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Anti-Money Laundering

Check your user against 1200+ global watchlists

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Overview

Anti-Money Laundering (AML) watchlists are lists issued by national and international bodies such as the FBI, Interpol, and The United Nations that contain names of individuals and companies that have participated in criminal activities. Watchlists are usually updated by these institutions with the latest information they have obtained.

MetaMap's AML Watchlist Merit checks your user against more than 1,200 international watchlists, sanctions lists, and politically exposed persons (PEP) lists to protect you from onboarding users who might be criminals, terrorists, money launderers, fraudsters, or PEPs.

Availability

🌎 Available globally

Features

  • Users can upload an ID or enter their full name

    This merit uses either Document Verification or Custom Input
    You can choose whether your users upload a scanned document or manually enter data for this merit.

  • Basic Watchlist Check

    We check whether a user is listed on 20 international watchlists. If a user is on a list, we will mark the verification as "Review Needed".
    Basic watchlists can extrapolate matches based on spelling variations and missing or incomplete document data (such as missing or incomplete birth dates, addresses, or phone numbers).
    You can choose which institutions to check your users against.
    The following are the institutions that provide the watchlists MetaMap checks your users against.

    Sanctions

    The sanctions lists are from the following institutions:

    • AU Gov Dept of Foreign Trade and Affairs
    • Banco Interamericano de Desarrollo
    • GB Consolidated List of Targets
    • HM Treasury Sanctions List - People
    • Personas de Interes
    • Swiss SECO Sanctions
    • UK Bank of England Sanctions list
    • UN Consolidated Sanctions
    • US Bureau of Industry and Security
    • US Denied Persons
    • US OFAC

    PEPs

    • CIA World Leaders
    • CoE Parliamentary Assembly
    • EU Members of Parliament
    • CO SIGEP

    Most Wanted

    • US DEA Most Wanted
    • US FBI Most Wanted
    • INTERPOL Red Notices
    • UK Most Wanted
    • US Marshalls Service

  • Premium Watchlist Check

    If enabled, we check whether a user is listed on 1000+ premium AML watchlists. If a user is on a list, we will mark the verification as "Review Needed".

  • Premium Watchlist Monitoring

    If you are using Premium Watchlists, you can enable daily premium watchlist monitoring. We will run a daily check of each of your users to determine if they are on the watchlist. If a user is found on a watchlist during a monitoring check, we will send you a webhook notification and mark the verification as "Review Needed".

  • Customize fuzziness of name matching

    If you are using Premium Watchlists, you can configure how strict or "fuzzy" the name match should be between your user's ID document and a watchlist. A fuzziness of 0 means the name has to match the document exactly without switching the order of names or checking for accented characters. A fuzziness of 100% means we can look for a match by switching the order of all letters. The recommended range is between 30% and 90% fuzziness.

User Flow

To complete an AML Watchlist check, a user has to complete the Document Verification step with a National ID, Passport, or Driving license, or manually enter data using Custom Inputs.

How it Works

If a user passes the Document Verification step and the AML Watchlist step, they will be "Verified". If the user fails the AML Watchlist step, they will be marked as "Review Needed".

Setup

Step 1: Set up a Metamap

The first step to setting up AML Watchlists is to create a new metamaps in the Dashboard. Once you've created a new experience, add the AML Watchlist product to the user flow.

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Example metamap with Document Verification and AML merits.

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This merit requires either Document Verification or Custom Input

You can choose whether your users upload a scanned document or manually enter data for this merit.

There are two main configurations:

  1. Basic watchlist check
  2. Premium watchlist check

Basic watchlist check setup

Implement this configuration if you want basic watchlist coverage for your users.

To implement this:

  1. Login to the dashboard, and create a metamap
  2. In your metamap, add the AML Watchlist block
  3. Update the Document Verification or the Custom Input configuration
    • For Document Verification, click on "Add Step 1" and choose the document type options you will display to users
    • For Custom Input, you must add fullName as a field name. You can add dateOfBirth as an optional additional field name.
  4. Click "Save" and your experience is ready to use

Premium AML check

Implement this configuration if you want the most robust watchlist coverage for your users.

To implement this:

  1. Login to the dashboard, and create a metamap
  2. In your metamap, add the AML Watchlist block
  3. Update the AML Watchlist configuration in the right-hand panel
    • Turn on the "Search" toggle to enable Premium Watchlist checks
    • If required, turn on "Monitoring" to enable daily watchlist monitoring
  4. Update the Document Verification configuration
    • Click on "Add Step 1" and choose the document type options you will display to users
  5. Click "Save" and your experience is ready to use

In addition, you can configure the following settings:

  • Name search mode
    • This allows you to select what kinds of matches you are expecting, fuzzy (approximate) or Exact.
  • Entity search
    • Enable this option if you want us to also search for sanctioned entities/companies.
  • Country Restrictions
    • You can limit the Premium AML to specific countries to reduce the false-positive rate
  • Monitoring
    • After the search, you will be notified if any of your verified users get added to a watchlist. These profiles will be monitored daily.
  • Sanction list selection
    • You can also select which types of sanction lists you'd like for us to include in your searches. You can remove the ones that might not be applicable to your use case or region.

Step 2: Integrate

There are 3 ways you can use MetaMap's AML Watchlist:

  1. Direct Link — Send your users a link to sign documents on MetaMap's prebuilt UX
  2. MetaMap Button Button — Integrate our MetaMap Button SDK into your application to use our prebuilt UX
  3. API — Integrate our API into your application and build your own AML Watchlist UX

Step 3: Review results

You can open the search results by navigating to the user's verification page.

  • There you can see if the search was monitored, had a match, or not.
  • In addition, you can also open a live link containing more details, or download a PDF certificate to keep in your records.

Direct Link

If you are not a developer, or you don't have the resources to integrate at this time, you can start using MetaMap's AML Watchlist block in minutes without any code using our Direct Link.

To implement this:

  1. Setup the metamap for AML Watchlists in the dashboard
  2. Get the Direct Link
  3. Send the Direct Link to your users

Integrate our MetaMap Button via SDK

Use our SDK integration if you want to use MetaMap's verification tools but design your own verification experience for your users.

To implement this:

  1. Setup the metamap for AML Watchlists in the dashboard
  2. Install and implement an SDK framework

Integrate via API

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The API is available as a premium feature

Reach out to your customer success manager or [email protected].

Use our API Integration if you want to use MetaMap's verification tools but design your own verification experience for your users.

To implement this:

  1. Setup the metamap for AML Watchlists in the dashboard
  2. Send a request to the Authentication endpoint to get an authentication token
  3. Pass your Experience ID into the Create Verification to get the verification id and the inputs
  4. When your user uploads their ID document, pass your verification id and inputs into the Send User Identifiers endpoint
  5. Pass the user verification information to the Comply Advantage API, specifying the entity type (person or company) and name.

Step 3: Process Verification Results

AML Watchlist Checks will result in a "Verified" or "Review Needed" status. but never a "Rejected" status.

There are two ways you can process verification results for AML Watchlist checks:

Dashboard Verification Results

In the dashboard, under the Verifications tab, the document summary for each verification will show whether or not a user was a match with a watchlist.

Webhook Verification Results

Webhooks are available only for premium AML checks.

You will need to configure your webhooks, then handle the webhook responses that will be sent to your webhook URL.

AML premium webhooks

Updated 4 months ago

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