Sometimes, a user’s identity verification will be paused and flagged for manual review.
This can happen when there is a match higher than your set sensitivity in an anti-money laundering database.
This doesn’t always mean the user has done something wrong, but it does mean you should do extra checks before they can use your service.
What this means
When there's a high match on an AML list, Vouchsafe doesn't automatically approve or reject the user. Instead:
The case is marked "needs review" and you will get an admin email notification
The user is told they may need to verify themselves another way
What you need to do
To move forward, you should collect additional evidence from the user to make sure they are not the same entity that has been flagged.
For example, if the entity is a US citizen, you could collect proof of UK citizenship instead.
This helps meet enhanced due diligence (EDD) requirements, as recommended by AML regulations.
You can do this by setting up a separate EDD verification flow in Vouchsafe to ask for extra supporting documents. For example, you might ask for:
Further photo ID
A number of utility bills or bank statement
A vouch from a professional referee
You can create a new flow from your Flows tab, or edit an existing one to include these steps.
Need more help? We can help you design an enhanced due diligence process to suit your risk profile and sector. Contact [email protected] with the subject line "Enhanced due diligence"