KYB - Business Screening

Trulioo Business Watchlist is a watchlist screening service that performs Sanctions, and Adverse Media checks for Businesses. This watchlist service ensures customers’ userbases are at the lowest risk of sanction list presence, fraud, money laundering, corruption, financial crimes, and terrorism.

One of the most complete watchlist services on the market, Trulioo Watchlist is the AML compliance solution of choice for the world’s largest global marketplaces, financial institutions, and trading platforms. Fully integrated into the Trulioo Platform, Watchlist connects to customers’ KYB onboarding journeys via a single API to screen and monitor their users against 6,000+ global watchlists and 20,000+ Adverse Media lists at the point of onboarding and continuously thereafter.

How Trulioo Watchlist Checking Works

Trulioo Watchlist uses the same request structure as the rest of Trulioo allowing users to receive both the Watchlist and KYB results in a single API Call
Trulioo checks the request information against a multitude of global watchlist and adverse media sources worldwide
If there is a potential match or a “hit” on the watchlist, further detail is shown in the appended fields
The detailed information provided lets clients determine the applicability of the watchlist hit and determine their next steps
Trulioo clients who enable the Trulioo Watchlist with their verification services receive two distinct sets of data per identity-check. The first verifies the identity of a business and the second checks against a multitude of government sanction lists and adverse media world

Trulioo Watchlist Information

Main Body Parameters

Response Element	Element Description
TransactionRecordID	An ID returned for all searches for rec troubleshooting purposes
WatchlistState	An element to show overall status of the Watchlist search, possible values are: `Potential Hit` `No Hit`
WatchlistData	An element to show a detailed view of Watchlist search results per category, possible values are: `num_WL_hits` `num_AM_hits`
WatchlistHitDetails	Detailed view of search hits

WatchlistState Parameters

Response Element	Element Description
Potential Hit	Based on the client's configuration, this name is present on the lists searched. The results might potentially be the entity being screened.
No Hit	Based on the client's configuration, this name is not present on the lists searched. The entity being screened is likely not on the list searched

Watchlist Results Parameters

Response Element	Element Description
Score	The calculated relevancy match percentage.
Subject Matched	The name matched for this document
EntityName	Individual's name.
SourceListType	Name of the agency which represents the source of the record.
SourceRegion	The geographic region of the source containing the result record.
Remarks	Any pertinent remarks about the searched subject that the source chose to highlight.
Caution	Any known alerts/sanctions/issues related to the subject.
URL	Web URL for article source.

AdverseMedia Results Parameters

Response Element	Element Description
Score	The calculated relevancy match percentage.
SubjectMatched	The name matched for this document
Text	Any associated unstructured text.
URL	Web URL for article source.

Business Watchlist Screening

Trulioo Watchlist Request

Trulioo's watchlist service is integrated into Trulioo's verification services. Customers using our Business identity solutions do not need to make any changes to their request structure except to add the VerboseMode parameter.

Prerequisites

Before you get started, make sure you have either a NAPI user account or a Trulioo Portal account.
You have existing knowledge of the Trulioo Platform API.
You have tested your credentials using the Test Authentication call.
You are aware of what fields and countries you are configured for from the Integration Guide

API Endpoint

For ease of integration, our Watchlist Screening product is integrated into the same Trulioo endpoint as our Person Match and Business Verification products. In addition, Watchlist Screening can be configured to run as part of a Person Match/Business Verification transaction or a separate screening-only check.

<<endpoint>>/verifications/v1/verify

Sample API Request

{
  "AcceptTruliooTermsAndConditions": true,
  "ConfigurationName": "Identity Verification",
  "ConsentForDataSources": [],
  "CountryCode": "UK",
  "DataFields": {
    "Business": {
      "BusinessName": "Gringotts Wizarding Bank"
    }
  },
  "VerboseMode": true
}

POST /verifications/v1/verify HTTP/1.1
Host: <<endpointLink>>
Authorization: Basic ACCESS_TOKEN
Content-Type: application/json

{
"DataFields": {
    "PersonInfo": {
        "FirstGivenName": "Vladimir",
        "FirstSurName": "Putin",
        "DayOfBirth": 7,
        "MonthOfBirth": 10,
        "YearOfBirth": 1952
    }
},
"AcceptTruliooTermsAndConditions": true,
"CountryCode": "US",
"VerboseMode": "True"
}

OkHttpClient client = new OkHttpClient().newBuilder()
  .build();
MediaType mediaType = MediaType.parse("application/json");
RequestBody body = RequestBody.create(mediaType, "{\r\n\"DataFields\": {\r\n    \"PersonInfo\": {\r\n        \"FirstGivenName\": \"Vladimir\",\r\n        \"FirstSurName\": \"Putin\",\r\n        \"DayOfBirth\": 7,\r\n        \"MonthOfBirth\": 10,\r\n        \"YearOfBirth\": 1952\r\n    }\r\n},\r\n\"AcceptTruliooTermsAndConditions\": true,\r\n\"CountryCode\": \"US\",\r\n\"VerboseMode\": \"True\"\r\n}");
Request request = new Request.Builder()
  .url("<<endpoint>>/verifications/v1/verify")
  .method("POST", body)
  .addHeader("Authorization", "Basic ACCESS_TOKEN")
  .build();
Response response = client.newCall(request).execute();

Trulioo Watchlist Response

To see the WatchlistHitDetails Object you must set VerboseMode:true in the request.

Sample API Response

{
    "TransactionID": "cab59115-2885-44b9-bb93-9dc584839349",
    "UploadedDt": "2022-08-15T05:20:49",
    "CompletedDt": "2022-08-15T05:20:54",
    "CountryCode": "CA",
    "ProductName": "Identity Verification",
    "Record": {
        "TransactionRecordID": "202e67ff-28fb-ea9a-d325-d7af3245b0ea",
        "RecordStatus": "nomatch",
        "DatasourceResults": [
            {
                "DatasourceName": "Advanced Business Watchlist",
                "DatasourceFields": [],
                "AppendedFields": [
                    {
                        "FieldName": "WatchlistState",
                        "Data": "Potential Hit"
                    },
                    {
                        "FieldName": "WatchlistData",
                        "Data": {
                            "num_WL_hits": 2,
                            "num_AM_hits": 2
                        }
                    },
                    {
                        "FieldName": "WatchlistHitDetails",
                        "Data": {
                            "WL_results": [
                                {
                                    "score": 1.0,
                                    "subjectMatched": "Gringotts Wizarding Bank",
                                    "entityName": "Gringotts Wizarding Bank",
                                    "sourceListType": "FEDERAL - Fine - Breached Sanctions",
                                    "sourceRegion": "United Kingdom",
                                    "remarks": "Posted Date: 12/19/1973 | Letter Issue Date: 07/26/1973 | Subject: Breached Sanction Violation",
                                    "caution": "The Gringotts Bank violated the Ministry of Magic sanctions and lent out a sum of 10,000 galleons to the Death Eaters for their marketing initiative",
                                    "URL": "https://harrypotter.fandom.com/wiki/Gringotts_Wizarding_Bank"
                                },
                                {
                                    "score": 0.95,
                                    "subjectMatched": "Gringotts Bank",
                                    "entityName": "Gringotts Banks",
                                    "sourceListType": "MOM - Enforcement - Insufficient Security",
                                    "sourceRegion": "United Kingdom",
                                    "remarks": "Issuance Date: 1991-07-31",
                                    "caution": "The Gringotts Bank has been fined 1,000 galleons by the Ministry of Magic for poor compliance and security and allowing the theft of an object of national importance",
                                    "URL": "https://harrypotter.fandom.com/wiki/Break-in_of_Gringotts_Wizarding_Bank_(1991)"
                                }
                            ],
                            "AM_results": [{
                                    "score": 0.95,
                                    "subjectMatched": "Gringotts Bank",
                                    "text": "Investigations continue into the break-in at Gringotts on 31 July, widely believed to be the work of Dark wizards or witches unknown. Gringotts goblins today insisted that nothing had been taken. The vault that was searched had in fact been emptied the same day. But we're not telling you what was in there, so keep your noses out if you know what's good for you, said a Gringotts spokesgoblin this afternoon",
								    								"URL": "https://harrypotter.fandom.com/wiki/Break-in_of_Gringotts_Wizarding_Bank_(1991)"
                                },
                                {
                                    "score": 0.90,
                                    "subjectMatched": "Gringotts",
                                    "text": "Gringotts has recently won 2 new awards for compliance and security as the safety place to store objects except for Hogwarts",
                                    "URL": "https://thedailyprophet.net/"
                                }
                              ]
                        }
                    }
                ],
                "Errors": [],
                "FieldGroups": []
            }
        ],
        "Errors": [],
        "Rule": {
            "RuleName": "RuleScript - BusinessVerify_v11",
            "Note": "Match on (Business Registration Number OR DUNS)"
        }
    },
    "Errors": []
}