Anti Money Laundering (AML)

For snapshot Politically Exposed Person (PEP), Sanction and Adverse Media checks and on-going (daily) monitoring. If an individual is added to one of our global watchlists a webhook and email will be generated with details of the alert, along with the details displayed in your dashboard. It is strongly recommended to implement the Webhooks in order to trigger other KYC and AML procedures. Please see On-Going PEP, Sanction, Adverse Media Screening blog for more product details.

To request an On-Going Screen, make a HTTPS POST request to https://api.lemverify.io/api/v1/{account_id}/ongoing, where {account_id} is your LEM Verify account ID found in the Account Setup section of the dashboard.

If you are using the Advanced AML Service, an On-Going screen will also be created for which you will receive webhooks for if the individual is placed on another watchlist.

The body must contain the following parameters:

Field	Type	Required	Notes
clientRef	String	Mandatory	Your unique reference number to associate with the on-going screen
forename	String	Mandatory	A String containing the forename of the individual you wish to create the on-going screen for
middle	String	Optional	A String containing the middle name of the individual you wish to create the on-going screen for
surname	String	Mandatory	A String containing the surname of the individual you wish to create the on-going screen for
dob	String	Mandatory	A String containing the dob of the individual you wish to create the on-going screen for, in the format dd/mm/yyyy
gender	String	Mandatory	A String containing the gender of the individual, either "Male" or "Female"

If the request is successful (200 response) then the response body will look similar to the following:

This object will contain data relating a PEP, Sanction or Adverse Media alert when an ongoing search entity has been added to a new watchlist.

Field	Type	Notes
id	string	Unique ID issued by LEM Verify to track the request
passed	boolean	If the AML check has been passed against the scorecard used, then the result will be `true`. `false` will be returned if the score hasn't reached the threshold set by the scorecard.
person	Object	Object representing the individuals details that the search was against.
results	AML Result object	Object containing the results from the AML check for the services that are enabled

Example JSON response:

{
  "id": "d263c120-8a39-11ef-83de-5fc02cafb795",
  "passed": true,
  "person": {
    "givenNames": "John",
    "surname": "Smith",
    "dob": "1940-11-10",
    "dobDay": 10,
    "dobMonth": 11,
    "dobYear": 1940,
    "address": {
      "formatted": "1 ACME ROAD, LONDON, SE1 5AS"
    }
  },
  "results": {
    "insolvencyPassed": true,
    "ccjPassed": true,
    "creditPassed": false,
    "erPassed": true,
    "address": {
      "recency": "09/05/2014",
      "er": "ER2000,ER2001,ER2002,ER2003,ER2004,ER2012,ER2013,ER2014",
      "tel": "01234567890",
      "telName": "MR J SMITH",
      "gone": "N"
    },
    "mortalityPassed": true,
    "pepPassed": true,
    "sanctionsPassed": true
    "linkedAddresses": [
      {
        "fullName": "MR JOHN SMITH",
        "address": "APARTMENT 1, HARBOUR REACH, THE BOULEVARD, IMPERIAL WHARF, SW9 2FS",
        "recency": "29/09/2013",
        "residency": "2014",
        "source": "Subject - DOB"
      },
      {
        "fullName": "MR JOHN SMITH",
        "address": "19 HANOVER SQUARE, LONDON, W3S 1GN",
        "recency": "04/03/2014",
        "residency": "2014",
        "source": "Subject - Forwarding"
      }
    ],
    "companyDirectorships": [
      {
        "companyName": "ACME FINANCE LTD",
        "matchType": "Name & DOB",
        "dateAppointed": "07/02/2010",
        "companyRegNo": 8457069,
        "registeredOffice": "62 SOUTHWARK BRIDGE, LONDON, SE1 0AS",
        "appointments": [
          {
            "name": "MR JOHN SMITH",
            "address": "1 ACME ROAD, LONDON, SE1 5AS",
            "dob": "10/11/1940",
            "occupation": "DIRECTOR",
            "nationality": "BRITISH",
            "appointmentDate": "22/03/2013",
            "appointmentType": "Current Director"
          }
        ]
      }
    ]
  }
}

Considerations

Once a verification is completed it will be retained in the LEM Verify system for 7 days, then it will then be permanently deleted, so we recommend downloading the report pdf.