Annature’s enhanced verification product is purpose-built to help you meet your Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) obligations when verifying the identity of individuals. This solution is essential for businesses operating in regulated sectors—such as accounting, financial services, and real estate—where identity verification must include a risk assessment against global criminal and financial intelligence sources.

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How it works

When a recipient completes enhanced verification, Annature securely collects their identity information—typically full name, date of birth, address, and nationality—and submits it to ComplyCube, our global identity screening partner.

ComplyCube then performs a real-time AML and CTF screening across a wide range of global databases. The individual’s identity is assessed for potential matches in various risk categories, and the outcome is returned as a pass or fail result for each one.

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What is AML/CTF screening?

AML/CTF screening refers to the process of comparing an individual’s identity information against international databases and intelligence sources to identify potential involvement in criminal, financial, or politically sensitive activity.

The screening includes:

  • International sanctions lists (e.g. United Nations, OFAC, EU)
  • Government-issued watchlists
  • Politically exposed persons (PEPs)
  • Adverse media sources
  • Financial crime and organised crime lists

This helps businesses identify individuals who may pose a financial crime risk, be subject to international sanctions, or be involved in corruption, terrorism financing, or other illicit activities.

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Screening categories

Enhanced verification includes screening across the following screening categories:

  • Sanctions & watchlists: Detects individuals or entities listed on official sanctions and exclusion lists maintained by international governments and enforcement agencies.
  • Politically exposed persons (PEPs): Identifies individuals with current or previous public roles who may be at higher risk for corruption or bribery.
  • Adverse media: Flags negative mentions in credible media sources, including environmental, regulatory, and financial misconduct coverage.
  • Other lists: Identifies associations with organised crime, financial crime, tax evasion, corruption, or trafficking.

Each category contains multiple checks and is reported independently in the results, allowing you to assess specific risks clearly.

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Screening sources

ComplyCube’s screening platform aggregates data from:

  • Government departments and law enforcement bodies
  • International regulators and intergovernmental organisations
  • Global financial crime databases
  • Reputable media and risk intelligence feeds

All screenings are continuously updated to reflect the most current global data and regulatory changes.

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Benefits of enhanced verification

  • AML/CTF compliance: Helps meet obligations under Australian law and FATF guidelines
  • Targeted risk assessment: Screens across sanctions, PEPs, media, and criminal intelligence
  • Fast and reliable: Screening results are usually returned in under 5 seconds
  • Clear results: Each screening category is returned with a simple pass or fail outcome
  • Seamless workflow: Verification and screening occur in the background with no extra steps for the end-user

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Use cases

Enhanced verification is recommended for any use case where AML/CTF due diligence is required or expected, including:

  • Accountants and registered tax agents: Verifying client identities under AML/CTF and TPB requirements
  • Real estate agencies: Conducting due diligence for high-value property transactions
  • Finance professionals: Screening clients or investors during onboarding
  • Legal professionals: Meeting obligations under trust account and AML legislation

For a full breakdown of each screening category and its subcomponents, please refer to the linked pages in this section.