Calmony - AML Checks

You can run Anti-Money Laundering, Sanctions, ID and Right to Rent/Work checks through Calmony, in conjunction with Credas.

On any Payee's profile, ors you'll find a new AML & ID Check widget, where you can begin a check for a person you've not checked before, open the details of an ongoing or completed check, and also see the overview status of that check at a glance. In most cases, you'll see one of these statuses from here:

On the top-right of this widget you'll find a Play button, with a link to the video below, explaining how the service works, and what your clients can expect to see when receiving a request to complete a check.

There are multiple ways to begin the check. You'll find the option under the Action in the top right of a person's profile, then 'AML, R2R & ID Check'. Alternatively, you can just click the 'Perform Check' button on the AML Widget;

• AML, R2R & ID Check

Checking the status of a check

You'll also see a new section in the left-hand ladder of all person profiles, titled AML & ID Checks, where you can click in to see the status of ongoing or completed checks:

You can click into an individual check to see more information about its status. The details shown here will regularly update with the latest information from Credas. Checks can also be cancelled from this menu using the Cancel option.

Notes on the left will show any changes that have taken place, and once a check has been completed a copy of a PDF report will appear under Documents on the left, showing what your client has submitted as part of the check.

Check Types

Through Credas we offer several different levels of checks. For Tenants, to comply with the new Financial Sanctions regulations, you must at the minimum perform, ID checks, Bank Account checks, and International Sanctions. Additional checks are also available if required, such as Right to Rent, Mortality checks, Address and DoB matching:

• Address and date of birth - Provides checking of address and date of birth against the UK Electoral Roll and Credit Header. 
• Mortality - Checks the UK deceased database. Provides checking of a first and last name at an address against the registered deceased persons database.
• International PEP - Provides authentication against Politically Exposed Persons list from across the World. This includes family Politically Exposed Persons. 
• International and Financial Sanctions - Provides authentication against multiple sanctions and enforcement lists across the world. 
• Proof of Ownership - Confirms individual is registered as proprietor of property, if property is held in sole or joint ownership and confirms title number
• Credit Status - Confirms if the individual is a company director and has any current bankruptcy or CCJ entries on their credit file
• Bank Account Check - Confirms that the bank account details are registered against the individual’s name, Address and DOB

Please note: ID Verification is a required option on all custom check types.