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Version: 11.3.0

KYC Compliance Checks (AML/OFAC/Watchlists)

HYPR Affirm offers optional compliance screening for regulated identity verification programs. The checks are options of the Document and Biometric Verification step: an administrator selects them in the step's Checks group, and they run with the step's document checks during the requester's capture.

Prerequisites​

  • Document and Biometric Verification: The step must be on in the verification flow. The compliance checks have no step of their own.
  • Tenant enablement: HYPR enables compliance screening per tenant. AML Checks and OFAC Checks are enabled together, and Identity Verification With Document Issuer is enabled separately. If a check is not visible in your Control Center, contact your HYPR representative. The canonical flag identifiers are in the Feature Flags Reference.

When screening is enabled for your tenant, HYPR retrieves Watchlist Standard reports from the identity verification provider that runs the document and biometric checks. Affirm evaluates and records the screening and identity checks per workflow instance, and the results appear in the same Activity Log and Audit Trail as the rest of the verification flow.

Configure the Checks​

In the verification flow editor, open Verification Steps > Document and Biometric Verification and select the checks you need in the Checks group. Each check is cleared by default.

CheckWhat It Screens
AML ChecksThe requester against government and international organization sanctions lists
OFAC ChecksThe requester against law-enforcement and regulatory monitored lists
Identity Verification With Document IssuerThe requester against multiple sources of records, including the requester's date of birth and address

Document authentication, the name check and the liveness check are part of the Document and Biometric Verification step itself, and Report Visibility for Requester is one of its settings. See Document Authentication and Liveness.

What the Requester Sees​

The checks add no capture of their own. When Identity Verification With Document Issuer is selected and the requester's record lacks a date of birth or an address field, an Additional Information screen asks for them before the document capture. It reads "Please provide your date of birth and address to continue with identity verification." For the rest of the requester's screens, see What the Requester Sees on the Document and Biometric Verification page.

What Data Is Collected​

Identity Verification With Document Issuer includes the requester's date of birth and address in the check, taken from the requester's record or from the Additional Information screen.

Results, Retries and Failure Outcomes​

The compliance checks count toward the Document and Biometric Verification result: the step passes when every check it ran passes. In the Activity Log, the expanded step card groups the AML and OFAC results under Watchlist Standard Report and the issuer check under Identity Enhanced Report.

The checks use the step's Retry Limit and Failure Outcome; they have none of their own. The step's defaults are 1 attempt and Continue Workflow. The failure outcomes are Deny Verification, Redirect to URL and Continue Workflow, with an optional Escalate to Live Chat under Continue Workflow. For what each outcome does, see Injectable Outcomes and Retry Limits.