Comply with Anti-Money Laundering (AML) & Know Your Customer (KYC) 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.
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).
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.
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.
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.
3 Key Differentiators
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.
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.
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.
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
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
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