Annature’s Standard verification product provides a secure, compliant, and efficient way to verify an individual’s identity and collect their ID documents. It is designed for use cases that do not require Anti-Money Laundering (AML) or Counter-Terrorism Financing (CTF) screening, and instead focus solely on verifying identity in accordance with regulatory or business requirements—such as those set by the Australian Taxation Office (ATO) and the Tax Practitioners Board (TPB).

This verification pathway is ideal for businesses and professionals who need to collect and sight official identification documents but are not subject to AML/CTF compliance obligations.

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How it works

When a user completes Standard verification, Annature securely captures their personal details and identification documents. This information is then verified using ComplyCube’s Multi-bureau check, which confirms the identity against a wide range of trusted and independent data sources.

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What is a Multi-bureau check?

ComplyCube’s Multi-bureau check is a real-time identity verification service that corroborates an individual’s details—such as name, date of birth, address, and identification number—against a wide range of authoritative sources. These sources include:

  • Credit agencies: Data from credit reference agencies
  • Government authorities: Information from motor vehicle registrations, electoral rolls, land registries, and court records
  • Utility providers: Records from water, gas, and electricity companies
  • Telecommunications providers: Data from mobile and landline service providers
  • Postal authorities: Address information from national postal services
  • Commercial and consumer databases: Opt-in data from marketing and consumer platforms
  • Trusted third-party aggregators: Additional verified data sources

This approach ensures a comprehensive and resilient identity verification process, even if one data source is temporarily unavailable.

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Matching logic

The identity is considered verified when at least two core attributes match across independent data sources. Examples of matched attribute sets include:

  • Full name + date of birth
  • Full name + address
  • Full name + government-issued ID number

ComplyCube’s matching engine intelligently selects and evaluates the best available combinations to produce a reliable verification outcome.

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Use cases

Standard verification is best suited to scenarios where AML/CTF compliance is not required but reliable identity confirmation is essential. Common examples include:

  • Human Resources: Verifying ID during new employee onboarding
  • Equipment or vehicle hire: Confirming identity before renting out high-value assets
  • Tax and accounting services: Satisfying TPB and ATO obligations for identity verification
  • Education and training: Verifying student or enrollee identities in regulated programs

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Benefits

  • Regulatory compliance: Satisfies requirements set by the ATO and TPB for identity verification
  • Fast and accurate: Real-time results typically returned within seconds
  • Secure document collection: Captures and stores ID documentation securely for compliance records
  • Resilient verification infrastructure: Multi-bureau approach reduces dependency on any single data provider
  • Streamlined experience: Minimizes friction for users while maintaining strong verification outcomes

For more technical details or to integrate Standard verification into your product or workflow, please contact us.