Compliance, Fraud Prevention, KYC & AML

What has changed

Modern geocoding has moved beyond ZIP centroids to true rooftop and sub-building precision with transparent accuracy reporting. It also needs to handle non-USPS® addresses that pure postal files often miss.

Melissa differentiators

Rooftop-level geocodes available for 96.9% of U.S. physical addresses and in 40+ additional countries (including the UK, Germany, France, Australia and others)
Support for non-USPS addresses (new construction, private roads, rural and non-traditional locations) via multi-sourced data
Multi-sourced matching that performs well on incomplete addresses
Global coverage across 250+ countries
Complementary enrichments: property attributes, hazard risk layers, demographics and the Melissa Address Key (MAK)
Flexible deployment and long-term data rights

Melissa differentiators

Rooftop-level geocodes available for 96.9% of U.S. physical addresses and in 40+ additional countries (including the UK, Germany, France, Australia and others)
Support for non-USPS addresses (new construction, private roads, rural and non-traditional locations) via multi-sourced data
Multi-sourced matching that performs well on incomplete addresses
Global coverage across 250+ countries
Complementary enrichments: property attributes, hazard risk layers, demographics and the Melissa Address Key (MAK)
Flexible deployment and long-term data rights

Proof points

City of Burbank achieved 99.9% GIS location accuracy with Melissa rooftop placement vs. previous street-centerline results.
Symmetry Software selected Melissa for precise tax-jurisdiction determination after testing alternatives.
Paradigm improved targeting for pipeline safety outreach using Melissa address + parcel data.

Feature	Description
U.S. High-Precision Coverage	Rooftop-level geocodes for 96.9% of physical address
International High-Precision	Rooftop-level in 40+ countries (UK, Germany, France, Australia, etc.)
Non-USPS Address Support	Supported (multi-sourced reference data)
Real-World Proof	99.9% GIS match rate (City of Burbank)
Accuracy Transparency	Explicit codes returned with results
Broader Global Reach	Geocoding available in 250+ countries
Enrichment	Property, hazard risk, demographics, MAK
Persistent ID	Melissa Address Key (MAK)

Melissa Personator Identity Solutions

Pillars of Electronic Identity Verification

Contact Data Verification

Our comprehensive verification tools validate addresses, names, emails and phone numbers individually with precision:

Address: Standardize and transliterate addresses using a leading address engine.
Email: Check emails down to the mailbox level for accuracy.
Phone: Confirm that phone numbers are active and callable.
Name: Leverage a database of over 6 million last names and 4 million first names.

Names and addresses are validated prior to identity verification, avoiding the common “fuzzy matching” shortcuts used by other providers.

Proof of Address

Link a person’s name to a specific address to confirm proof of address in real time. This service is available in select countries and performs a streamlined check to verify residency at the provided address. This lightweight, efficient process significantly enhances fraud prevention.

Advanced Identity Verification

eIDV: Cross-reference a person’s name and address with their national ID, date of birth, phone and email for comprehensive electronic identity verification. This process ensures high-confidence identity validation and helps prevent underage transactions or consumer-not-present activities.

2+2 Verification: This advanced eIDV method uses two independent data sources to validate two pieces of information. It matches identity details against trusted sources, such as electoral rolls, credit records or court data, for enhanced accuracy.

Mobile Doc Scan: Securely verify identity documents to ensure they are genuine and untampered. Customers can submit their identity information anytime, supported by biometric facial recognition, advanced document type recognition and a robust document onboarding portal. The Business Portal further simplifies workflows, enabling businesses to review and approve submissions with ease.

Watchlist Screening

Screen individuals against sanctions lists, Politically Exposed Persons (PEP) and globally restricted party watchlists to ensure compliance and mitigate risk. With frequent updates in real-time environments, you can rely on accurate and recent data for every screening. Stay informed and compliant with our comprehensive and dynamic watchlist monitoring.

Understanding the numbers

Smarty publishes a 97% rooftop/parcel accuracy claim (positional correctness).
Melissa publishes 96.9% coverage of U.S. physical addresses at rooftop level, plus rooftop-level results in 40+ additional countries and supports non-USPS addresses.

These measure different things. Both coverage and accuracy matter when evaluating providers.

Quick Vendor Evaluation Checklist

Clear rooftop / parcel accuracy codes?
What percentage of addresses receive the highest precision level (U.S. + key international markets)?
Strong results on non-USPS, new-construction and multi-unit addresses?
Useful property or risk enrichments available?
Persistent unique identifier?
Long-term storage rights?

Recommended next step: Run a side-by-side test on a representative sample of your addresses (include rural, new construction, multi-unit and international records).