a simpler solution all you will need is a high resolution image of the Individual’s document and SmartSearch will be able to validate to a level 3 Immigration Standard. This is the level of immigration officers manning UK entry points. The documents could be passport, ID cards, driving licence or others accepted as ID in the country of issue.

The system has two levels, dependant on your requirements and risk assessed.

The Basic level £6 + vat per search: – Entry of the customers, name, address, date of birth and gender then a high definition colour scan of the document is up loaded into the system confirming country of issue. The software performs algorithmic checks on the information input and on the document as being correct. A Full search against the Dow Jones Watch List is also made looking for any matches on worldwide Sanctions or PEP’s lists.

The Enhanced Level £18 + vat per search: – Does as the basic but has addition checks on font, typefaces and security feature of the document are looking for any evidence of the document displays no elements of forgery or counterfeit.  The document is also reviewed physically by person who is trained to level 3 Immigration Standard who gives their expert opinion on the results.

ID Theft and Fraud

As with all remote customers there is always the risk of impersonation fraud, to manage that risk an additional check should be undertaken, such as;

Requiring a nominal payment be made by an account in the customer’s name, for example a cheque for a nominal amount, for this who have card processing this may be simply processing a £1 payment or recovering the cost of the search
Telephone contact with the customer or a ‘welcome call’ to verify aspects of the information already provided.
Communication with the customer at his address provided such as the duty of care or letter of engagement, which require acknowledgement or return.

Requirements for International Document uploads

  • Images can be jpg, tiff or pdf.
  • All images must be colour.
  • Images must not be greater than 5mb and must be a minimum of 300dpi.
  • Images must be original scans or copies – photocopies of scans will not be of sufficient quality.
  • If a document has 2 sides, e.g. a driving licence or ID Card, both front and reverse must be uploaded. Front and reverse images can be on the same PDF, but if two separate images are uploaded they must be of the same file type. NB: If only one side is loaded the check cannot be completed and you will still be charged.
  • A PDF must be clean i.e. there must not be any writing on a pdf next to the image.

If you do not have access to a scanner this can be also be done by using our SmartIDV which enables our remote clients to take an ID document image and email that image for uploading to our platform for verification. This greatly reduces the risk of input images being rejected as a result of poor quality or distorted image alignment. This App will ensure your submitted image is of the correct resolution and the image is squarely aligned eradicating image distortion, ensuring we can validate the document without delay.

 The SmartIDV App is free of charge to all our customers; it can be down-loaded from the Apple Store or Google Play Store now.