AML · AMLD6 · AMLA-ready

AML compliance built on government registries, not scraped data.

Sanctions, PEP, and beneficial-owner screening for EU obliged entities. AMLD6-aligned by design, AMLA-ready by 2026. The infrastructure beneath every onboarding decision and ongoing CDD review.

01 / Sanctions screening

Consolidated EU + global sanctions lists, daily refresh.

Every entity, UBO, and director cross-checked against the consolidated sanctions lists below. False-positive reduction via deterministic matching on identifiers, not just names.

EU consolidated
CFSP regulation
EU Council financial sanctions list, updated within 24h of publication. Covers asset freezes, financial restrictions, and sectoral measures.
OFAC SDN + sectoral
US Treasury
Specially Designated Nationals list, sectoral sanctions (SSI), and consolidated US sanctions lists. Critical for cross-border transactions.
UN Security Council
Global sanctions
UNSC consolidated sanctions list. Targets identified through UN Security Council resolutions.
UK HM Treasury
Post-Brexit UK sanctions
UK OFSI consolidated list, divergent from EU post-Brexit. Required for UK-touching transactions.
National lists
KNF / BaFin / AMF / FCA
National competent authority lists for Poland (KNF), Germany (BaFin), France (AMF), UK (FCA). Available on Enterprise tier.
02 / PEP screening

Politically Exposed Person checks with relationship-degree weighting.

Beneficial owners and directors cross-checked against curated PEP databases. Three-degree relationship graph (family, close associates) for enhanced due diligence on high-risk entities.

Why this matters: AMLD6 requires Enhanced Due Diligence (EDD) when a customer or UBO is a PEP, family member of a PEP, or known close associate. Most AML tools handle direct PEP matches but miss the relationship graph. Veritor flags second-degree (spouse, parent, sibling, child) and third-degree (in-law, known business associate) connections — the relationships that actually appear in financial-crime cases.

03 / Beneficial owner resolution

Government registries, not crowdsourced UBO databases.

CRBR (Poland)
Centralny Rejestr Beneficjentów Rzeczywistych
Native integration. UBOs declared to the Polish Ministry of Finance, with control percentages and relationship types.
PSC (UK)
People with Significant Control
Companies House PSC register. UK UBO data with ownership thresholds, control types, and statement-of-control records.
Transparenzregister (DE)
German BO register
German Transparency Register integration. Note: 2022 CJEU ruling restricted public access; Veritor's access is via authorised intermediaries for AML-purposed customers only.
Recursive chain resolution
Multi-level hierarchy
When a UBO is itself a company, Veritor follows the chain to a natural person — across cross-border holding structures, with each hop logged.
04 / FAQ

AML questions

How does Veritor differ from World-Check / Dow Jones Risk?

World-Check and Dow Jones aggregate news-based risk indicators and curated PEP lists. Their strength is breadth of risk-signal coverage. Veritor's strength is government-registry-anchored entity verification with cascade resolution. Many large banks use both — Veritor for the verification + UBO layer, World-Check for adverse-media risk feeds. Where you can't afford both, Veritor's pricing makes it the practical entry point.

What happens on a sanctions hit?

API returns sanctions_match: true with the matched list, exact match score, and matching rule (deterministic on identifier vs. fuzzy on name). Webhook fires immediately if you've subscribed. We never auto-block — you decide whether to escalate to manual review, decline onboarding, or proceed with EDD.

How do you handle false positives?

Three layers: (1) deterministic matching on LEI / KRS / VAT / company-number when available — zero false positives; (2) fuzzy name matching tuned to country-specific transliteration rules; (3) confidence threshold tunable per customer. Most customers see <2% false-positive rate, with sanctions hits investigated within an hour by Veritor's compliance team to confirm or downgrade before notification.

Are AML records suitable for AMLA inspection?

Yes. Every verification logged with timestamp, source list versions, match rule, and audit ID. Records retained 6 years by default, longer on request. Designed for direct inclusion in your AML record-keeping system. See EU regulatory alignment.

Brief our compliance team on your AML stack.

No-charge AMLD6 gap analysis for prospect compliance leads. Brings you a written assessment of how Veritor would fit your existing AML controls.

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