What do the Identity Record Check results mean?

Standard Identity Record Check

• “Clear”: At least one source matches the applicant's name and address.

• “Consider”: The applicant’s name and date of birth have matched, but no name to address matches have been found.

• “Unidentified”: No matches are found.

• “Withdrawn”: This means that the check has been either withdrawn by the applicant or by the client. It may also mean that you have submitted this check incorrectly: e.g. when selecting which jurisdiction the check should be performed under, GBR jurisdiction was selected when the applicant is based in the US.
• Note: You are not charged for withdrawn checks.

The number of addresses searched:

• The Standard Identity Check will attempt to find an address match for the applicant's current address. If no match is found it will attempt to match the previous address (if provided), up to a total of 3 applicant addresses.

Mortality:

• Not checked. 

Identity KYC

If the applicant address is in the UK:

• “Clear”: The applicant is not found in mortality lists AND
  • At least one match on the applicant's name and current address, and a match on the applicant's name and date of birth (either in the same of different source) OR
  • Two matches on the applicant's name and current address from two different sources.

• “Consider”: Otherwise.

In the below example, the applicant is not present on any mortality registers and their current address has also matched on the telephone database. We have not been able to match their current address or date of birth against any credit agencies or the voting register, however, so this would not meet the 2+2 requirements.

This logic follows the definition of 2+2 as per the JMLSG Guidelines 2014 Section 5.3.69.

If the applicant address is outside of the UK:

• “Clear”: At least one source matches the applicant’s name and current address.
• “Consider”: The name and date of birth are matched, but no name and address matches are found.
• “Unidentified”: No matches are found.

The number of addresses searched:

• As per JMLSG definitions, this check will only attempt to find a match using the applicant's current address.

For US clients, our Identity Check provides SSN matching also. When the full SSN or the last four digits of the SSN are provided:

• `"result": "clear"` at least one source matches the applicant’s name and address, and the last four digits of the SSN are matched
• `"result": "unidentified"` no matches are found
• `"result": "consider"` otherwise

If the SSN or the last four digits are not provided, then the Identity Check will behave as normal: clearing on an address match;