Cloudcheck Direct
Stand-alone web app
Know your customer made easy.
Cloudcheck is an electronic identification verification (EV) tool that allows you to verify the identity of your customer using biometric checks, Australian and New Zealand data sources and global watchlists in one easy step.
Whether your organisation 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 of your customers for another business purpose, Cloudcheck is the most flexible and accurate solution available to assist with this.
Please get in touch to arrange a no-obligation demo and a free trial.
Cloudcheck can be used in several different ways:
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
Your customer completes your existing application process. A member of your team signs into the Cloudcheck Direct site from any browser or smart device and enters the customer’s details that you collected. Cloudcheck performs the necessary checks against your pre-selected data sources and PEP & Sanction lists. Your operator is presented with a summary of 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.
Cloudcheck Direct can also be used for performing PEP & Sanction checks.
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 at the application level for real-time verifications.
Customer begins the financial 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 the application process, your application sends the required customer details to 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.
APIs are also available for Cloudcheck Live and PEP & Sanction checks. Request access.
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 Live
Cloudcheck Live is an optional add-on that captures, and bio-metrically matches, images of your customer’s identity document and of their face, to ensure a greater level of confidence in their identity.
You direct your customer to Cloudcheck Live via a secure link
Your customer is prompted to take pictures of their ID document and face via their device’s camera
The images are automatically checked for authenticity, matched for likeness, and attached to the customer’s verification record
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 and multiple images of their face. If a camera cannot be accessed the customer is given the option of uploading existing images from their device. Once the images have been captured, they are automatically matched for authenticity, liveness and likeness before being returned to you via the API or Direct and, if applicable, attached to the customer’s verification file for you to review.
Cloudcheck Live can be used as part of the identity check or as a stand-alone process.
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 Go
Our Cloudcheck Go service enables you to send a secure link to your customer (optionally using our email system) allowing them to self-verify.
You securely upload your verification list and customise the email content
Your customer clicks the secure link in the email and self-verifies
After verification, you are presented with their status for your records
You upload your customers’ details and either generate a unique secure link or set the branded email parameters and test it. You then either send the customer the unique secure link from your email system or by using the branded emails. The customer clicks the secure link in the email and is directed to a Cloudcheck page featuring your branding, and populated with their personal details from your uploaded data file. The customer provides additional identifying data as required, then Cloudcheck performs the necessary checks against your pre-selected data sources and PEP & Sanction lists. If desired, the customer can then be directed to Cloudcheck Live to capture images of their face and identity documents. The results can be downloaded or printed for your records from Cloudcheck Direct.
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 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 financial application process on your site
You securely upload a spreadsheet of customer data via Cloudcheck Direct
After verification, the results are available for download
Your customers complete your existing application process. A member of your team copies their details into an excel spreadsheet, signs into the Cloudcheck Direct site from any browser or smart device and securely uploads the customer’s 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.
You can also perform Bulk PEP & Sanction checks using this upload method.
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.
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.
-
Cloud hosted for scale
As new data sources become available, Cloudcheck makes these available without the need for further integration.
-
Secure by design
No personal data is retained by us during the processing of verification transactions. We store the outcome of each transaction only.
-
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 upon 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 documentation or pre-registration is not required.
-
Desktop & mobile
Standards-compliant approach ensures verifications can be conducted no matter what device 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 the customer verification.
-
High success rate
Our proprietary matching algorithms mean high customer verification pass rates. Ask us 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
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 us?
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 are:
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
Our data sources
We have a large range of New Zealand and Australian 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 |
|---|---|
AUS Passport (DVS) |
Name and date of birth |
AUS Driver's Licence (DVS) |
Name and date of birth |
AUS Medicare Card (DVS) |
Name and date of birth |
AUS Other Documents (DVS) |
Name and date of birth |
NZ Driver’s Licence (NZTA) |
Name and date of birth |
NZ Passport (DIA) |
Name and date of birth |
NZ Birth Certificate (DIA) |
Name and date of birth |
NZ Citizenship Certificate (DIA) |
Name and date of birth |
NZ Car Registration (NZTA) |
Name and address |
NZ Companies Office |
Name and address |
NZ Credit Bureau |
Name and address |
NZ Land Registry |
Name and address |
NZ White Pages |
Name and address |
PEP & Sanction checks
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.
What will I pay?
Please contact us for more information, a demo or a free trial.
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 |
|---|---|
| $1.25 | $0.10 |
Cloudcheck is used by
