International Client Verification

Verification of International Individuals with SmartSearch.

International Document Verification – contact us for a competitive quote today

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 £150, 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.

Not all international countries have a central quality database so there is no way to verify an individual at their international address.

SmartSearch, however, are able to offer a simple document verification service which includes PEP & Sanction screening and monitoring.

Smart Doc – Scan Type

There are four options available:

Advanced Check: this check requires the document to have a Machine-Readable Zone (MRZ). This check is an Optical Character Recognition (OCR) check on the numbers and algorithm contained on documents and will match the details of the documents to the individuals details you have entered.

Advanced Check with Facial Recognition: this check is an Advanced Check with the additional verification level of facial recognition.

Expert Check: this is a service where the document submitted is checked by an ID Document Expert, who will physically look at the image of the document to verify if it is genuine.

Expert Check with Facial Recognition: this check is an Expert Check with the additional verification level of facial recognition.

Please see our How To… Conduct Facial Recognition on an International Individual Search

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.