Trulioo Watchlist is a watchlist screening service that performs Sanctions, Adverse Media, and PEP checks. This watchlist service ensures customers’ user bases 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’ person verification onboarding journeys via a single API to screen and monitor their users against 6,000+ global watchlists and 20,000+ Adverse Media lists both 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 IDV results in a single API Call
- Trulioo checks the request information against a multitude of global watchlists, adverse media, and PEP 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
Using both Watchlist and Identity Services
Trulioo clients who enable the Trulioo Watchlist with their verification services receive two distinct sets of data for each service per identity-check.
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 HitNo Hit |
| WatchlistData | An element to show detailed view of Watchlist search results per category, possible values are:num_WL_hitsnum_AM_hitsnum_PEP_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 |
| dateOfBirth | Individual's date of birth. |
| IndividualName | Individual's name. |
| Nationality | Individual's nationality. |
| 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. |
Politically Exposed Persons(PEP) Results Parameters
| Response Element | Element Description |
|---|---|
| Score | The calculated relevancy match percentage. |
| Name | Name of PEP Profile |
| Country | Country of Citizenship |
| dateofBirth | The date the individual was born |
| ProfessionalHistory | List of professional positions held |
| URL | Web URL for article source. |
| Pep Relation | Indicates the Relationship level of the individual searched with the PEP indicated for the hit. Has one of three values: - Name = Individual matches the PEP’s name - Alias = Individual matches an alias for the PEP - Relative/Associate = Individual matches a relative or known associate for the PEP |
| Pep Type | If Pep Relation = "Name," Pep Type = 0 If Pep Relation = "Alias," Pep Type = 1 |
Person Watchlist Screening
Trulioo Watchlist Request
The Trulioo Watchlist service is integrated into Trulioo's Identity services. Customers using our KYC or KYB 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 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>>/v3/verifications/verify
Sample API Request
{
"DataFields": {
"PersonInfo": {
"FirstGivenName": "Tom",
"MiddleName": "Marvolo",
"FirstSurName": "Riddle",
"DayOfBirth": 31,
"MonthOfBirth": 12,
"YearOfBirth": 1926
}
},
"CountryCode": "UK",
"VerboseMode": "True"
}
POST v3/verifications/verify
Host: <<endpoint>>
Authorization: OAuth
Content-Type: application/json
{
"DataFields": {
"PersonInfo": {
"FirstGivenName": "Vladimir",
"FirstSurName": "Putin",
"DayOfBirth": 7,
"MonthOfBirth": 10,
"YearOfBirth": 1952
}
},
"ConfigurationName": "Identity Verification",
"ConsentForDataSources": [],
"verificationType":"Live",
"packageId":"xxxxx",
"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>>/v3/verifications/verify")
.method("POST", body)
.addHeader("Authorization", "Basic ACCESS_TOKEN")
.build();
Response response = client.newCall(request).execute();
Trulioo Watchlist Response
| NOTE: To see the WatchlistHitDetails Object you must set VerboseMode:true in the request. |
|---|
Sample API Response
{
"TransactionID": "d932a341-f367-40aa-9963-ab9317f2ffd7",
"UploadedDt": "2022-05-02T16:41:42",
"CountryCode": "UK",
"ProductName": "Identity Verification",
"Record": {
"TransactionRecordID": "202ae996-5d61-8841-35e6-eab0028e8bc1",
"RecordStatus": "nomatch",
"DatasourceResults": [
{
"DatasourceName": "Advanced Watchlist",
"DatasourceFields": [],
"AppendedFields": [
{
"FieldName": "WatchlistState",
"Data": "Potential Hit"
},
{
"FieldName": "WatchlistData",
"Data": {
"num_WL_hits": 2,
"num_AM_hits": 2,
"num_PEP_hits": 1
}
},
{
"FieldName": "WatchlistHitDetails",
"Data": {
"WL_results": [{
"score": 1,
"individualName": "Tom Marvolo Riddle",
"aliasList": "Lord Voldemort; You-Know-Who; He-Who-Must-Not-Be-Named; The Dark Lord",
"identifier": "Unique ID: HW32189 | Azkaban ID: 14196",
"subjectMatched": "Tom Marvolo Riddle",
"dateOfBirth": "31/12/1926",
"nationality": "British",
"sourceListType": "Ministry of Magic Sanctions List",
"sourceRegion": "Europe",
"remarks": "Date Designated: 06/07/1945 | Last Updated: 18/12/1995 | Positions: Chief Death Eater",
"caution": "Sanctions Imposed: Asset freeze, Travel Ban, No Broom List",
"URL": "https://www.wizardingworld.com/"
},
{
"score": 0.95,
"individualName": "Tom Riddle",
"aliasList": "Lord Voldemort; The Dark Lord",
"identifier": null,
"subjectMatched": "Tom Riddle",
"dateOfBirth": "31/12/1926",
"nationality": "British",
"sourceListType": "The Magical Congress of the United States of America Sanctions List",
"sourceRegion": "North America",
"remarks": "Date Designated: 06/07/2020 | Last Updated: 18/12/2021 | Positions: Head of the Investigative Committee of Russia",
"caution": "Sanctions Imposed: Asset freeze, Travel Ban",
"URL": "https://www.wizardingworld.com/"
}
],
"AM_results": [{
"score": 0.95,
"subjectMatched": "Tom Riddle",
"text": "Hogwarts increases security against former student Tom Riddle",
"URL": "https://thedailyprophet.net/"
},
{
"score": 0.90,
"subjectMatched": "Voldemort",
"text": "Death Eater Terror Continues as Voldemort returns",
"URL": "https://thedailyprophet.net/"
}
],
"PEP_results": [{
"score": 1,
"name": "Tom Marvolo Riddle",
"dateOfBirth": "31/12/1926",
"country": "United Kingdom",
"professionalHistory": ["Lord Voldemort", "You-Know-Who", "He-Who-Must-Not-Be-Named", "The Dark Lord"],
"URL": "https://harrypotter.fandom.com/wiki/Tom_Riddle",
"PEPRelation": "Name",
"PEPType": 0
}]
},
"Errors": [],
"FieldGroups": []
}
],
"Errors": [],
"Rule": {
"RuleName": "Category 3 KYC v3",
"Note": "Match(FamilyAndGivenInitial, DOB) or Match(FamilyAndGivenInitial, FullAddress) or Match(FamilyAndGivenInitial, ID) MiddleName Ignored"
}
},
"Errors": []
}
Sample API Response
{
"TransactionID": "d932a341-f367-40aa-9963-ab9317f2ffd7",
"UploadedDt": "2022-05-02T16:41:42",
"CountryCode": "UK",
"ProductName": "Identity Verification",
"Record": {
"TransactionRecordID": "202ae996-5d61-8841-35e6-eab0028e8bc1",
"RecordStatus": "nomatch",
"DatasourceResults": [
{
"DatasourceName": "Advanced Watchlist",
"DatasourceFields": [],
"AppendedFields": [
{
"FieldName": "WatchlistState",
"Data": "Potential Hit"
},
{
"FieldName": "WatchlistData",
"Data": {
"num_WL_hits": 2,
"num_AM_hits": 2,
"num_PEP_hits": 1
}
},
{
"FieldName": "WatchlistHitDetails",
"Data": {
"WL_results": [{
"score": 1,
"individualName": "Tom Marvolo Riddle",
"aliasList": "Lord Voldemort; You-Know-Who; He-Who-Must-Not-Be-Named; The Dark Lord",
"identifier": "Unique ID: HW32189 | Azkaban ID: 14196",
"subjectMatched": "Tom Marvolo Riddle",
"dateOfBirth": "31/12/1926",
"nationality": "British",
"sourceListType": "Ministry of Magic Sanctions List",
"sourceRegion": "Europe",
"remarks": "Date Designated: 06/07/1945 | Last Updated: 18/12/1995 | Positions: Chief Death Eater",
"caution": "Sanctions Imposed: Asset freeze, Travel Ban, No Broom List",
"URL": "https://www.wizardingworld.com/"
},
{
"score": 0.95,
"individualName": "Tom Riddle",
"aliasList": "Lord Voldemort; The Dark Lord",
"identifier": null,
"subjectMatched": "Tom Riddle",
"dateOfBirth": "31/12/1926",
"nationality": "British",
"sourceListType": "The Magical Congress of the United States of America Sanctions List",
"sourceRegion": "North America",
"remarks": "Date Designated: 06/07/2020 | Last Updated: 18/12/2021 | Positions: Head of the Investigative Committee of Russia",
"caution": "Sanctions Imposed: Asset freeze, Travel Ban",
"URL": "https://www.wizardingworld.com/"
}
],
"AM_results": [{
"score": 0.95,
"subjectMatched": "Tom Riddle",
"text": "Hogwarts increases security against former student Tom Riddle",
"URL": "https://thedailyprophet.net/"
},
{
"score": 0.90,
"subjectMatched": "Voldemort",
"text": "Death Eater Terror Continues as Voldemort returns",
"URL": "https://thedailyprophet.net/"
}
],
"PEP_results": [{
"score": 1,
"name": "Tom Marvolo Riddle",
"dateOfBirth": "31/12/1926",
"country": "United Kingdom",
"professionalHistory": ["Lord Voldemort", "You-Know-Who", "He-Who-Must-Not-Be-Named", "The Dark Lord"]
}]
},
"Errors": [],
"FieldGroups": []
}
],
"Errors": [],
"Rule": {
"RuleName": "Category 3 KYC v3",
"Note": "Match(FamilyAndGivenInitial, DOB) or Match(FamilyAndGivenInitial, FullAddress) or Match(FamilyAndGivenInitial, ID) MiddleName Ignored"
}
},
"Errors": []
}