Overview
Proof of Address (PoA) collection is the process of gathering and verifying evidence of a client's residential address as part of Client Due Diligence (CDD).
Legl supports two methods of proof of address collection: automated verification and manual collection. This gives firms flexibility to choose the right approach for each client and workflow.
What you can use Proof of Address collection for
Verify a client's address as part of standard or enhanced CDD
Meet AML and KYC obligations for both UK and international clients
Collect address evidence for clients where database matching is unavailable
Support in-person onboarding as well as remote client journeys
Add address verification to workflows that do not include a full CDD check
How Proof of Address collection works
Legl offers two approaches to proof of address collection. These can be used independently or together, depending on your workflow and the client's circumstances.
Automated Proof of Address Verification
The client uploads a proof of address document, such as a utility bill, bank statement, or government letter, via their secure Legl link. Legl automatically analyses the document against four data checks:
Data Comparison: does the name and address on the document match the client's details?
Document Classification: is the document type supported and within the required date range for that jurisdiction?
Image Integrity: is the image quality sufficient for verification?
Source Integrity: are there any signs of tampering or forgery?
Results are returned instantly as Clear or Consider. Automated verification is available across 80+ countries and adapts dynamically to local document requirements.
ℹ️ Important
Proof of Address verificaton is a charged feature. For pricing, please contact our support team.
Manual Proof of Address Collection
For clients where automated verification is not required, or where you need to collect address evidence as part of a non-CDD workflow, Legl also supports manual collection. The client uploads a document via their Legl link, and your team reviews it directly in the platform. No automated checks are applied.
Manual collection can be added as a standalone workflow step or included within a CDD workflow.
Cost: Manual proof of address collection is free. No charge is applied when a document is collected without automated verification.
ℹ️ Important
If a client's country is not supported by automated verification, Legl will automatically fall back to manual document collection at no additional cost to your firm.
When to use each method
Method | When to use it |
Automated verification
Charged | When you want Legl to analyse and verify the document automatically. Ideal for high volumes, international clients, or where additional fraud detection is required |
Manual collection
Free | When you want to collect a document for your team to review, without automated checks. Suitable for lower-risk clients or workflows where a separate document review process is in place |
How Proof of Address fits into your workflows
Proof of address collection can be used in several ways within Legl:
As part of a CDD workflow: add automated PoA verification or manual collection as a step within a Standard or Basic CDD workflow, including NFC workflows
As a standalone module: add proof of address as an independent step in any workflow, including those that do not include a CDD check
For in-person checks: complete a proof of address check in person with a client present, rather than via a remote link
ℹ️ Important
If you add a standalone Proof of Address step to a workflow that already includes automated PoA verification within a CDD step, the client will be presented with two separate proof of address steps. To avoid this, use the PoA step within the CDD workflow rather than adding it separately.
Where to find Proof of Address in Legl
Proof of Address is configured within your workflows. You can access workflows under Engage → Workflows, or by clicking Run In-Person CDD.
Permissions and access
Only users with Administrator access can create or edit workflows that include Proof of Address steps.
All users with access to Engage → Individuals can view Proof of Address results in client records.
Important information
Automated PoA verification is charged per document verified. Manual collection is free.
Automated PoA verification supports 80+ countries. For unsupported countries, Legl automatically falls back to manual document collection at no extra cost.
Accepted document types and date requirements vary by jurisdiction. Firms cannot customise which documents are accepted.
Proof of address verification supports AML compliance but should be used alongside other CDD checks such as identity verification, PEPs and Sanctions screening, and Source of Funds.
All proof of address results are included in the downloadable CDD report.
Legl does not make compliance decisions. Your firm is responsible for reviewing results and determining the appropriate next steps.