Platform · Sanctions screening and KYC/KYB
Every screening result shows which list it was checked against, and as of when.
Sanctions lists come straight from the authorities that issue them in the US, EU, UN, UK, Canada and Australia, refreshed every six hours. Matches are decided by a written, change-controlled match policy. Customers and businesses are onboarded in six steps, with beneficial ownership traced through the layers and a reason code on every decision.
The problem it removes
Screening you cannot explain after the fact
- Most screening runs on a reseller's compiled list, so you can't say which version of which authority's list a customer was checked against.
- Match thresholds live in a vendor setting nobody wrote down, and an analyst's reason for clearing a hit lives in a comment field.
- Business onboarding stops at the first layer of ownership, and the person who controls the company three entities up is never screened.
What you see
A decision with its list, its date and its reason
Each onboarding record shows the ownership chain, each person and entity screened, the list and as-of date behind each result, and the reason code for the decision. The match policy that decided it's published as a match card: what counts as a match, what clears one, and who changed it and when.
| Party | Layer | Result | List, as of |
|---|---|---|---|
| Northgate Supply Holdings LLC | 0 | Clear | OFAC SDN, 2026-09-24 06:00 |
| Harbor Point Capital Ltd (60%) | 1 | Clear | UK sanctions list, 2026-09-24 06:00 |
| M. Okafor, controller of Harbor Point | 2 | Possible match cleared, date of birth differs | EU consolidated list, 2026-09-24 06:00 |
| Decision | Reason code | Match policy |
|---|---|---|
| Approved | SCR-CLR-02 | Match card v4, approved 2026-08-11 |
Illustrative example with invented companies and people. Every result carries the list it was checked against and that list's as-of time.
How it works
Collect, onboard, match, decide, re-review
- Collect the lists. Each authority's list is taken from the authority itself every six hours and stamped with its as-of date.
- Onboard. Customers and businesses go through six steps. For a business, ownership is traced through each layer until the people who own or control it are reached, and each of them is screened.
- Match. The written match policy decides whether a name is a match. The same facts give the same answer every time, and a change to the policy goes through approval and is recorded on the match card.
- Decide and explain. Each decision carries a reason code. Where you decline an applicant, an adverse-action notice is prepared. No model decides a match.
- Review. Your analysts, or a practitioner under your engagement, clear or escalate possible matches, and the evidence stays with the decision.
- Re-review. A defined event on an existing customer triggers a fresh review of that customer, on the same policy.
Guardrails
What it will never do
- It doesn't check identity documents or biometrics itself. Those come from a provider you choose, and we record the verdict it returns.
- It doesn't block payments. It decides and records screening outcomes; your payment systems act on them.
Where it shows up
The work this part does for you
Plain English
What this is, and how anyone does it
Reference articles from our library, cited to the published rules and standards. No sales copy.
- ReferenceSanctions Screening Program: Definition, Components and ProcessWhat sanctions screening is, OFAC's five compliance commitments, the official lists, fuzzy matching and alert disposition, the 50 percent rule, reporting and ten-year record retention.
- ReferenceKYC and KYB: Customer and Business Due Diligence ExplainedWhat KYC and KYB mean under US AML rules: the customer identification program, the CDD rule and beneficial ownership, verification methods, EDD, PEPs, and the status of CTA reporting.
Connected parts
What it works with
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