Introducing Ongoing Monitoring for AML

Create your own customized AML screening logic to handle scaling operations

After KYC (know your customer), it’s important to confirm that a customer is still the same person every time they use your service. It’s also ideal to monitor their status overtime. Performing KYC is not just about collecting their information for the record, but using that information to make an appropriate and updated risk assessment. This is where ongoing monitoring comes in to help determine when customers appear on AML watchlists or sanctions lists later on.

We at Passbase have now extended our ongoing monitoring feature to be easily activated from the Passbase Dashboard. You can cover anti-money laundering (AML) requirements and be assured that the customers using your platforms are ones you would like to serve.

Get updated data for real-time customer risk profiles

A screenshot of Passbase's Identity Auditor with the status banner in red because the individual has been flagged with AML warnings.

What is ongoing monitoring? Ongoing monitoring provides you with the tools to not only determine a customer’s identity at onboarding, but also over time - in order to have better risk assessments. With Passbase’s ongoing monitoring, you can perform advanced AML checks that screen your customers:

  • Sanctions and watchlists: Review customers’ profiles that have been flagged and take next precautionary steps to protect your business
  • Politically exposed persons (PEPs): Turn on PEP classifications to engage customers with a risk-based approach and factoring compliance
  • Adverse information and media: Have 24-hour media scans with FATF-centric taxonomy that saves you from painstaking

You can now enable ongoing monitoring directly through the Passbase Dashboard or through the Passbase API. Once you have, you can received enriched data with structure profiles.

Create your custom logic to automate case handling and optimize operations

Teams integrating Passbase directly into their development stack can create even more powerful AML screening programs by setting up their own logic.

Teams can optimize operations by setting up a Slackbot or e-mail notification for flagged individuals.

In addition, teams that receive webhooks can also create their own handling logic. The Passbase Patch API endpoint allows teams to do a patch call and edit the API instead of simply receiving information from Passbase. Teams that do not have their own servers can make use of Postman to create logic flows.

Teams can create powerful automations for handling cases. For example, you can set your system to block users with certain flags, such as if someone is on a sanctions list. You can set up ongoing monitoring for people for only their first 6 months after onboarding. You may want to monitor customers from a certain country, with a certain document type.

How it works

The moving screenshot shows an individual has passed three of five watchlist requirements. There is an Adverse Media warning. The pointer moves up to the top right corner to click the "Re-run check" button

Ongoing monitoring can be activated from the Passbase Dashboard or the Passbase API. The Passbase Dashboard allows for simplicity, turning on ongoing monitoring for all your customers when you have activated the feature. Customers who registered prior to this feature’s activation can be individually added using the Passbase Dashboard or your engineering team can help you bulk add customers retroactively via the Passbase API.

Once you have activated ongoing monitoring, you will begin to see a pending or accepted status for every AML profile created. All newly created identities that are unreviewed or accepted will be actively monitored. Once an identity is flagged with a new AML event, such as adverse media, this the normal watchlist_monitoring webhook will be triggered on the backend and the checks will be updated on your Identity Auditor view for that individual. Flagged individuals will have their status rolled back to pending for your team to review and decide the best course of action.

From the Passbase Identity Auditor, you can also re-run a watchlist check for each Identity with key data points extracted.

You can also remove identities from the ongoing monitoring list via the Passbase API endpoint. You can read more here.

Getting started

To get started, head to your Passbase Dashboard’s Subscription Settings Page to enable ongoing monitoring. Enabling this feature will mean that Passbase will begin monitoring all new Identities created from the time of activation. Your customers who have performed identity verification and have identities in the Passbase system prior to this feature’s activation will need to be added into the monitoring list.

Passbase’s ongoing monitoring is activated in a two-step process:

  1. Enable Transactional Screening
  2. Enable Ongoing Monitoring

Ongoing monitoring requires transactional screening to be activated as well. Activating transactional screening creates an AML profile using your customer’s first name, last name, and date of birth that is used for the ongoing monitoring process. The created AML profile is screened for PEP status across four classes, international sanctions, global financial crimes and wanted lists in 190+ countries, as well as, adverse media exposure warnings.

You can add your customers who performed identity verification prior to this feature being switched on to the ongoing monitoring list with the AML Profile API endpoint.

This feature has a fee per AML profile created as well as a monthly screening fee per profile.

Ongoing monitoring is available as an option to companies using the Passbase Growth plan or higher. To learn more, you can schedule a call with one of our representatives.

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Passbase is an identity verification solution that makes facial recognition, liveness detection, ID verification and KYC and AML compliance accessible through a suite of flexible developer tools. A zero-knowledge architecture ensures that companies using Passbase can securely verify users from over 190 countries without having to store their data. Built for developers, it can be integrated with just a few lines of code on iOS, Android, and Web.