Engage Endpoints
A CDD report in Legl will deliver a pdf document with all of the results. Our APIs allow for a breakdown of those results to be deliver as metadata. This can be used for various purposes, the most common of which is to automatically mark a report with an overall result of clear as reviewed, thereby removing the need for manual intervention.
Responses> steps> results_data
Overall Result
To get an overall result as clear: fill in your own details and a non-UK address.
To get an overall result as consider: fill in your own details and any UK address.
Nested Results
There are then 5 more results nested under overall result. Firms in the past have wanted to use individual results to dictate further actions. For example if a PEP and Sanctions report comes back as consider, one might wish to trigger an enhanced due diligence workflow.
Below is an explainer of each result and how to simulate a clear, consider and not applicable outcome.
Result | Explainer | Clear | Consider | N/A |
id_data_validation_result | This check is validating and displaying the details of the ID document, that it is a form of ID that can be used and that the ID details match that given by the client. | Follow normal CDD journey | Put the last name as ‘Consider’ | N/A |
identity_validation_result | This check utilises credit agency data, voting register data, and telephone database data alongside mortality lists to verify an individuals’ identity. | Follow normal CDD journey | Put the last name as ‘Consider’ | If an address outside of the UK is supplied. |
biometric_results | This check is using various methods to verify the authenticity of the biometric video submitted by the client. | Follow normal CDD journey | Put the last name as ‘Consider’ | N/A |
peps_and_sanctions_result | This check surfaces if a client appears on a database as being sanctioned or if they are a political exposed person. | Follow normal CDD journey | Put in ‘Robert Gabriel Mugabe’ in the first name, middle name and last name fields, and have the DOB year as 1924 | N/A |
financial_checks_result | This check surfaces if the client has any county court judgements or checks against their record by a debt collection agency. | Input the following details: DOB: 12-05-1983 Address: 607 CROMWELL ROAD, ELY, CB6 1AS | Follow normal CDD journey | If an address outside of the UK is supplied. |
Business Endpoints
There are 3 possible reports that can be retrieved with our business endpoints: company, financial and sanctions reports. The company and financial reports do not have clear or consider, but sanctions reports do. Below is how to simulate clear and consider results.
API Docs: https://api.legl.com/v1/docs/#tag/Business-Endpoints/operation/businesses_sanctions_report_retrieve
Responses>overall_result
Results Title | Explainer | Clear | Consider |
overall_result | This check surfaces if a business appears on a database as being sanctioned. | Do a company search for Lush | Do a new business search for Coral Energy Limited or Company no. 10201045 |