When a client completes an Engage request, Legl generates a Client Due Diligence (CDD) report. This report brings together the results of automated checks run on your client's identity, financial background, and watchlist screening status.

This article explains what each section of the report covers and what the different result statuses mean.

A CDD report covers five checks, grouped into three areas. The first three checks relate to confirming your client's identity and are run together as part of the same process.

Each section of the report shows one of three result statuses.

The check was completed successfully and no concerns were identified. No further action is required for that section.

The check could not be fully verified and requires your review. A Consider result does not mean your client is fraudulent. It means something could not be conclusively confirmed, and additional context or documentation may be needed before you can reach a decision. Your firm's risk-based approach determines what action to take.

The check could not be run, typically because the client has a non-UK address. In these cases, Legl automatically prompts the client to upload a supporting document for manual review instead.

Three checks are run to confirm that your client is who they say they are.

ID Document Validation

Legl checks that the identity document your client uploaded is genuine and matches the information they provided. This includes checks on document features, expiry status, and whether the details on the document match what the client entered during the request.

Identity Validation

Legl checks your client's name, date of birth, and address against third-party data sources including credit agencies, the electoral roll, and telephone databases. This check confirms that the individual exists as described and is associated with the address they provided.

Biometrics

Legl checks that the person completing the request is a real, live individual whose face matches the identity document they uploaded. This includes liveness detection to prevent spoofing or the use of a static photograph.

Legl checks for county court judgements (CCJs), debt collection activity, and whether a record for the individual can be found in credit agency data. This check is only available for individuals with a UK address. Clients with a non-UK address will receive an N/A result for this section.

Legl checks your client against global sanctions lists, Politically Exposed Person (PEP) datasets, adverse media sources, and law enforcement lists. This check applies to all clients regardless of their location.

CDD reports are accessible from the Engage section of your Legl dashboard. Open the relevant Engage request and select the report to view the results. You can also download a PDF version of the report for your records.