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Version: 11.3.0

KYC Compliance Checks (AML/OFAC/Watchlists)

Affirm supports optional compliance screening for regulated identity-verification programs. These checks are configured as part of the document/biometric verification flow and can be combined with existing verification logic.

Compliance Check Types​

  • Document Authentication: Validates authenticity of government- or state-issued photo IDs.
  • Liveness Check: Helps protect against digital spoof and deepfake attacks by comparing a real-time selfie to the provided identity evidence.
  • Name Comparison Check: Compares directory/profile name values against extracted document name values.
  • AML Checks: Screens users against sanctions/watchlist data sources.
  • OFAC Checks: Screens users against regulatory and law-enforcement monitored lists.
  • Report Visibility for Requester: Optionally exposes relevant verification report outcomes to end users.

Configurability Options​

  • Retry Limits:

    • Configure maximum retry attempts (default 1)
    • Configure retry time window in minutes (0–60, in 5-minute increments)
    • Use this to limit repeat attempts on failed verification steps

  • Failure Outcomes:

    • Deny verification
    • Escalate to Live Chat
    • Continue workflow
    • Redirect to URL

Tenant enablement and data source​

KYC compliance screening is enabled per-tenant by HYPR. Contact your HYPR representative if the AML/OFAC controls are not visible in your Control Center; the canonical flag identifier is in the Feature Flags Reference.

When enabled:

  • AML/OFAC screening controls become available in the Affirm workflow editor
  • HYPR retrieves Watchlist Standard reports from the underlying Onfido verification service
  • Screening and identity checks are evaluated and recorded per workflow instance, with results surfacing in the same Activity Log and Audit Trail as the rest of the verification flow