Comply with Anti-Money Laundering (AML), Know Your Customer (KYC) & Know Your Business (KYB) Rules

Melissa’s Global KYC & AML Check in Personator Identity is designed for organizations that need high-quality, real-time electronic identity verification (eIDV). It’s delivered using a layered approach of checks to empower our clients with accurate intelligence from national and worldwide sources. The rapid authentication process will ensure the ability to safely onboard new customers with ease, while protecting your organization from fraudulent activity.

  • Verify identities worldwide with reliable cross-matching capabilities & watchlist screening.
  • Meet stringent compliance in areas of Anti-Money Laundering (AML), Politically Exposed Persons (PEP) & Bank Secrecy Act (BSA).
  • Establish customer due diligence to gain a 360-view of your customers.
  • Privacy is ensured with our commitments to GDPR, HIPAA, SOC 2 & more.
  • Flexible & customizable to meet your business & consumer verification & compliance needs.
  • Fully automated to speed up onboarding & reduce manual intervention from your team.
  • Validate IBAN numbers in specific countries.
With the help of Melissa’s solutions, we have been able to realize a customer onboarding process which makes registration faster and simpler – and reduced manual validation costs. Elisabeth Ihmels @ car2go

eIDV Capabilities

3. Contact Data Verification
Contact Data Verification

Our leading address verification, name parsing, email & phone check are used individually. Verify, standardize, & transliterate addresses with a leading address engine. Verify emails to the mailbox-level. Ensure phones are live & callable. Over 6 million last names & 4 million first names are recognized. Names & address are verified before proof of address to get an exact match instead of a fuzzy match (a step that other providers like to skip).

2. Proof of Address
Proof of Address

Connects a person's name to a specific address to confirm proof of address in real time. Proof of address is available in select countries including US, Germany & others. By leveraging 2.1 billion records, we perform a simple check to ensure the person actually lives at the provided address – a light-weight, quick check that goes a long way to providing enhanced fraud prevention.

1. eIDV, 2+2 & Mobile Doc Scan
eIDV, 2+2 & Mobile Doc Scan

eIDV: Perform full eIDV by verifying SSN, national ID & date of birth to prevent underage or consumer-not-present activities.

2+2: A more advanced mode of eIDV uses 2 different sources to corroborate & verify 2 pieces of information. Check a person's ID against relevant sources like electoral rolls or credit & court data.

Mobile Doc Scan: Verify that documents aren't forged or tampered with while allowing customers to securely submit identity information at any time. It features biometric facial recognition, advanced document type recognition & governance via the document onboarding portal. Plus, the Business Portal streamlines workflows for businesses to review & approve submissions with ease.

0. Sanction, PEP & Deceased Screening
Sanction, PEP & Deceased Screening

An individual has 0 alerts after being screened through sanctions lists, Politically Exposed Persons, & other federal & international restricted party watchlists including an Adverse Media Screening. All reference data which a user is screened against is refreshed daily in our real-time environments. Scroll down for a full list of screening lists.

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3 Key Differentiators

01/03

We are the Address Experts

Melissa’s 35+ years in address intelligence and data quality expertise is built into each verification layer we offer. Our deep domain knowledge is coupled with extensive datasets and strong partnerships with global postal authorities. We ensure the identity of a consumer or business is accurate starting with the foundation – contact data verification.

Personator Personator Consumer - Address Expert with certifications by the USPS and Canada Post
Personator Conusmer API Provides Multi-sourced Data All in One Interface

02/03

Our Data Quality Intelligence is Unmatched

Melissa is the only eIDV service that employs a data quality verification layer. We don’t simply match a name to a static list. We verify each piece of the identity puzzle in real time before it gets passed to the next step. This not only ensures the customer data is accurate, which has a multitude of benefits in itself, but also reduces the number of false positives and negatives that are returned while increasing matching rates.

03/03

Each Verification Layer Has a Dedicated Engine

Each layer has its own dedicated engine for correcting, parsing, and understanding names and addresses. We have the unique advantage of having separate data quality tools built into an all-in-one eIDV service. These crucial data quality abilities are missing from other identity verification solutions, but are absolutely integral to increase the matching accuracy.

Personator Personator Consumer - Address Expert with certifications by the USPS and Canada Post
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Country Coverage

Melissa’s AML & KYC Check makes it extremely easy to verify contact data and comply with regulations, all while keeping the customer experience frictionless. Proof of address is included to verify that the person is matched to their residence and is included for select countries including US, Germany, Australia, and more. For countries that are not covered, the Contact Data Verification layer is still serviceable as a basic check.

See Country Coverage
Personator Data Coverage Map
Watchlists & Sanctions List Screening

Watchlists & Sanctions List Screening

Politically Exposed Persons (PEP) Coverage for over 200+ countries and territories.

Negative News Check scans international media sources for negative or unfavorable news about an individual or business – providing titles, links and dates of news coverage.

View Watchlists & Sanctions

Know Your Business (KYB) Checks

Know Your Business (KYB) checks, part of Melissa’s eIDV service, matches businesses, addresses, & business IDs worldwide to ensure companies are working with a legitimate partner. This includes verification of business name, country-specific ID, status, type (e.g., “Corporation”, “Limited Liability Company”), and registration date.

Verify & Enrich

  • Verify businesses for current/future B2B relationships & businesses with official government sources in multiple countries
  • Enrich business information for select countries
Personator Data Coverage Map

Try Personator Identity Portal Checks Now

Select sample input below to see returned valid fields or process data here.

Sample Inputs

Address Result

Formatted Address Yewarsi N° 295
V9420
Río Grande
ARGENTINA
Address Line 1 Yewarsi N° 295
Locality Río Grande
Sub-Administrative Area Río Grande
Administrative Area Tierra del Fuego
Postal Code V9420
Country Name Argentina

Identity Result

Transaction ID b03656f3-3958-4218-9dc2-1417d2af4779
National ID 36292328
Date of Birth 19790217

Name Result

First Name James
Last Name Bradley
Gender M

Address Result

Formatted Address 14 Epernarra Closehawker
ARANDA ACT 26414
AUSTRALIA
Address Line 1 14 Epenarra Closehawker
Locality Aranda
Administrative Area ACT
Postal Code 2614
Country Name Argentina

Identity Result

Transaction ID 1502fc92-c8f4-44dc-a5e6-cbee5d32926a
National ID 59120568
Date of Birth 19830217

Name Result

First Name Juan
Last Name Carlos
Gender M

Address Result

Formatted Address Avenida Padre Nazareno Lanciotti
Jauru - MT
78255-000
BRAZIL
Address Line 1 Avenida Padre Nazareno Lanciotti
Locality Aranda
Administrative Area ACT
Postal Code 2614
Country Name Argentina

Identity Result

Transaction ID 1502fc92-c8f4-44dc-a5e6-cbee5d32926a
National ID 59120568
Date of Birth 19830217

Name Result

First Name William
Last Name Campbell
Gender M

Address Result

Formatted Address 251 King Edward St
Glace Bay NS B1A 3W2
CANADA
Address Line 1 251 King Edward St
Locality Glace Bay
Administrative Area NS
Postal Code B1A 3W2
Country Name Canada

Identity Result

Transaction ID 20cc9f3d-135e-4a53-a8e1-169697915e2e
National ID 432199847
Date of Birth 19760912

Name Result

Last Name 歌手麦当娜

Address Result

Formatted Address 22 Hao Liuhua Lu
Guangzhoushi
China
Address Line 1 22 Hao Liuhua Lu
Locality Guangzhoushi
Administrative Area Guangdongsheng
Country Name China

Identity Result

Transaction ID 4b585817-2049-4dae-acad-a2f1408e3163
National ID 362138197806010000
Date of Birth 19780601

Name Result

First Name Simon
Last Name Marmion
Gender M

Address Result

Formatted Address 166 RUE DU GENERAL LECLERC
67540 OSTWALD
FRANCE
Address Line 1 166 Rue du General Leclerc
Locality Ostwald
Sub-Administrative Area Strasbourg
Administrative Area Bas-Rhin
Postal Code 67540
Sub-National Area Grand Est
Country Name France

Identity Result

Transaction ID ee68bd36-c43b-4559-ad4a-0e94e26cdfe0
Date of Birth 19690108

Name Result

First Name Ernst
Last Name Angel
Gender M

Address Result

Formatted Address Kaiserstr. 87
53721 Siegburg
GERMANY
Address Line 1 Kaiserstr. 87
Locality Siegburg
Administrative Area Koeln
Postal Code 53721
Sub-National Area Nordrhein-Westfalen
Country Name Germany

Identity Result

Transaction ID b1dd56a5-99da-4d61-a029-fc9bd0e00074
Date of Birth 19750628

Address Result

Formatted Address 20 F Pcw Tower Taikoo Place
QUARRY BAY
HONG KONG
HONG KONG
Address Line 1 20 F Pcw Tower Taikoo Place
Locality Quarry Bay
Sub-Administrative Area Eastern
Administrative Area Hong Kong
Country Name Hong Kong

Identity Result

Transaction ID 92f85288-d642-491e-9657-2fc88d6470e2
Date of Birth 19730301

Name Result

First Name John
Last Name Ennis
Gender M

Address Result

Formatted Address 39 BOROIMHE ROWAN
SWORDS
CO. DUBLIN
K67 EW40
IRELAND
Address Line 1 39 Boroimhe Rowan
Locality Swords
Administrative Area Co. Dublin
Postal Code K67 EW40
Country Name Ireland

Identity Result

Transaction ID f9046f4d-b4e3-47b3-88ed-acdc52e2b341
Date of Birth 18000101

Name Result

First Name Gino
Last Name Cervi
Gender M

Address Result

Formatted Address VIA AL BACCO
23823 COLICO LC
ITALY
Address Line 1 Via al Bacco
Locality Colico
Sub-Administrative Area LC
Administrative Area Lombardia
Postal Code 23823
Country Name Italy

Identity Result

Transaction ID 8da2b3fc-0a73-4459-9ea9-163526a7b997
National ID HRRPRC80H25H517A
Date of Birth 19630614

Name Result

First Name Grace
Last Name Chia
Gender F

Address Result

Formatted Address 21 Playfair Road
Macpherson Industrial Estate
Singapore 367988
SINGAPORE
Address Line 1 21 Playfair Road
Locality Singapore
Postal Code 367988
Country Name Singapore

Identity Result

Transaction ID aa3999e2-f61f-41c0-8e3b-8ec1ed37cd2b
National ID S6971548F
Date of Birth 19810627

Name Result

First Name Félix
Middle Name María
Last Name Samaniego
Gender U

Address Result

Formatted Address Carrer De Les Medes 4 10
08023 BARCELONA (Barcelona)
Spain
Address Line 1 Carrer De Les Medes 4 10
Locality BARCELONA
Sub-Administrative Area Barcelones
Administrative Area Barcelona
Postal Code 08023
Sub-National Area Cataluna
Country Name Spain

Identity Result

Transaction ID 57d8c0cb-fccd-4b58-a49f-bce0e8de0ead
National ID 12768106R
Date of Birth 19750711

Address Result

Formatted Address 101 Doral Ln
Hendersonville, TN 37075-2603
United States of America
Address Line 1 101 Doral Ln
Locality Hendersonville
Sub-Administrative Area Sumner
Administrative Area TN
Postal Code 37075-2603
Country Name United States of America

Identity Result

Transaction ID f61cece4-01c6-4d0b-9683-249a61dbbb5c
National ID 666706036
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