Understanding Data Sources in Legl’s Australian CDD Reports

Legl verifies Australian identities using government, credit, and commercial data sources to meet AML/CTF and safe harbour standards.

Our system leverages multiple trusted data providers - including FrankieOne, Equifax, and ComplyAdvantage; depending on the individual’s address and document type.

To satisfy AUSTRAC’s “safe harbour” 2+2 requirement, an identity must be verified by confirming two pieces of personal information (e.g. name + address or name + date of birth) against at least two separate, reliable data sources.

Legl verifies Australian identity documents using the Document Verification Service (DVS) - the official government system that confirms document details directly with the issuing authority.

✅ These checks confirm that an ID is valid, genuine, and not reported lost, stolen, or expired, helping firms meet AUSTRAC’s safe harbour standards.

The DVS enables real-time verification of government-issued identity documents against authoritative databases.

To use DVS through Legl, your firm must first be registered with the DVS.

Under AUSTRAC’s safe harbour rules, firms must verify an individual’s identity by confirming two pieces of personal information (for example, name + address or name + date of birth) against at least two separate data sources.

This is often referred to as the “2+2” rule and provides a compliant, risk-based standard for customer due diligence.

Legl’s CDD reports are designed to automatically meet this requirement by combining verification across multiple trusted sources.

Legl supports verification of a wide range of Australian identity documents, helping firms meet AUSTRAC’s 2+2 and safe harbour requirements.

✅ Supported documents include:

These documents are verified in real time against the issuing authority through the Document Verification Service (DVS).

Legl uses Onfido’s biometric technology to confirm that a client’s identity document belongs to a live, real person.

✅ These checks protect against fraud, identity theft, and AI-generated deepfakes.

During the verification process, Legl’s system analyses:

This provides an additional layer of protection and supports compliance with safe harbour and AML/CTF obligations.

Yes - Legl can be used to perform VOI checks for clients outside Australia, but the scope of verification depends on the individual’s country of residence.

✅ UK citizens
Full identity verification checks are supported, including validation against government and commercial data sources.

✅ Other overseas residents
Legl performs an ID document verification (checking the authenticity of the document) but does not perform a full identity check against third-party data sources.

There are no specific changes to how watchlist screening operates for Australia - it follows the same process as other jurisdictions.

Legl uses ComplyAdvantage to screen clients against:

✅ These checks are updated continuously to ensure your firm’s screening meets AML/CTF obligations.

Legl uses Equifax to perform financial checks as part of the CDD process.

These checks provide insights into a client’s credit history, insolvency records, and financial standing, supporting broader due diligence and risk assessment obligations.

For AML screening, Legl uses ComplyAdvantage, a global provider of sanctions, PEPs, and watchlist data.

Our searches cover 1,000s of government, regulatory, and law enforcement lists, including:

Please contact [email protected] for any questions about data sources or verification methods used in your CDD reports.