ID & Fraud Services FAQ

Everything you need to know about our ID and Fraud services

Frequently asked questions


Credit Data

Does the ID Verification Product leave a Credit Foot Print?

  • No. But it does leave a soft ID footprint (with the associated company name) on the individual's credit file which should not affect their credit rating. (Only applies when the UK Credit Header item check is used.)

Do you need a client's permission to perform a check?

  • No. But the Information Commissioner's Office stipulate that you must have informed the client that an ID check will be performed utilising a 3rd party data source. We would suggest you make them aware that a "Soft footprint" will be left on their credit file. Further information is available on the Information Commissioner's website www.ico.org.uk.

Should we use Credit data as part of an AML check?

  • YES. We could recommend the use of Credit data as one PART of an ID or AML Check due to its coverage of the UK population.

Compliance

Does the ID Verification Product comply with Data Protection?

  • YES. The ID Verification service does not provide back any more information (other than listed telephone numbers), than entered by a client. It merely matches the given information against trusted data sources.

Can we access FULL electoral roll information?

  • YES. Only if you are using the service for the purpose of performing an Anti Money Laundering check.

Can we state that the ID Verification Product will meet a client's Anti-Money Laundering requirements?

  • NO. The AML regulations are "Risk" based, and as such all clients must decide if an electronic service such as the ID Verification Product helps to meet their specific needs. For further information regarding the AML regulations, please refer clients to the JMLSG or Law Society

Is it sufficient for a firm to use the ID Verification Product to meet their AML needs, without understanding the associated Profile and Scoring?

  • No. The regulations stipulate that where a firm uses a 3rd party service they must be able to articulate when asked how the service meets their "Risk based approach" to the regulations. GBGroup can provide a copy of a partner's "Template" Score Card for client reference on request.

Security

Is the Data Secure?

  • YES. The service uses web services technology when communicating. The ID Verification service is hosted in secure data centres.

Is the Service Resilient?

  • YES. The service is provided 24x7 with 99.5% ‘up-time' and is fully resilient with failover to an alternative site.

Data

Does The ID Verification Product include International Data?

  • The ID Verification service utilised by Jordans today includes data for England, Scotland, Wales and Northern Ireland, with limited data within the channel Islands. It does not include data for UK colonies such as Gibraltar.

Does The ID Verification Product access Passport Office and DVLA Data?

  • No. The Passport check verifies the information included within the Long MRZ passport number including an individual's Name, Gender, Date of Birth and Passport expiry date. A checksum is included for each piece of information along with a checksum of the checksums. The Driving License information also includes an individual's Surname, Initials, Date of Birth and Gender.

Will the Driving license item check work in Northern Ireland?

  • No. Northern Ireland has a unique driving license format which is not currently supported within The ID Product. Enhanced PEP Intelligence and Sanctions.

What has changed?

  • The number of data sets and individuals included within the item checks has increased significantly, including known associates and family members associated to a PEP, and global bodies for sanctions and law enforcement.

Why do the PEP and Sanctions item checks only match against an individual's name?

  • The PEP and Sanctions checks are a combination of multiple data sources with varying levels of data. To ensure all potential individuals are highlighted it is necessary to match at name level to then qualify further and discount any false positive results.

We hope that the FAQ's cover everything you need to know about our ID and Fraud services. If however your question is not answered here, please do not hesitate to contact us on 0117 918 1265 or email amanda_barnes@jordans.co.uk.

We also offer online demonstrations to help get you started.

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Talk to our expert


 Amanda Barnes


Amanda Barnes

Head of ID & Fraud Services
T: 0117 918 1265
E: amanda_barnes@jordans.co.uk

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