Electronic identity verification (EV) and AML services for businesses in New Zealand and Australia.

Know your customer made easy.

Cloudcheck is a flexible electronic identity verification tool that allows you to verify the identity of your customer in seconds using biometric checks, bank account details, anti-fraud check, Australian and New Zealand government data sources and global watchlists.

Whether your business needs to comply with the safe harbour provisions of the Australian or New Zealand Anti-Money Laundering (AML) legislation or needs to verify the identity/age of your customers for another business purpose, Cloudcheck is the most flexible and accurate solution available to assist.

Cloudcheck Direct

Our stand-alone Direct application allows you to perform electronic identity verification on your customers without any IT integration.

Your customer completes your existing application process

You sign into Direct and enter your customer’s details to verify their identity

After verification, you are presented with their status for your records

You receive your customer's details in the same way that you do now - no change in process.

Your user signs into the Cloudcheck Direct site from any browser or smart device and enters these customer’s details. Cloudcheck performs the necessary checks against your pre-selected data sources and PEP & Sanction lists.

Once completed, your user is presented with a report showing the verification result, and PEP & Sanction check results, the information verified, against which sources and when. This information can be downloaded or printed for your records. If you wish to keep a record of this verification, you must download the result within 7 days before it is purged in line with our Data Retention Policy.

Cloudcheck Direct can also be used for performing PEP checks, triggering Akahu, Cloudcheck Go and Cloudcheck Live requests as well as identifying company owners by using Cloudcheck Tree.

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On-going customer due diligence

In addition to being used as part of your customer on-boarding process, Cloudcheck can be used to assist you in satisfying any ongoing due diligence obligations you may have, or to simply ensure your customer records are up to date. Cloudcheck Go and Bulk verifications can help reduce your workload and speed up your OCDD project.

Cloudcheck API

Our API integrates with your existing sign-up process (or client management system) at the application level for real-time verifications.

Customer begins the application process on your site

Your application sends the customer’s data via API to Cloudcheck for identity verification

After verification, the Cloudcheck API returns the result in its response

During your online application process, you send the customer details to us via the RESTful Cloudcheck API.

Cloudcheck performs the necessary checks in real-time against your pre-selected data sources and any PEP & Sanction check results.

The verification result and transaction details are returned as part of the API response and can also be downloaded in a PDF for ease of record keeping. If you wish to keep a record of this verification, you must download the result within 7 days before it is purged in line with our Data Retention Policy.

APIs are also available for Akahu, Cloudcheck Go, Cloudcheck Live, Cloudcheck Tree and PEP & Sanction checks. Request access.

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On-going customer due diligence

Cloudcheck Live

Cloudcheck Live is an optional add-on that captures and biometrically matches images of your customer’s ID document and of their face, to ensure a greater level of confidence in their identity. Includes automatic OCR text extraction & fraud checks.

You direct your customer to Cloudcheck Live via a secure link

Your customer is prompted to take pictures of their face and ID document via their device’s camera

Liveness, likeness and anti-fraud checks are performed

At a point during your customer’s application or identity verification process, they are directed via a secure link to Cloudcheck Live, a web-based service hosted by us.

If the customer does not have a camera on their device they can scan a QR code or send the link via SMS to their camera-enabled device to continue the process. They are then prompted to capture images of their photo identity document, multiple images of their face, and if you're utilising Cloudcheck Live+ they are also prompted to capture additional photos you require such as a utility bill.

Once the images have been captured, they are automatically matched for liveness and likeness, anti-tampering & anti-fraud checks are perfomed, the data is extracted using OCR and then returned to you via the API or Direct and attached to the customer’s verification file for you to review. If you wish to keep a record of this verification, you must download the result within 7 days before it is purged in line with our Data Retention Policy.

Cloudcheck Live can be used as part of the identity check or as a stand-alone process and can be used in conjunction with Cloudcheck Pay.

Alternate to using Cloudcheck Live to link the customer back to their claimed identity is Akahu or IDscan.

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On-going customer due diligence

IDscan

IDscan is bank-grade optional biometric add-on that incorporates passive liveness technology and auto-document capture to allow for a seamless customer experience.

You direct your customer to IDscan via a secure link

Your customer is prompted to take pictures of their face and ID document via their device’s camera

Liveness, likeness and anti-fraud checks are performed

At a point during your customer’s application or identity verification process, they are directed via a secure link to IDscan, a web-based service biometric service developed by GBG.

If the customer does not have a camera on their device they can scan a QR code or send the link via SMS to their camera-enabled device to continue the process. They are then prompted to capture images of their photo identity document and a selfie. Quality checks are carried out on the identity document in real-time, and the selfie is passively monitored for liveness in real-time.

Once the images have been captured, anti-tampering & anti-fraud checks are perfomed and the face is matched likeness. The data is extracted using OCR and then returned to you via the API or Direct and attached to the customer’s verification file for you to review. If you wish to keep a record of this verification, you must download the result within 7 days before it is purged in line with our Data Retention Policy.

ID Scan can be used as part of the identity check using Cloudcheck Go or as a stand-alone process, and can be used in conjunction with Cloudcheck Pay.

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On-going customer due diligence

Cloudcheck Go

Our Cloudcheck Go service enables you to send a secure link to your customer via email or SMS allowing them to self-verify.

You securely upload/API your verification list and customise the message content

Your customer clicks the secure link in the email/SMS and verifies their identity

After verification, you are presented with the result for your records

You submit your customers’ details and message parameters to generate a unique secure link. You then either send the customer the unique link from either via your email system, our branded emails, SMS, or if you are using the API you can redirect the customer straight to the verification page.

The customer clicks the secure link and is directed to a Cloudcheck page featuring your branding. If you are also performing a Cloudcheck Live, IDscan, or Akahu verification the customer is asked to go through this process first. When using Cloudcheck Live, the data is extracted from their ID document and this is used to pre-populate the data entry page that they double-check and submit for verification. During this process, the customer is asked to give explicit consent for their data to be verified.

The customer is then re-directed to the webpage specified by you.

The results can be downloaded or printed for your records from Cloudcheck Direct. If you wish to keep a record of this verification, you must download the result within 7 days before it is purged in line with our Data Retention Policy.

Can be used in conjunction with Cloudcheck Pay.

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On-going customer due diligence

Cloudcheck w/ Akahu

Use as an alternate to biometrics, and link your customer to their claimed identity. Or use to simply verify your customers bank account details or residential address.

Your customer is redirected to Akahu and logs into their bank account

The bank supplies the customer's bank account information

After verification, you are presented with the result for your records

When your customer is progressing through the Cloudcheck verification process they are (optionally) redirected to Akahu and are asked to log into their bank account. Verifi never sees the customer's login credentials.

The data is extracted directly from their bank account and is used to verify the name and/or address on the bank account against the name and/or address your customer has supplied.

You are presented with the outcome of this matching process as well as the bank account number that was used. This consent and access given is a one-time consent and can not be reused.

If you wish to keep a record of this result, you must download the result within 7 days before it is purged in line with our Data Retention Policy.

Cloudcheck with Akahu can be used to link the customer bank to their claimed identity (alternative to biometrics), as an address verification source or simply to verify their bank account details. It can be used via Cloudcheck Direct, Cloudcheck Go and Cloudcheck API.

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On-going customer due diligence

Document Checker

Anti-fraud and anti-tampering checks on any identity document

You upload an image of an ID via Direct or the API

Image is analysed for fraud and tampering

The result is returned for your records

An anti-fraud measure that allows you to upload an image of any identity document via Cloudcheck Direct or the API and have it automatically checked for fraud and tampering, for example, whether the photo or any text has been replaced or edited. This does not check the data/image against the underlying database.

Once complete, a report is returned that can be viewed on screen, the API and downloaded in PDF format.

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On-going customer due diligence

Cloudcheck Tree

Cloudcheck Tree assist you in identifying the ultimate beneficial owners of New Zealand companies

You enter the company name into Tree via Direct or the API

Cloudcheck Tree searches the NZBN database and calculates the beneficial owners of the company

You are presented with a report showing the Directors and Shareholder percentages

You enter the company name into Cloudcheck Tree via Cloudcheck Direct or API, a list of potential matches is returned for you to select from.

From this selection, multiple API calls are then made to the NZBN database to drill down through the company structure layers to try and determine the identity of the ultimate beneficial owners and their shareholding percentages.

Once complete, a report is returned that can be downloaded in PDF and excel.

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On-going customer due diligence

Cloudcheck Pay

Cloudcheck Pay is an optional add-on that enables you to automatically pass the cost of each verification to your customer, via credit card payment during the verification process.

Your customer clicks the secure link generated in Cloudcheck Direct

The customer is asked to enter their credit card details to pay for the verification

The customer self-verifies, and you are presented with the result for your records

You send your customer a secure self-verification link or email generated using Akahu, Cloudcheck Go or Cloudcheck Live.

The customer clicks the secure link and is directed to a Cloudcheck page featuring your branding. They are asked to enter their credit card details in order to pay for the verification. Once the card is pre-authorised (or the page is skipped), the customer is presented with the relevant verification page as per your request.

When the verification process is complete, the customer is emailed a receipt for the payment and the result is made available for download in Cloudcheck Direct. If you wish to keep a record of this verification, you must download the result within 7 days before it is purged in line with our Data Retention Policy.

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On-going customer due diligence

Cloudcheck Bulk

Using Cloudcheck Direct you can perform electronic identity verifications or PEP & Sanction checks in Bulk without any IT integration or significant data entry.

Customer begins the application process on your site

You securely upload a spreadsheet of customer data via Cloudcheck Direct

After verification, the results are available for download

You receive your customer's details in the same way that you do now - no change in process.

Your user signs into the Cloudcheck Direct site from any browser or smart device and securely uploads the customer details.

Cloudcheck performs the necessary checks against your pre-selected data sources, emails your operator the verification results and a link to download details of the information verified, against which sources, and any PEP & Sanction check results in a PDF or excel format. If you wish to keep a record of these verifications, you must download the results within 7 days before it is purged in line with our Data Retention Policy.

You can also perform Bulk PEP & Sanction check screening using this upload method.

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On-going customer due diligence

Why choose Cloudcheck?

Simple integration

Implement EV with ease and save on costs by not having to conduct upgrades when new data sources become available.
Cloudhosted for scale

As new data sources become available, Cloudcheck makes them available without the need for further integration.
Secure by design

No personal data is retained by us during the processing of online ID verification transactions. We store only the outcome of each transaction.
Data source choice

We connect to a wide range of Australian and New Zealand government and private-sector databases. You have control over which sources are utilised. Nothing is forced on you.
Branding options

Include your logo and colour palette to ensure a consistent brand experience for your customers.
Ease of use for your customers

Your customer can be verified using the information in their wallet and/or passport. Additional identity documents or pre-registration is not required.
Desktop & mobile compatible

Our standards-compliant approach ensures verifications can be conducted no matter what device or wi-fi speed is used.
Legal compliance

Assists businesses in complying with New Zealand AML/CFT and Australian AML/CTF legislation.
Cost-effective model

Our transparent pricing model means your organisation only pays for the data sources you opt to check against.
Automated PEP checks

PEP and Sanction checks can be automatically run at the same time as customer verification.
High success rate

Our proprietary matching algorithms mean high customer verification pass rates. Complete the contact form below to ask about the pass rate for your industry.
Increase profitability

Reduce administration costs and increase conversion rates leading to greater profitability with a streamlined process that is simple for you and your customer.

Who needs to comply?

The obligations under the Anti-Money Laundering legislation in Australia (AML/CTF) and New Zealand (AML/CFT) to identify customers apply to a range of financial businesses operating in these countries, including:

Banks
Casinos
Financial advisers
Issuers of securities
Money changers
Non-deposit taking lenders

Brokers
Collective investment schemes
Futures dealers
Life insurers
Non-bank deposit takers
Trustee companies

Compliance bodies in Australia & New Zealand

AUSTRAC is the sole supervisor in Australia and there are three supervisors of the AML/CFT regime in New Zealand. Please contact your appropriate supervisor to confirm whether you are required to comply.

AUSTRAC

Australia’s sole AML/CTF regulator
The Reserve Bank

Supervises banks, life insurers and non-bank deposit takers
The Financial Markets Authority

Supervises issuers of securities, trustee companies, futures dealers, collective investment schemes, brokers and financial advisers.
The Department of Internal Affairs

Supervises casinos, non-deposit taking lenders, money changers and other reporting entities that are not covered by the Reserve Bank or Financial Markets Authority.

Who else should use Cloudcheck?

Cloudcheck can be used by any organisation that needs to verify the identity or age of its customers for a legitimate business purpose. Learn about Phase 2 entities.

Examples of non-financial services businesses that can use Cloudcheck include:

Accountants
Community services groups
Industry training organisations
Lawyers
Liquor stores

Online auction sites
Online gambling sites
Peer-to-peer services
Real estate agents
Recruitment agencies

We have a large range of global data sources available to verify your customer against and we regularly add new sources to improve pass rates. We allow you to choose which of these sources to use, and in which order to check them. If there is a data source not listed here that you would like to use, please get in touch and we’ll see what we can do.

Source	Data checked
Australian Government ID	Name and date of birth
Australian Credit Bureau	Name and address
Australian Electoral Roll	Name and address
Australian (Other)	Name and address
New Zealand Government ID	Name and date of birth
New Zealand Bank Accounts	Name and address
New Zealand Credit Bureaus	Name and address
New Zealand Property Data	Name and address
New Zealand Telephone Directory	Name and address
New Zealand (Other)	Name and address
China Government ID	Name and date of birth
India Government ID	Name and date of birth
South Africa Government ID	Name and date of birth

Cloudcheck can perform real-time PEP and Sanction checks via Dow Jones & Company, Inc., a provider of business news and information services.

Dow Jones PEP & Sanctions checks provide global coverage of:

Politically Exposed Persons (PEP)
Relatives and close associates (RCA)
International government sanction lists and watchlists
Persons linked to high profile crime

Using the Dow Jones service through Cloudcheck gives you access to a global database of local and international sanction lists, supplemented by news sources from over 200 countries and more than 500,000 news stories reviewed daily for relevant content. Sanctions data is refreshed every eight hours to ensure you’re always up to date with the latest developments.

With Cloudcheck, you can set your own parameters to meet your risk appetite and reduce false positives. The potential results can be investigated, downloaded into your CRM and/or saved in PDF format for ease of record keeping. Each result is assigned a unique code, allowing you to whitelist false positives when re-screening your customers.

PEP and Sanction checks are available via all Cloudcheck products and can be used as part of an identity check or as a stand-alone service.

We believe you should only pay for data you consume. We let you decide which databases are checked, and in which order. Once we achieve a verification pass, we stop checking, in order to minimise your costs.

Identity checks from	PEP checks from
$1.00	$0.25

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Electronic identity verification (EV) and AML services for businesses in New Zealand and Australia.

Know your customer made easy.

Cloudcheck Direct

Sign up now

Cloudcheck API

Sign up now

Cloudcheck Live

Sign up now

IDscan

Sign up now

Cloudcheck Go

Sign up now

Cloudcheck w/ Akahu

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Document Checker

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Cloudcheck Tree

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Cloudcheck Pay

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Cloudcheck Bulk

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Why choose Cloudcheck?

Who needs to comply?

Who else should use Cloudcheck?

Our identity data sources

PEP & Sanction checks

How much does Cloudcheck cost?

Cloudcheck is used by

Let us meet your identification verification needs

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