Understanding your PDF & Results | Unity PMS

Modified on Wed, 13 Aug at 4:27 PM

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Understanding your PDF Results

You will receive a PDF of the results. This PDF will provide you with an overview on how to understand your results. give you an overall result for the Address & Mortality and PEPs & Sanctions checks, as well as providing you with details explaining the result.

If you have run an Instant AML you will see two results appear:

Address & Mortality (section 2 below)
PEPs & Sanctions (section 3 below)

If you have run a Biometric ID + AML you will see four results appear:

Identity Document & Liveness (Section 1 below)
Address & Mortality (section 2 below)
PEPs & Sanctions (section 3 below)

If you have run a Safe Harbour Purchaser you will see four or five results appear:

Identity Document & Liveness (Section 1 below)
Address & Mortality (section 2 below)
PEPs & Sanctions (section 3 below)
Safe harbour will appear if the individual has indicated they have an e-chip within their passport (Section 5 below).

If you have run a Safe Harbour Vendor you will see five or six results appear:

Identity Document & Liveness (Section 1 below)
Address & Mortality (section 2 below)
PEPs & Sanctions (section 3 below)
Supporting Documents (section 4 below)
Safe harbour will appear if the individual has indicated they have an e-chip within their passport (Section 5 below).

Please click here to view an annotated sample PDF report for 'Instant AML' outlining some of the results you may see.

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	We have been able to confirm the individual is live and present when completing their check.
Pending	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.

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

1. Pass - This means 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.

2. Pending - This means we have not 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. For cases such as this, we recommend carrying out your own due diligence to confirm the individual's address as we have been unable to verify this.

Your results will then be split into two areas:

1. Mortality Check

2. Address Check

Mortality

For the Mortality check, you will see a table outlining whether we have matched the individual to that address as being deceased, or if there is no match, as they have not been registered as deceased at that address.

You will then have a list of remarks, which provide you with where the information has come from. In the example above, there are no records on the UK Deceased Person's database that this individual has been recorded as deceased at that address.

Address

For the Address results, you will be presented with a table outlining what sources have been matched for the individual at the address.

Matched means we have been able to match that area with the individual.
No match means we have not been able to match the individual to that address for that area of the check.

You will then have a list of remarks showing which sources have been able to be matched or not. These remarks will highlight the reason for either the pass or the pending result for the address check.

A green tick means the source has been matched and passed.
An orange exclamation mark means either there is no information from the source available
A red exclamation mark means there is no match to that individual at the address specified, for example if a red exclamation mark appears from the credit database. This means there is no record for the individual at the address from the credit database that they are currently living there; hence the result being 'pending' and needing you to manually complete your own due diligence.

Please see the below common examples to help you understand why the address check may return as pending.

Example One

In the example below, the individuals full name could be matched to the address by both the Electoral Register and Credit Database. Whilst the Electoral Roll had no information to confirm the individuals date of birth, the date of birth has been able to be matched via the Credit Database leading to an overall pass.

Example Two

In the example below, the individuals full name was able to be matched against the Electoral Roll but there were no records matching the individual from the Credit Database for their name or date of birth. This has led to an overall pending of the result, as we could not fully confirm the individual lives at the address.

Example Three

In the example below, whilst the Electoral Roll has confirmed this is a real address. There are no matches to the individual's name or date of birth from either the Electoral Roll or Credit Database that the individual lives there.

Section 3: PEPs & Sanctions Results

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

1. Pass - This means we have not found any possible PEPs & Sanctions matches to the individual.

2. Pending - This means we have found possible PEPs & Sanctions matches to the individual. For these cases you will need to investigate and remediate the results and confirm if the possible matches are your client.

If the overall result appears as 'Pending', you will be presented with all the possible matches to 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 information on what each check means, please click here.

Example

In the example below, the possible match has been flagged as a current and former PEP tier 1.

You will then need to investigate these results and confirm if any of the possible matches flagged are your client, and if so, complete a risk assessment on the individual. If you are unsure on the next steps, we recommend speaking to your compliance officer/MLRO for clarity.

Section 4: Linking Documents (Supporting Documents) Results

A requirement for Safe Harbour checks is that the Vendor must present two linking documents to the property they are selling. These will appear to you within the PDF.

These will always appear as 'Pending', as you will need to review these documents yourselves. For more information on what linking documents can be accepted for Safe Harbour standards, please click here.

Section 5: Safe Harbour Results

Whilst we will present you the information you need for Safe Harbour within the PDF, the Safe Harbour result will always appear as pending. This is because you will need to make the decision if the check has met Safe Harbour requirements.

Within the Safe Harbour section of the PDF, you will be presented with the individual's passport with the associated results as well as the linking documents again.

If you need help understanding what meets the Safe Harbour standard, please click here.

For the passport results, you will see the 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.
NFC result	This checks whether we were able to complete an NFC read on the passport.

You can see an example of how this will appear on the PDF below, in this example every check has passed. As mentioned in the results table above, visual analysis will only be performed if the NFC check was not completed.

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