KYC/AML Products | Unity Onboarding

Modified on Mon, 9 Dec, 2024 at 11:07 AM

This article walks you through checks 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.

KYC/AML Products

This article discusses the products & checks available on Unity Onboarding + KYC, if you are using Unity Practice Management or the Unity Client ID Verification tile, please click the links above to be taken to the support resources for those products.

Safe Harbour Vendor

Developed in collaboration with HMLR, the Credas Safe Harbour standard check requires the vendor to:

Capture their Passport & liveness
Scan their passport NFC
UK Address & Mortality Check
International PEPs & Sanctions Check
Provide two linking documents to their property in accordance with HMLR's guidelines

If the client does not have a e-passport, they will be able to upload other Identity Documents instead. However this will not satisfy Safe Harbour standards and Safe Harbour will not appear in your results.

This check is now only available via our app, leading to higher rates of completion because Credas' has a market leading IDV app, which has over 265,000 reviews and an average 4.6/5 stars rating, your customers will be able to verify their identity from anywhere in the world, at any time.

Safe Harbour Purchaser

Similarly, the purchaser version of the Safe Harbour ensures thorough vetting for all transactions and requires the purchaser to:

Capture their Passport & liveness
Scan their passport NFC
UK Address & Mortality Check
International PEPs & Sanctions Check

Biometric ID + AML Check

This journey is an alternative check that can be used for clients who do not have a smartphone and cannot use the Credas App, cannot satisfy HMLR's Safe Harbour standards or for all other conveyancing matters that do not fall under purchasing or selling a property. This journey allows completion fully via the web or the Credas App and includes:

Capture their Identity Document & liveness
UK Address & Mortality Check
International PEPs & Sanctions Check

Source of Funds

Credas' Source of Funds solution simplifies the process of gathering and analysing financial information using Open Banking. Customers can upload evidence or connect directly with their bank, depending on the Source of Funds.

Ongoing Monitoring

One of the key benefits of directly integrating Credas into the Unity Onboarding product is that we can now include Ongoing Monitoring as part of the solution. Credas' OGM solution will automatically screen your customers against the latest international PEPs & Sanctions lists for six months and notify you of any changes in circumstances via email. Our enhanced OGM offering helps you stay compliant while reducing both your administrative burden and costs.

TA Forms

We have a selection of TA Forms that you can send out to your clients, allowing for multi-signatories so all your needs are covered.

Client Care Letters

We offer the ability to send out bespoke client care letters to your clients as part of their onboarding, allowing you to keep all your administrative tasks in one platform.

Need help?

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

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