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Where is the Data Within a CDD Report Sourced?

Data sources and background information of CDD reports

Tess Brown avatar
Written by Tess Brown
Updated this week

In this article we will cover:

How are proof of identity searches conducted?

Legl uses Entrust Identity Verification, a third party provider of identity verification services to power our proof of identity searches.

The reports leverage different sources depending on the applicant country address which include:

  • Credit Agencies - Data comprised of consumer credit applications

  • Voting Register - Data comprised of voter registration within a country

  • Telephone Database - Data provided by both landline and mobile providers

  • Government - Any standard publicly accessible data collected by government entities. These include driver’s license data, motor vehicle registration, court filings, property ownership registers, permanent place of residence registration and other similar datasets

  • Business Registration - Data comprised of business registrations, corporate directors filings and business hierarchy data

  • Consumer Database - Opt-in consumer data leveraging database marketing and other similar opt-in data sources

  • Utility Registration - Data comprised of utility registrations such as electricity, gas, water accounts

  • Postal Authorities - Data provided by postal authorities

  • Commercial Database - These are corporate/private databases where users have opted-in and allowed for their information to be used for the purpose of verification of their identities

  • Register of Deaths - Negative source for known deaths (the UK only)

  • Mortality data – CAIS data for mortality flags, Millenium (also known as Halo) & the GRO for death certificates.

For further information about the checks Entrust runs, please click here.

We have also put together an article explaining the results of Legl's Proof of Identity reports here

How is an identity document verified?

Legl uses Entrust Identity Verification, a third party provider of identity verification services to power our Identity Document Verification.

Entrust Identity Verification’s Identity Document Check consists of a visual image scan, which analyses passports and other identity documents to verify that they are valid, and cross references the following databases:

  • Document issuing office

  • Database of lost, stolen or compromised ID documents

Legl supports the verification of ID documents from 150+ countries. For the full list please click here

How does Legl solve for Deepfakes or AI manipulation in identity verification?

When a client uses Legl's identity check service, they will be asked to upload a photo of their government-issued ID, such as a passport or driver’s license. Legl's software then analyzes the ID to ensure it is legitimate and matches the individual or business's information.

The software checks for various security features on the ID, such as watermarks and holograms, and uses OCR (optical character recognition) technology to extract information from the document, such as the individual's name, date of birth, and ID number. Legl also identifies whether the document has been recorded as lost, stolen, or compromised.

To combat identity fraud, Legl uses advanced techniques to detect and prevent deepfakes and AI-generated manipulation in both document uploads and biometric video checks. For ID uploads, the software conducts image integrity checks, texture and artefact analysis, and metadata validation to detect signs of digital tampering. For biometric video (e.g. face matching or liveness verification), Legl applies liveness detection and motion analysis to ensure that the video is of a real, live person rather than a synthetic or replayed recording. These tools help ensure the individual’s identity is authentic and secure against AI-driven fraud attempts.

How are the financial checks run?

Legl uses Equifax to provide our Financial Check information. Equifax is a leading consumer credit reporting agency, providing Legl with County Court Judgement & Insolvency information from across the UK.

Who are the data providers for AML, PEPs and Sanctions?

Legl uses ComplyAdvantage, a third party provider of AML, PEPs, Sanctions and Watchlist data to power our searches.

Legl's real-time searches cover 1,000s of global government regulatory and law enforcement watchlists and over 100 International and National Sanctions lists including:

  • Sanctions watchlists from governments and international organisations

  • Monitored lists from law enforcement and regulatory bodies (incl. terrorism, money laundering and most wanted lists)

  • Politically Exposed Persons

Example lists include:

  • Office of Foreign Assets Control (OFAC) Sanctions

  • United Nations Security Council Sanctions

  • Her Majesty’s (HM) Treasury List

  • EU Consolidated Sanctions List & EU Most Wanted Warnings

  • Bureau of Industry and Security

  • State Department Foreign Terrorist Organisations List and Non-Proliferation List

  • US DOJ (FBI, DEA, US Marshals, and others)

  • Interpol Most Wanted

  • CBI List (The Central Bureau of Investigation)

We are able to provide a list of each individual source on request.

For further assistance, please contact us at [email protected].

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