Personator Identity
Comply with Anti-Money Laundering (AML), Know Your Customer (KYC) & Know Your Business (KYB) Rules
Melissa’s Global KYC & AML Check in Personator Identity is designed for organizations that need high-quality, real-time electronic identity verification (eIDV). It’s delivered using a layered approach of checks to empower our clients with accurate intelligence from national and worldwide sources. The rapid authentication process will ensure the ability to safely onboard new customers with ease, while protecting your organization from fraudulent activity.
- Verify identities worldwide with reliable cross-matching capabilities & watchlist screening.
- Meet stringent compliance in areas of Anti-Money Laundering (AML), Politically Exposed Persons (PEP) & Bank Secrecy Act (BSA).
- Establish customer due diligence to gain a 360-view of your customers.
- Privacy is ensured with our commitments to GDPR, HIPAA, SOC 2 & more.
- Flexible & customizable to meet your business & consumer verification & compliance needs.
- Fully automated to speed up onboarding & reduce manual intervention from your team.
- Validate IBAN numbers in specific countries.
eIDV Capabilities
Contact Data Verification
Our leading address verification, name parsing, email & phone check are used individually. Verify, standardize, & transliterate addresses with a leading address engine. Verify emails to the mailbox-level. Ensure phones are live & callable. Over 6 million last names & 4 million first names are recognized. Names & address are verified before proof of address to get an exact match instead of a fuzzy match (a step that other providers like to skip).
Proof of Address
Connects a person's name to a specific address to confirm proof of address in real time. Proof of address is available in select countries including US, Germany & others. By leveraging 2.1 billion records, we perform a simple check to ensure the person actually lives at the provided address – a light-weight, quick check that goes a long way to providing enhanced fraud prevention.
eIDV, 2+2 & Mobile Doc Scan
eIDV: Perform full eIDV by verifying SSN, national ID & date of birth to prevent underage or consumer-not-present activities.
2+2: A more advanced mode of eIDV uses 2 different sources to corroborate & verify 2 pieces of information. Check a person's ID against relevant sources like electoral rolls or credit & court data.
Mobile Doc Scan: Verify that documents aren't forged or tampered with while allowing customers to securely submit identity information at any time. It features biometric facial recognition, advanced document type recognition & governance via the document onboarding portal. Plus, the Business Portal streamlines workflows for businesses to review & approve submissions with ease.
Sanction, PEP & Deceased Screening
An individual has 0 alerts after being screened through sanctions lists, Politically Exposed Persons, & other federal & international restricted party watchlists including an Adverse Media Screening. All reference data which a user is screened against is refreshed daily in our real-time environments. Scroll down for a full list of screening lists.
3 Key Differentiators
01/03
We are the Address Experts
Melissa’s 35+ years in address intelligence and data quality expertise is built into each verification layer we offer. Our deep domain knowledge is coupled with extensive datasets and strong partnerships with global postal authorities. We ensure the identity of a consumer or business is accurate starting with the foundation – contact data verification.
02/03
Our Data Quality Intelligence is Unmatched
Melissa is the only eIDV service that employs a data quality verification layer. We don’t simply match a name to a static list. We verify each piece of the identity puzzle in real time before it gets passed to the next step. This not only ensures the customer data is accurate, which has a multitude of benefits in itself, but also reduces the number of false positives and negatives that are returned while increasing matching rates.
03/03
Each Verification Layer Has a Dedicated Engine
Each layer has its own dedicated engine for correcting, parsing, and understanding names and addresses. We have the unique advantage of having separate data quality tools built into an all-in-one eIDV service. These crucial data quality abilities are missing from other identity verification solutions, but are absolutely integral to increase the matching accuracy.
Country Coverage
Melissa’s AML & KYC Check makes it extremely easy to verify contact data and comply with regulations, all while keeping the customer experience frictionless. Proof of address is included to verify that the person is matched to their residence and is included for select countries including US, Germany, Australia, and more. For countries that are not covered, the Contact Data Verification layer is still serviceable as a basic check.
See Country Coverage
Comprehensive Multi-Source Coverage
Melissa's Identity Verification has long supported verification through government, credit, commercial, and consumer sources. Now, with the addition of improved telephone sources, we have expanded our coverage to ensure even more thorough and accurate verification. This enhancement allows verification of telephone numbers and cross-referencing an individual's information, such as name, address, national ID, and date of birth, based on telephone sources. By leveraging these diverse data sources, we provide a comprehensive and reliable verification process that meets the varied standards of accuracy and compliance.
Watchlists & Sanctions List Screening
Politically Exposed Persons (PEP) Coverage for over 200+ countries and territories.
Negative News Check scans international media sources for negative or unfavorable news about an individual or business – providing titles, links and dates of news coverage.
View Watchlists & Sanctions
Know Your Business (KYB) Checks
Know Your Business (KYB) checks, part of Melissa’s eIDV service, matches businesses, addresses, & business IDs worldwide to ensure companies are working with a legitimate partner. This includes verification of business name, country-specific ID, status, type (e.g., “Corporation”, “Limited Liability Company”), and registration date.
Verify & Enrich
- Verify businesses for current/future B2B relationships & businesses with official government sources in multiple countries
- Enrich business information for select countries
Try Personator Identity Portal Checks Now
Select sample input below to see returned valid fields or process data here.
Sample Inputs
Address Result |
|
| Formatted Address |
Yewarsi N° 295 V9420 Río Grande ARGENTINA |
| Address Line 1 | Yewarsi N° 295 |
| Locality | Río Grande |
| Sub-Administrative Area | Río Grande |
| Administrative Area | Tierra del Fuego |
| Postal Code | V9420 |
| Country Name | Argentina |
Identity Result |
|
| Transaction ID | b03656f3-3958-4218-9dc2-1417d2af4779 |
| National ID | 36292328 |
| Date of Birth | 19790217 |
Name Result |
|
| First Name | James |
| Last Name | Bradley |
| Gender | M |
Address Result |
|
| Formatted Address |
14 Epernarra Closehawker ARANDA ACT 26414 AUSTRALIA |
| Address Line 1 | 14 Epenarra Closehawker |
| Locality | Aranda |
| Administrative Area | ACT |
| Postal Code | 2614 |
| Country Name | Argentina |
Identity Result |
|
| Transaction ID | 1502fc92-c8f4-44dc-a5e6-cbee5d32926a |
| National ID | 59120568 |
| Date of Birth | 19830217 |
Name Result |
|
| First Name | Juan |
| Last Name | Carlos |
| Gender | M |
Address Result |
|
| Formatted Address |
Avenida Padre Nazareno Lanciotti Jauru - MT 78255-000 BRAZIL |
| Address Line 1 | Avenida Padre Nazareno Lanciotti |
| Locality | Aranda |
| Administrative Area | ACT |
| Postal Code | 2614 |
| Country Name | Argentina |
Identity Result |
|
| Transaction ID | 1502fc92-c8f4-44dc-a5e6-cbee5d32926a |
| National ID | 59120568 |
| Date of Birth | 19830217 |
Name Result |
|
| First Name | William |
| Last Name | Campbell |
| Gender | M |
Address Result |
|
| Formatted Address |
251 King Edward St Glace Bay NS B1A 3W2 CANADA |
| Address Line 1 | 251 King Edward St |
| Locality | Glace Bay |
| Administrative Area | NS |
| Postal Code | B1A 3W2 |
| Country Name | Canada |
Identity Result |
|
| Transaction ID | 20cc9f3d-135e-4a53-a8e1-169697915e2e |
| National ID | 432199847 |
| Date of Birth | 19760912 |
Name Result |
|
| Last Name | 歌手麦当娜 |
Address Result |
|
| Formatted Address |
22 Hao Liuhua Lu Guangzhoushi China |
| Address Line 1 | 22 Hao Liuhua Lu |
| Locality | Guangzhoushi |
| Administrative Area | Guangdongsheng |
| Country Name | China |
Identity Result |
|
| Transaction ID | 4b585817-2049-4dae-acad-a2f1408e3163 |
| National ID | 362138197806010000 |
| Date of Birth | 19780601 |
Name Result |
|
| First Name | Simon |
| Last Name | Marmion |
| Gender | M |
Address Result |
|
| Formatted Address |
166 RUE DU GENERAL LECLERC 67540 OSTWALD FRANCE |
| Address Line 1 | 166 Rue du General Leclerc |
| Locality | Ostwald |
| Sub-Administrative Area | Strasbourg |
| Administrative Area | Bas-Rhin |
| Postal Code | 67540 |
| Sub-National Area | Grand Est |
| Country Name | France |
Identity Result |
|
| Transaction ID | ee68bd36-c43b-4559-ad4a-0e94e26cdfe0 |
| Date of Birth | 19690108 |
Name Result |
|
| First Name | Ernst |
| Last Name | Angel |
| Gender | M |
Address Result |
|
| Formatted Address |
Kaiserstr. 87 53721 Siegburg GERMANY |
| Address Line 1 | Kaiserstr. 87 |
| Locality | Siegburg |
| Administrative Area | Koeln |
| Postal Code | 53721 |
| Sub-National Area | Nordrhein-Westfalen |
| Country Name | Germany |
Identity Result |
|
| Transaction ID | b1dd56a5-99da-4d61-a029-fc9bd0e00074 |
| Date of Birth | 19750628 |
Address Result |
|
| Formatted Address |
20 F Pcw Tower Taikoo Place QUARRY BAY HONG KONG HONG KONG |
| Address Line 1 | 20 F Pcw Tower Taikoo Place |
| Locality | Quarry Bay |
| Sub-Administrative Area | Eastern |
| Administrative Area | Hong Kong |
| Country Name | Hong Kong |
Identity Result |
|
| Transaction ID | 92f85288-d642-491e-9657-2fc88d6470e2 |
| Date of Birth | 19730301 |
Name Result |
|
| First Name | John |
| Last Name | Ennis |
| Gender | M |
Address Result |
|
| Formatted Address |
39 BOROIMHE ROWAN SWORDS CO. DUBLIN K67 EW40 IRELAND |
| Address Line 1 | 39 Boroimhe Rowan |
| Locality | Swords |
| Administrative Area | Co. Dublin |
| Postal Code | K67 EW40 |
| Country Name | Ireland |
Identity Result |
|
| Transaction ID | f9046f4d-b4e3-47b3-88ed-acdc52e2b341 |
| Date of Birth | 18000101 |
Name Result |
|
| First Name | Gino |
| Last Name | Cervi |
| Gender | M |
Address Result |
|
| Formatted Address |
VIA AL BACCO 23823 COLICO LC ITALY |
| Address Line 1 | Via al Bacco |
| Locality | Colico |
| Sub-Administrative Area | LC |
| Administrative Area | Lombardia |
| Postal Code | 23823 |
| Country Name | Italy |
Identity Result |
|
| Transaction ID | 8da2b3fc-0a73-4459-9ea9-163526a7b997 |
| National ID | HRRPRC80H25H517A |
| Date of Birth | 19630614 |
Name Result |
|
| First Name | Grace |
| Last Name | Chia |
| Gender | F |
Address Result |
|
| Formatted Address |
21 Playfair Road Macpherson Industrial Estate Singapore 367988 SINGAPORE |
| Address Line 1 | 21 Playfair Road |
| Locality | Singapore |
| Postal Code | 367988 |
| Country Name | Singapore |
Identity Result |
|
| Transaction ID | aa3999e2-f61f-41c0-8e3b-8ec1ed37cd2b |
| National ID | S6971548F |
| Date of Birth | 19810627 |
Name Result |
|
| First Name | Félix |
| Middle Name | María |
| Last Name | Samaniego |
| Gender | U |
Address Result |
|
| Formatted Address |
Carrer De Les Medes 4 10 08023 BARCELONA (Barcelona) Spain |
| Address Line 1 | Carrer De Les Medes 4 10 |
| Locality | BARCELONA |
| Sub-Administrative Area | Barcelones |
| Administrative Area | Barcelona |
| Postal Code | 08023 |
| Sub-National Area | Cataluna |
| Country Name | Spain |
Identity Result |
|
| Transaction ID | 57d8c0cb-fccd-4b58-a49f-bce0e8de0ead |
| National ID | 12768106R |
| Date of Birth | 19750711 |
Address Result |
|
| Formatted Address |
101 Doral Ln Hendersonville, TN 37075-2603 United States of America |
| Address Line 1 | 101 Doral Ln |
| Locality | Hendersonville |
| Sub-Administrative Area | Sumner |
| Administrative Area | TN |
| Postal Code | 37075-2603 |
| Country Name | United States of America |
Identity Result |
|
| Transaction ID | f61cece4-01c6-4d0b-9683-249a61dbbb5c |
| National ID | 666706036 |
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