How It Works

Step 1

Register Online

A User fills out a web form provided by the Issuer and enters information to collect needed profile setup and start the KYC and Identity processes.

Step 2

Upload Identity Document

The user then uploads an identity document. This comprehensive range/set of documents provides global coverage, segmented into the jurisdictions of each region. Depending on the type of document used for verification, either one or both sides of the document may be required (One side is required for a passport whereas a drivers License/ID card required both sides).

Step 3

Photo Headshot ‘Selfie’

Users are then required to upload a photo of their face, (aka a ‘selfie’).

Step 4

ORC Checks & Risk Scoring

OCR technology is used to read the data from the identity document and perform the following checks:

  • Address risk scoring
  • Checking against Global Watchlist databases
  • Checking against Politically Exposed databases (primary and secondary/related contacts)
  • Checking against iComply Investor Services known blacklist
  • iComply GeoTrace checks the IP Address of the user vs their nationality/location
  • Checking against deceased databases

Step 5

Identity Document Validation

The identity document is then checked against templates and databases of that specific document type. This covers:

  • Identity document template matching
  • Checking of document security features

Step 6

Photo to ID Verification

Facial recognition and machine learning are applied to the uploaded photo of the individual, verififying confidence and matching the identity document.

Step 7


A final pass or fail is recorded and if it goes to pending these are available for manual approval or rejection on the ID verification history dashboard. These are versioned to provide a compliance audit trail around future verifications (ie. in the case of an expired ID).

Step 8

Audit & Reporting

Maintain records automatically and generate on-demand reports in the event of an audit or source of funds reporting requirements.

Step 9

Additional Workflows (if needed)

Additional workflows are presented for jurisdiction-specific requirements. (if needed)

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