Verifying customers

Learn how to verify customers as part of onboarding and ongoing due diligence.

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In FrankieOne your customers are represented by the Entity object. You can perform KYC, AML and fraud checks on a potential customer undergoing onboarding using the Create and Verify Entity API.

A potential customer must pass each of the checks specified, either explicitly or as part of the Entity Profile, as a minimum before their profile can reach a Passed status and they can open an account.

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Names with apostrophes

When entering names with apostrophe, make sure to use the correct punctuation mark. Never use a single quotation mark for an apostrophe. This would result in checks not being run because of entry formatting being incorrect.

Create and verify a new entity

To create a new entity and immediately perform verification checks:

curl https://api.demo.frankiefinancial.io/compliance/v1.2/entity/new/verify/profile/full \
  -X POST \
  -d '{
    "entity": {
      "entityProfile": "safe_harbour",
      "entityType": "INDIVIDUAL",
      "name": {
        "familyName": "TESTFORTY",
        "middleName":"Z",
        "givenName": "STACY"
      },
      "dateOfBirth": {
        "dateOfBirth": "1989-01-01"
      },
      "addresses": [
        {
          "addressType": "RESIDENTIAL1",
          "country": "AUS",
          "postalCode": "7140",
          "state": "TAS",
          "unitNumber": "",
          "streetNumber": "9",
          "streetName": "THE AVENUE",
          "town": "ELLENDALE"
        }
      ],
      "gender":"F",
      "extraData": [
        {
          "kvpKey": "consent.general",
          "kvpValue": "true",
          "kvpType": "general.bool"
        },
        {
          "kvpKey": "consent.docs",
          "kvpValue": "true",
          "kvpType": "general.bool"
        },
        {
          "kvpKey": "consent.creditheader",
          "kvpValue": "true",
          "kvpType": "general.bool"
        },
        {
          "kvpKey": "customer_reference",
          "kvpValue": "cust_001",
          "kvpType": "id.external"
        }
      ],
      "identityDocs": [
        {
          "country": "ESP",
          "idType": "PASSPORT",
          "idNumber": "J64407008"
        }
      ]
    }
  }'

Re-verify an existing entity

You can re-verify an existing entity using the same API. Pass the ID of the entity in the path instead of new:

curl -X POST https://api.demo.frankiefinancial.io/compliance/v1.2/entity/YOUR_ENTITY_ID/verify/profile/full

Re-verifying an entity will re-use any previous check results if they are still valid, rather than performing the checks again.

See verification results

Through the API

Verification results are returned in the response of the Create and Verify Entity API. You must specify a resultLevel parameter indicating the level of detail you with to receive.

To request simple verification results:

curl -X POST https://api.demo.frankiefinancial.io/compliance/v1.2/entity/new/verify/profile/simple

To request full verification results:

curl -X POST https://api.demo.frankiefinancial.io/compliance/v1.2/entity/new/verify/profile/full

Through the Portal

The result of the checks run against a potential customer is displayed under the Overview tab of a customer’s profile.

Updated 5 months ago