Stand-alone web app
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.
Web portal, email, SMS, API, and 3rd party integration options are available, and along with flexible price plans (including a user pays option) there is a Cloudcheck solution to meet your specific business requirements and budget.
Cloudcheck is made in New Zealand by Verifi Identity Services, a Deloitte Technology Fast 500™ Asia Pacific company.
Cloudcheck can be used in several different ways:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
You upload an image of a Passport via Direct or the API
The data is extracted and compared for consistency and accurate check digits
The result is returned for your records
An anti-fraud measure that allows you to upload an image of a Passport via Cloudcheck Direct or the API and have it automatically checked for consistency between the MRZ code on the bottom the Passport with the information contained above in the main section. Checks are also carried out on the ‘check digits’ and country of issue shown in the MRZ code.
Once complete, a report is returned that can be viewed on screen, read is the API or downloaded in PDF.
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.
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.
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.
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.
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.
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.
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.
After verification, you are presented with their status for your records
Download the PDF result with the additional forms automatically attached
Complete your approval process
When the result of the verification meets your predefined criteria, additional pages will be added to verification result PDF.
You can then download and print this result and use this combined form as your compliance sign off or any other purpose you see fit. 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 Forms can be used with all Cloudcheck products including Cloudcheck Direct and Cloudcheck Go.
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.
Implement EV with ease and save on costs by not having to conduct upgrades when new data sources become available.
As new data sources become available, Cloudcheck makes them available without the need for further integration.
No personal data is retained by us during the processing of online ID verification transactions. We store only the outcome of each transaction.
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.
Include your logo and colour palette to ensure a consistent brand experience 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.
Our standards-compliant approach ensures verifications can be conducted no matter what device or wi-fi speed is used.
Assists businesses in complying with New Zealand AML/CFT and Australian AML/CTF legislation.
Our transparent pricing model means your organisation only pays for the data sources you opt to check against.
PEP and Sanction checks can be automatically run at the same time as customer verification.
Our proprietary matching algorithms mean high customer verification pass rates. Complete the contact form below to ask about the pass rate for your industry.
Reduce administration costs and increase conversion rates leading to greater profitability with a streamlined process that is simple for you and your customer.
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:
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.
Australia’s sole AML/CTF regulator
Supervises banks, life insurers and non-bank deposit takers
Supervises issuers of securities, trustee companies, futures dealers, collective investment schemes, brokers and financial advisers.
Supervises casinos, non-deposit taking lenders, money changers and other reporting entities that are not covered by the Reserve Bank or Financial Markets Authority.
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:
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 |
Complete this form and we’ll get right back to you…