What are PassFort's checks?

What are checks?

Use checks to help pass the due diligence tasks on a profile’s product application.

Checks replace the manual work that would otherwise be needed to get information from data providers (e.g. gather all company filings from a corporate registry) or perform actions using data providers (e.g. run an electronic identity check).

There is a set list of checks that can be used for each task.

For example, there are two checks available for the Verify identity task (which confirms an individual is who they say they are):

  • Electronic identity check: Establishes a digital paper trail for an individual.
  • ID verification: Confirms whether an individual’s proof of identity documents are valid.

When configuring your account, you choose which checks are enabled for your tasks.

Below is a list of every check you can use, along with the associated tasks.

What are check variants?

Each check you enable must have at least one check variant.

A check variant specifies:

  1. Which data provider is used to run the check.
  2. Whether any additional configuration options are applied to the check.

When a checks has multiple variants, you can choose which variant you want to use. So, for example, you might choose to run a variant with a different data provider if the first variant you try doesn’t work.

When a check configured to run automatically has multiple variants, you specify which variant is tried first. You also have the option to configure the variants so that if the first one fails, returns an error, or returns a partial match, another is tried automatically, and so on. This is called waterfalling your check variants.

To learn which check variants can return partial matches and/or fail, see the data provider configuration articles below.

Additionally, you can specify that the check variant (and waterfall) is determined by the profile’s country. For example, you could specify that when the Company filings check is performed on a company incorporated in the UK, Companies House is always used as the data provider.

Every time a check variant is run, a permanent record of the information used to run the check variant and the results returned from the data provider are kept on the task, so you always know what happened to a profile. To learn more about how the check results are displayed, see the descriptions for each check below.

The data provider determines which configuration options are available for the check. The links to the data provider configuration articles below explain, in detail, how each data provider handles the check (including what information is sent to the data provider and what causes the check to pass, fail, or return a partial match by default) and which configuration options are available.
The configuration options to determine whether checks are run automatically and whether they cause tasks to pass automatically are set at the task level. Learn more about task configuration options.

Checks for individual profiles

Bank account verification using a CRA

Used for the Verify bank account task.

This check confirms whether an individual’s bank account and personal details are correct and associated with a legitimate bank account.

The check is performed by cross-referencing the individual’s details with the data provider’s credit rating agency (CRA).

The possible results for this check are Passed, Failed, and Error.

The result details display any information that was successfully matched in the CRA.

For more information about the check variant, see the data provider article:

API name:CRA_BANK_ACCOUNT_VERIFICATION

Device fraud detection

Used for the Assess device reputation task.

This check assesses whether the individual's device is reputable.

This check is performed by sending the device details to the data provider who checks for signs of fraud.

The possible results for this check are Passed, Review, Failed, or Error.

The result details show the total transaction score, the matched rules, and any device and IP location information returned from the data provider.

It is not possible to configure the Device fraud detection check to run automatically.
The Device fraud detection check does not have ongoing monitoring.

To learn about the check variants, see the data provider article:

API name: DEVICE_FRAUD_DETECTION
This check can only be performed via the API. Get the developer guide to running a Device fraud detection check.

Electronic identity check

Used for the Verify address and Verify identity tasks.

This check verifies an individual’s address by establishing a digital paper trail for the individual.

The check is performed by searching for the individual in the sources supplied by the data provider (e.g. electoral rolls, credit databases, national identity registers, and telephone directories).

The check details display:

  • The overall result. A 2+2 result indicates the details were matched in 2 sources. A 1+1 result indicates the details were matched in 1 source.
  • The information that was successfully matched in the data provider’s sources. Any matches contributing to the overall result are highlighted.
  • All sources that were searched. To see sources that did not return any matches, click Show database results with no matches.
The data provider’s sources may vary per jurisdiction. Speak to your data provider to learn more about which sources they use for electronic identity checks.

The check variant determines when the check is Passed, Partial match, or Failed (e.g. the check may Pass when a 2+2 result is returned or when a 1+1 result is returned, depending on your options).

To learn about the check variants, see the data provider articles:

API name:IDENTITY_CHECK

ID verification (PassFort collects documents)

Used for the Verify address and Verify identity tasks.

This check confirms whether an individual’s proof of identity document is valid.

You upload an individual's document to PassFort. PassFort submits the document to the data provider who checks for signs of forgery.

The data provider also extracts the customer’s details from the document and those details are cross-referenced with the profile’s details to ensure they match.

Some data providers perform additional actions before the task is passed (e.g. police checks and selfie checks). Contact your data provider to find out what services they offer.

The possible results for this check are Passed or Failed. The check variant determines when each result is returned.

The result details display an image of the document.

To get the step-by-step instructions for running this check, see Verify a document.

To use this check to verify an individual’s address, ensure that: 1. The documents provided contain proof of address as well as proof of identity (e.g. a driver’s license). 2. Your data provider extracts addresses from documents. It's not possible to use this check with Onfido on the Verify address task because Onfido does not extract addresses from documents.
This check is run manually. It cannot be configured to run automatically.
Some data providers offer services that check the quality of photos of documents to ensure they’re clear enough to be analysed. Where possible, we recommend using ID verification (service collects documents) instead of ID verification (PassFort collects documents) because it enables these services to be used. Contact your data provider to find out what services they offer.

To learn about the check variants, see the data provider articles:

API name:DOCUMENT_VERIFICATION

ID verification (service collects documents)

Used for the Verify address and Verify identity tasks.

This check confirms whether an individual’s proof of identity documents are valid.

The customer submits their documents to the data provider who checks for signs of forgery.

The data provider also extracts the customer’s details from the document and those details are cross-referenced with the profile’s details to ensure they match.

Some data providers perform additional actions (e.g. police checks and selfie checks). Contact your data provider to learn what services they offer.

The possible check results are Passed or Failed. The check variant determines when each result is returned.

The result details display an image of the document and any information extracted from the document.

To use this check to verify an individual’s address, ensure that: 1. The documents contain proof of address as well as proof of identity (e.g. a driver’s license). 2. Your data provider extracts addresses from documents. It's not possible to use this check with Onfido on the Verify address task because Onfido does not extract addresses from documents.
This check is run manually. It cannot be configured to run automatically.

To learn about the check variants, see the data provider articles:

API name:DOCUMENT_FETCH

PEPs and sanctions screening

Used for the Assess PEPs and sanctions and Assess PEPs, sanctions, and adverse media tasks.

This check provides a list of an individual's potential matches to sanctioned persons, politically exposed persons (PEPs), and (if you have access to adverse media results through your data provider) instances of adverse media.

The check is performed by screening the individual through the data provider’s official sanctions lists and sources.

The possible check results are Completed or Unresolved events. The check variant determines when each result is returned.

The result details display two lists:

  1. Potential matches: The potential matches returned by the data provider. You can choose to ignore any match on this list.
  2. Ignored matches: The matches you have chosen to ignore. If you’re using PassFort’s false positive reduction service, any false positive matches are also displayed here. You can choose to confirm any match on this list.

Click the name of any match (potential or ignored) to see a detailed portfolio that provides all available information from the data provider about the match’s biography, associates, political exposure, events, and sources.

If there are no potential matches for the individual, the check results display a message saying: “There are no potential matches to investigate”.

Some data providers offer additional services to filter out false positives. If you’re using one of these services, false positives identified by your data provider aren’t displayed at all in PassFort. Contact your data provider for more information about how they determine false positives and where you can see them.

To learn about the check variants, see the data provider articles:

API name:PEPS_AND_SANCTIONS_SCREEN

Visa check

Used for the Verify immigration status task.

This check confirms whether an individual’s personal details and passport details are correct and associated with a valid work or study visa.

The check is performed by searching for the individual in the data provider’s database.

The possible check results are Passed or Failed. The check variant determines when each result is returned.

The result details display information about the visa.

It is not possible to configure the Visa check to run automatically.

To learn about the check variant, see the data provider article:

Each check variant with vSure can only be used to search for either work visas or study visas. To use vSure to search for both, set up one check variant with each, then configure the check variants as a waterfall.
API name:VISA_CHECK

Checks for company profiles

Charities registry check

Used for the Identify trustees and Verify charity details tasks.

This check provides basic information about a charity (e.g. charity commission number, registration date, company number, areas of activity, and total expenditure).

The check is performed by searching for the charity in the registry the data provider is using for the charity’s jurisdiction.

The possible check results are Passed or Failed.

The result details are displayed differently for each task.

On the Identify trustees task, the result details display a list of key decision makers at board level (e.g. chairs and secretaries) and any information available from the data provider about their roles, the dates they were appointed, and the dates they resigned.

You can add any of these trustees to the Trustee verification list, where you can verify and approve them. Learn more about adding, reviewing, and approving trustees.

On the Verify charity details task, the check result details display a list of all the information retrieved about the charity.

To learn about the check variants, see the data provider articles:

API name:COMPANY_CHARITIES_REGISTRY

Company data check

Used for the Identify officers, Identify shareholders, and Verify company details tasks.

This check provides basic information about a company (e.g. name, date of incorporation, officers, and shareholders).

This check returns similar information to the Company registry check and the Company ownership check combined.

The check is performed by requesting a report about the company from the data provider. The data provider compiles this report by gathering information from their sources for the company's jurisdiction.

The check results display differently for each task.

On the Identify officers task, the possible check results are Completed, Partial match, or Failed. The result details show a list of all the company officers found in the registry and any available information about their roles, the dates they were appointed, the dates they resigned, their dates of birth, and their nationalities.

You can add any of these officers to the Officers verification list, where you can verify and approve them. Learn more about adding, reviewing, and approving officers.

On the Identify shareholders task, the possible check results are Completed, Partial match, or Failed. The result details show a list of shareholders and any available information about their share percentage, share details, registration number, date of birth, and nationality.

You can add any of these shareholders to the Shareholders verification list, where you can verify and approve them. Learn more about adding, reviewing, and approving shareholders.

When Creditsafe Company Data API is the data provider, the names and share percentage of every shareholder is returned. Any available information about registration number, nationality, and date of birth is returned for the 50 shareholders with the largest shareholdings.
When Companies House is the data provider, only Persons of Significant Control (PSCs) are returned to the Identify Shareholders task.
Because BREX the kompany API does not return shareholder information, if you're using a check variant with BREX configured as the data provider, a message is always displayed on the Identify shareholders task saying, "No shareholders found in check result".

On the Verify company details task, the possible check results are Passed, Partial match, or Failed. The result details show a list of all the information retrieved about the company.

To learn about the check variants, see the data provider articles:

Company filings retrieval

Used for the Review company filings task.

This check lists all documents available in a corporate registry and imports the documents where possible.

The check is performed by searching for the company in the registry the data provider is using for the company’s jurisdiction.

The possible check results are Passed or Failed.

The result details display the names of all the documents, along with any other information that’s available about them (e.g. filing date, description).

All free documents are imported and you can view them.

All paid documents have the cost displayed and the option to purchase them. Once purchased, the documents are imported so you can view them.

The registry’s jurisdiction often determines the amount of information and the quality of data available online. Digital first jurisdictions (e.g. the UK) are likely to provide a large number of documents whereas other jurisdictions may only provide a few and the data may be unstructured.

To learn about the check variants, see the data provider articles:

When this check is run via the API, there is one check to retrieve the names and details of the company filings (COMPANY_FILINGS) and another check to purchase a company filing (COMPANY_FILING_PURCHASE).

Company ownership check

Used for the Identify shareholders task.

This check provides a list of a company’s shareholders. Which shareholders are provided depends on your data provider and the company’s business type (e.g. private vs public), but it might be a complete list of owners or a list of the most important shareholders.

The check is performed by searching for the company in the data provider’s sources.

The possible check results are Passed, Partial match, or Failed.

The result details display a list of shareholders and any available information about their share percentage, share details, dates of birth, and nationality.

You can add any of these shareholders to the Shareholders verification list, where you can verify and approve them. Learn more about adding, reviewing, and approving shareholders.

To learn about the check variants, see the data provider articles:

API name:COMPANY_OWNERSHIP

Company registry check

Used for the Identify officers and Verify company details tasks.

This check provides basic information about a company (e.g. name, date of incorporation, officers).

The check is performed by searching for the company in the registry the data provider is using for the company’s jurisdiction.

The possible check results are Passed, Partial match, or Failed.

The result details display a list of all the company officers found in the registry and any available information about their roles, the dates they were appointed, the dates they resigned, their dates of birth, and their nationalities.

You can add any of these officers to the Officers verification list, where you can verify and approve them. Learn more about adding, reviewing, and approving officers.

The basic company information (e.g. name, date of incorporation) is imported into the profile data.

To improve the accuracy of search results for company names, common abbreviations for company types are also searched and considered matches. For example, if 'Acme LTD' is searched and 'Acme Limited' is found, it’s considered a match.

To learn about the check variants, see the data provider articles:

API name:COMPANY_REGISTRY

Document verification

Used for the Verify bank account, Verify company details and Verify tax status tasks.

This check confirms whether a company’s document is valid.

You upload the company’s documents to PassFort. PassFort submits the documents to the data provider who assigns a specialist to manually check whether the documents are valid.

Some data providers offer services where the specialist gathers additional information. If you’re using one of these services, any additional information gathered by the specialist is imported into PassFort. Contact your data provider to find out what services they offer.

The possible check results are Passed or Failed.

The result details display an image of the document.

To learn about the check variant, see the data provider article:

API name:COMPANY_DOCUMENT_VERIFICATION

Sanctions and adverse media screening

Used for the Assess sanctions and Assess sanctions and adverse media tasks.

This check provides a list of a company’s potential matches to sanctioned companies and (if you have access to adverse media results through your data provider) instances of adverse media and/or PEPs matches.

Individuals associated with the company are not screened as part of this check. To screen individuals automatically, create an associated smart policy for the task that has the PEPs and sanctions screen check.

The check is performed by screening the company through the data provider’s official sanctions lists and sources.

The possible check results are Completed or Unresolved events. The check variant determines when each result is returned.

The result details display two lists:

  1. Potential matches: The potential matches returned by the data provider. You can choose to ignore any match on this list.
  2. Ignored matches: The matches you have chosen to ignore. If you’re using PassFort’s false positive reduction service, any false positive matches are also displayed here. You can choose to confirm any match on this list.

Click the name of any match (potential or ignored) to see a detailed portfolio that provides all available information from the data provider about the match’s biography, associates, political exposure, events, and sources

If there are no potential matches for the individual, the check results display a message saying: “There are no potential matches to investigate”.

Some data providers offer additional services to filter out false positives. If you’re using one of these services, false positives identified by your data provider aren’t displayed at all in PassFort. Contact your data provider for more information about how they determine false positives and where you can see them.

To learn about the check variants, see the data provider articles:

Adverse media results are not supported for Dow Jones Watchlist.
API name:COMPANY_PEPS_AND_SANCTIONS_SCREEN


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