Screen AML databases
Beta
Last updated: June 4, 2025
The AML Screening solution enables you to check if a verified applicant appears in any of the following anti-money laundering (AML) databases:
- Politically exposed persons (PEPs) with a prominent public function, and their close family and associates
- Sanctions
- Adverse media that may lead to reputational damage
Information
To enable AML Screening, contact your account manager or [email protected].
- You must have already integrated the Identity Verification solution and verified the applicant.
- The applicant must already have a profile.
- Prepare to handle statuses.
- Set up your webhook receiver and prepare to handle webhooks.
- Contact our partner ComplyAdvantage to request API credentials and access to the ComplyAdvantage Dashboard to manage and investigate cases.
- Enter your ComplyAdvantage API credentials in the IDV Dashboard.
In the ComplyAdvantage Dashboard, you can configure the following to meet your business requirements:
- The risk score model for all your screenings
- The checks Checkout.com performs for a specific screening – for example, which databases to screen and how to handle fuzzy matches
You receive a unique configuration ID that you must provide every time you create a screening. This is different to your Identity Verification and Face Authentication configuration IDs.
When you request a screening, Checkout.com returns an applicant risk score. If the risk is acceptable, we screen the databases and approve or decline the applicant. If alerts are raised that require your review, we create a case for you to investigate. You then approve or decline the applicant.
Follow these steps:
- Create a screening.
- If alerts are raised, investigate the case.
- Retrieve the screening to see the final result.
Call the Create an AML screening endpoint:
applicant_idfield – Provide the applicant ID.configuration_identifierfield – Optionally, provide your configuration ID.monitoredboolean – To configure monitoring, set totrue.
post
https://identity-verification.checkout.com/aml-verifications
The response returns the screening ID in the id field, prefixed with amlv_. You need this to retrieve the screening result.
The screening status is created and you receive an AML verification created webhook.
Checkout.com generates a risk score for the applicant as follows:
| Risk score | Description |
|---|---|
| The risk is acceptable and we start the screening. The screening status changes to You receive an AML verification onboarding started webhook. |
| The risk is unacceptable and we automatically decline the applicant. You cannot create a new screening. |
The result can be the following statuses:
| Screening status | Description |
|---|---|
| There are no databases matches and we approve the applicant. You receive an AML verification onboarding completed webhook. |
| There are exact or fuzzy matches for the applicant. We create a case for you to investigate. You receive an AML verification monitoring alert webhook. |
| There are database matches and we decline the applicant. You receive an AML verification onboarding completed webhook. |
If there are alerts for database matches, Checkout.com creates a case. You manually review the case in the ComplyAdvantage Dashboard and decide whether to approve or decline the applicant.
You can:
- Change the status of a database match.
- Use an allowlist to reduce unnecessary alerts.
- Change the result.
When you investigate the case and change the result from review_required to approved or declined, you receive an AML verification onboarding reviewed webhook.
If you re-open a case, the result changes from approved or declined to review_required and you receive an AML verification status changed webhook.
To view the final result, call the Retrieve an AML screening endpoint, and provide the screening ID from the Create a screening response as the {aml_verification_id} path parameter.
get
https://identity-verification.checkout.com/aml-verifications/{aml_verification_id}
After the initial screening, Checkout.com can continue to monitor the applicant's AML status. We inform you if any alerts are raised.
To configure monitoring, subscribe to the following webhooks:
- AML verification monitoring alert – An alert was raised and you need to investigate the case.
- AML verification monitoring reviewed – You've finished investigating the case, a case was re-opened, or the result was updated.