Third-Party Checks

Query DMVs from 36 states to verify that the data on the ID matches an actual ID issued by that state.

Identity Validation is a process of customer identity verification that is simple and cost-effective, so you remain compliant with the USA Patriot Act and Red Flags Rules, while reducing fraudulent activity.  Below is a full list of screening options:

Level 1

• Validate the customer’s city, state, zip code, driver’s license, and SSN

• Instantly check the customer’s name against the latest OFAC list and verify that the customer’s SSN is not listed on the Social Security Administration’s Death Master File

Level 2

• Verify all key customer information against public databases as well as a national consumer reporting agency and receive a score that indicates the validity of the data

Level 3

• Gain an advanced layer of identity verification with an “out-of-wallet” security feature that poses questions only the customer can answer

Query court, arrest, and incarceration history, as well as warrants issued.

Check to see if the individual has ties to a known terrorist or drug trafficker organization.

Check whether the individual has registered as a sex offender.

MK Denial includes US and International Denied Parties, United Nations Security Council Embargoes, Commerce Dept. Denial List, etc.

Dynamic Screening List

In order to reduce risk and ensure the highest level of compliance you can leverage our dynamic screening solution. When a new entry is made in the denied parties list, your master list of customers will be screened and a report will be generated and automatically emailed to you. Our dynamic screening solution truly simplifies the process and enables you to focus on your business while ensuring compliance and reducing your risks.

Denial Lists

Restricted Parties – License Required

Department of Commerce Entity List – End-User Requiring License (ERL); 15 CFR Part 744 Supplement No. 4

Department of Commerce Unverified List (RFC); 15 CFR Part 744.15

Denied Parties

Department of Commerce Denials List (TDO);

Specially Designated Nationals and Vessels of: (31 CFR ex Parts 500-590)

Belarus, Congo, Cote d’Ivoire, Cuba, Iraq,  Iran,  Lebanon,  Liberia,  Libya,

Myanmar – Burma, North Korea, Somalia, Sudan,  Syria, Western Balkans, Zimbabwe

Foreign Sanctions Evaders List

Weapons of Mass Destruction Proliferators

Non-SDN Palestinian Legislative Council

Specially Designated Terrorists

Specially Designated Global Terrorists

Specially Designated Narcotic Traffickers

Specially Designated Nationals Sergei Magnitsky

Transnational Criminal Organizations

Debarred List (DOS); 22 CFR Part 127.7 ITAR; Arms Export Control Act, Sec. 38

Missile Proliferators (MT); 22 CFR Part 126

Chemical and Biological Weapons Proliferators (CBW); 22 CFR Part 126

Designated Terrorist Organization (DTO); 22 CFR Part 126

Iran Nonproliferation Act of 2000 (inpa); 22 CFR Part 126

Iran, North Korea and Syria Nonproliferation Act

Sanctions for the Transfer of Lethal Military Equipment (lme); 22 CFR Part 126

Parties of Concern

Department of Commerce Unverified List – Red Flag Concerns (RFC); 15 CFR Part 732 Supplement No. 3.

European Union Sanctions List

Unverified List – “Red Flag”

Japanese End User List (Ministry of Economy, Trade and Industry – METI)

UK List – WMD End-Use Control: Licence Applications for Iran

Financial Crimes Enforcement Network list (FINCEN).

United Nations Security Council Sanctions (UNS)

Additional Non-Standard Offerings

GSA Debarred Bidders List – Reciprocal

GSA Debarred Bidders List -Non-Procurement

GSA Debarred Bidders List – Procurement)

Australian Consolidated List

Bank of England – Financial Sanctions

Canadian Restricted Entities

World Bank – List of Debarred/Ineligible Firms

FBI Most Wanted List

Swiss Restricted List (SECO)

Politically Exposed Persons

Database includes:

OFAC (Office of Foreign Assets Control) Consolidated Lists – Includes PLC (Palestinian Legislative Council List), Sanctions, SDN’s, Non-SDS (Specifically Designated Nationals and Blocked Persons)

Specially Designated Nationals(SDN). As part of its enforcement efforts, OFAC publishes a list of individuals and companies owned or controlled by, or acting for or on behalf of, targeted countries. It also lists individuals, groups, and entities, such as terrorists and narcotics traffickers designated under programs that are not country-specific. Collectively, such individuals and companies are called “Specially Designated Nationals” or “SDNs.” Their assets are blocked and U.S. persons are generally prohibited from dealing with them.

Politically Exposed Persons (PEPs). Guidance documents issued by federal regulatory agencies require that all financial institutions take reasonable steps to ensure they do not knowingly or unwittingly assist in hiding or moving the proceeds of corruption by Politically Exposed Persons (PEPs). The first step in complying with this directive is determining whether a customer or potential customer qualifies as a PEP as defined within the Bank Secrecy Act (BSA). If you determine the customer qualifies, the second step, which defines your course of action, is to assess the related risk.

Databases Include:

• OSFI (Office of the Superintendent of Financial Institutions) Consolidate List – Canada
• SAM.GOV (EPLS and LDP)
• UK Consolidated Lists – Includes OFSI (HM Treasure lists)
• Bureau of Industry & Security Denied Persons List
• Bureau of Industry & Security Entity List
• Bureau of Industry & Security Unverified List
• US State Department Terrorist Exclusion List (TEL)
• PEP – We use the CIA PEP list so our PEP lists do not contain close relations nor US PEP’s
• EU Sanctions Consolidated List