Cloudcheck Direct
Stand-alone web app
Know your customer made easy.
Cloudcheck is a flexible electronic identification verification (EV) tool that allows you to verify the identity of your customer in seconds using biometric checks, Australian and New Zealand 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.
Web portal, email, SMS, API, SDK and 3rd party integration options are available, and along with flexible price plans (including no commitment and user pays options) 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.
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
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 & Sanction checks, triggering Cloudcheck Go & Cloudcheck Live request and 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 Cloudcheck Live, Cloudcheck Tree and PEP & Sanction checks. Request access.
Sign up now
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 SDK
Our iOS SDK and Android SDK enables you to integrate Cloudcheck quickly and simply into your app.
Customer begins the application process on your app
Your app opens up the integrated Cloudcheck screens to allow for ID verification and biometric checks
The customer is redirected back to your app along with the verification result
At the point in the application process that you wish to verify your customer, you redirect them using the Cloudcheck SDK, to the integrated Cloudcheck screens.
On these pages 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 for biometric checks.
At the end of the process, the customer is redirected back to your app to continue with their application process. 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.
If you would like access to the SDK, please get in touch.
Sign up now
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 ID document and of their face, to ensure a greater level of confidence in their identity. Includes automatic OCR text extraction.
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
The data is automatically extracted via OCR, and the images are automatically matched for likeness
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, 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.
Sign up now
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 via email or SMS allowing them to self-verify.
You securely upload 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 upload/enter your customers’ details to generate a unique secure link and set the branded email parameters if required. You then either send the customer the unique secure link from your email system, use our branded emails or via SMS.
The customer clicks the secure link and is directed to a Cloudcheck page featuring your branding, and populated with their personal details from the data you entered. The customer provides additional identifying data as required and gives their explicit consent for the check, Cloudcheck then 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. 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.
Sign up now
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 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.
Sign up now
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 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 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.
Sign up now
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 Hosted
Our Hosted API allows you to have the benefits of an API but with less integration work as the verification page is hosted by Verifi.
Customer begins the application process on your site
You redirect your customer to Cloudcheck to complete the verification
The customer is redirected back to your site and you are sent the verification result
At the point in the application process that you wish to verify your customer, you redirect them using the Cloudcheck Hosted API, to the branded Cloudcheck screens.
On these pages 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 for biometric checks.
At the end of the process, the customer is redirected back to your app to continue with their application process. 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 the integrated API, Cloudcheck Live, Cloudcheck Tree and PEP & Sanction checks. Request API access.
Sign up now
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 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.
Sign up now
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 Forms
Cloudcheck Forms allows you to add in additional pages to the verification result in order to bring your sign off or exception process neatly into one place.
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.
Sign up now
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?
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Simple integration
Implement EV with ease and save on costs by not having to conduct upgrades when new data sources become available.
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Cloud hosted for scale
As new data sources become available, Cloudcheck makes these available without the need for further integration.
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Secure by design
No personal data is retained by us during the processing of verification transactions. We store the outcome of each transaction only.
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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.
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Branding options
Include your logo and colour palette to ensure a consistent brand experience for your customers.
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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.
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Desktop & mobile
Standards-compliant approach ensures verifications can be conducted no matter what device is used.
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Legal compliance
Assists businesses in complying with New Zealand AML/CFT and Australian AML/CTF legislation.
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Cost effective model
Our transparent pricing model means your organisation only pays for the data sources you opt to check against.
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Automated PEP checks
PEP and Sanction checks can be automatically run at the same time as the customer verification.
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High success rate
Our proprietary matching algorithms mean high customer verification pass rates. Ask us the pass rate for your industry.
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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.
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AUSTRAC
Australia’s sole AML/CTF regulator
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The Reserve Bank
Supervises banks, life insurers and non-bank deposit takers
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The Financial Markets Authority
Supervises issuers of securities, trustee companies, futures dealers, collective investment schemes, brokers and financial advisers.
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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 Centrelink Cards (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 × 2 |
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
Proud to be named in the Deloitte Technology Fast 500™ as one of Asia Pacific’s fastest growing tech companies.
