Biometric ID + AML Results | Unity Onboarding

Modified on Thu, 19 Dec, 2024 at 7:01 PM

This article walks you through results available via the Unity Onboarding + KYC, if you are looking for help for the Unity Client ID Verification product, please view the resources here. If you are looking for help for the Unity PMS product, please view the resources here.

Biometric ID + AML Results

Once completed by an individual, the following results will appear to you for the Biometric ID + AML journey:

Liveness
Biometric Identity Document
UK Address & Mortality datacheck
PEPs & Sanctions Screening

This article discusses each result in more detail. If your clients need help completing their checks, they can view our guides and videos here.

Section 1: Identity Document & Liveness Results

Liveness Results

Your identity results will be split into two sections - Liveness & Identity Document Results.

For liveness, you will be presented with one of two overall results:

Result	Description
Pass (green)	We have been able to confirm the individual is live and present when completing their check.
Pending (orange)	We have not been able to confirm the individual is live and present when completing their check so we have asked them to complete a pose for you to review.

If the individual does not pass the passive liveness check, they will be asked to do a pose to confirm their liveness. If this result is pending, you will need to review this pose yourself.

To review the liveness selfie, click into the 'Liveness' tab and review the Unique Action protocol (pose) that the individual has completed. You can then update the status by clicking 'select status' and entering a comment. If you are unsure what result to give the individual, please speak to your compliance team to understand your internal compliance policies.

Identity Document Results

For the Identity Document Results, you will be presented a list of checks that have been run on the Identity Document and whether these have passed, failed or not performed. These checks are outlined below:

Check	Description
Facial Match	This checks whether the face on the Identity Document matches the face in the liveness image.
Visual Analysis	This checks whether the document is a valid Government-issued Identity Document. - This check is only performed if a NFC scan is not attempted.
Name Match	This checks whether the name on the Identity Document matches the name on the invitation.
Date of Birth Match	This checks whether the date of birth on the Identity Document matches the date of birth on the invitation.
NFC Result	This checks whether we were able to complete an NFC read on the passport.
Age Validation Result	This checks whether the date of birth on the Identity Document confirms the holder is at least 16 years of age. - This check is only performed if a NFC scan is not attempted.
Police Record	This checks whether the Identity Document has been recorded on the UK Metropolitan 'Amberhill' Police Database as lost, stolen or compromised. - This check is only performed if a NFC scan is not attempted.
Compromised Alert	This checks whether the Identity Document is publicly available as compromised on national databases of reported compromised documents. - This check is only performed if a NFC scan is not attempted.
Repeated Attempts Alert	This checks whether the Identity Document has been submitted previously but with different information, such as with a different face or passport number. - This check is only performed if a NFC scan is not attempted.

If the Identity Document result comes back as referred or failed, you will need to carry out your own due diligence to confirm the individuals identity, or send the individual a new check for them to try again. For more information on understanding Identity Document results, please click here.

Section 2: Address & Mortality Results

For Address & Mortality you will be presented with one of two overall results:

Result	Description
Pass	We have been able to confirm that there is evidence from the UK Credit Database and UK Electoral Roll that the individual lives at the address in question.
Pending	We have not been able to confirm that the individual lives at the address in question.

Our Address & Mortality checks will check the individuals name, address & date of birth against the UK Credit Reference Agency, UK Credit Databases and UK Electoral Roll sources to confirm their address. The individuals name & address will also be checked against the UK Deceased Person's Record.

To pass the check the individual's name and date of birth has to be found at the address (with a match on the electoral roll and credit database), cannot be flagged as deceased or someone who has moved out (change of address).

If the overall result appears as 'Pending', you will be presented with the areas that did not match against the UK Credit Database & Electoral Register. For these cases you will need to carry out your own due diligence to confirm the individual's address as we have been unable to verify this.

For more detail on how to read your Address & Mortality results with examples, please click here.

Section 3: PEPs & Sanctions Results

For PEPs & Sanctions checks you will be presented with one of two overall results:

Result	Description
Pass	We have not found any possible PEPs & Sanctions matches for the individual
Pending	We have found possible PEPs & Sanctions matches to the individual.

If the overall result appears as 'Pending', you will be presented with all the possible matches to your client. For these cases you will need to investigate and remediate the results and confirm if the possible matches are your client.

If available, we will provide the following information for you to help you decide if the possible matches are your client:

- An image of the individual who has appeared as a possible match

- The possible matches full name

- The possible matches date of birth

- The possible matches nationality

- The possible matches gender

You will then be presented with a table outlining the reason for the flag. For more details on the PEPs & Sanctions results, please click here.

Need help?

If you have any questions please reach out to our support team by logging a support ticket!

We are committed to continually improving our support resources for you. We would greatly appreciate your feedback below to help us enhance your experience.