Overview
Custom risk rules are built from your firm's own risk policy and are a paid add-on. This guide lists the Custom rules you can set up, grouped by area, what each one checks, and the action it takes by default.
Our Launch team sets up your first rules with you. After that, your admins can change which rules are on and what each one does. Universal rules, which are free for every firm, are covered in a separate guide.
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Speak to our team to find out what Custom Risk Rules could do for you.
What a rule can do
When a rule's conditions are met, it takes one action. You can change the default to any action available for that area.
Mark the application as consider: the request is flagged for your team to review.
Mark the application as clear: the request clears automatically, even if a check would otherwise need review.
Ask the client to put something right: Legl asks the client to fix it while they complete their request. These actions are:
Ask for the correct identity document
Ask for a signed passport
Require a two-document identity check
Ask for a different proof of address
Require an additional proof of address
Ask for a bank statement
Actions that ask the client to put something right may run additional checks at your standard rates. You set how many attempts a client gets in Configure > Document retry attempts.
ℹ️ Further guidance
Identity Verification
Available actions: Mark the application as consider, Mark the application as clear, Ask for the correct identity document, Ask for a signed passport, or Require a two-document identity check.
Rule | What it checks | Default action |
Expired passport | The passport has expired. | Ask for the correct identity document |
Identity document out of date | The identity document is out of date. This covers any type of identity document, not only passports. | Ask for the correct identity document |
Identity document not on accepted list | The document is not one your firm accepts. You choose the accepted types, such as passport, driving licence, national identity card or residence permit. | Ask for the correct identity document |
Provisional driving licence used as ID | A provisional driving licence is used as the identity document. | Ask for the correct identity document |
Unsigned passport | The passport has not been signed. | Ask for a signed passport |
Unsupported identity document upload | The upload is not a supported identity document, for example a photo of the wrong document. | Ask for the correct identity document |
Entered details do not match the document | The details the client typed differ from the details on their document, often a typo. | Mark the application as consider |
Recently issued identity document | The passport, driving licence or national identity card was issued within the window you choose: 30, 60, 90 or 180 days (default 90). | Mark the application as consider |
Foreign-issued driving licence | The driving licence was issued outside your firm's country. | Mark the application as consider |
International client with only one form of ID | An international client has provided fewer than two forms of identity. | Mark the application as consider |
Date of birth does not match the ID | The date of birth the client gave differs from the one on their identity document. | Mark the application as consider |
Name does not match the ID | The client's name differs from the name on their identity document, for example a maiden or married name. | Mark the application as consider |
Scanned or copied identity document | The upload is a scan, screenshot, photo of a screen or printed copy, not a live photo of the original. | Ask for the correct identity document |
Proof of Address
Available actions: Mark the application as consider, Mark the application as clear, Ask for a different proof of address, or Require an additional proof of address.
Rule | What it checks | Default action |
International client with only one proof of address | An international client has provided fewer than two proofs of address. | Require an additional proof of address |
Name on proof of address does not match the ID | The name on the proof of address differs from the name on the client's identity document. | Require an additional proof of address |
Same document used for ID and proof of address | The client used one document for both checks, typically a photocard driving licence. | Require an additional proof of address |
Proof of address older than allowed window | The proof of address is older than the window you choose: 1, 2, 3 or 6 months (default 3). | Require an additional proof of address |
Proof of address not on accepted list | The document is not one your firm accepts as proof of address. You choose the accepted types. | Require an additional proof of address |
Unsupported proof of address upload | The upload cannot be used as proof of address at all. | Ask for a different proof of address |
Screen capture submitted as proof of address | The upload is a screenshot or photo of a screen rather than an original document. | Ask for a different proof of address |
Credit-card statement as proof of address | A credit-card statement is used as proof of address. | Require an additional proof of address |
Rejected bank-statement subtype | The bank statement is a type your firm does not accept, such as a cover letter or prepaid card statement. You choose the types to reject. | Ask for a different proof of address |
Rejected council-tax subtype | The council tax document is a type your firm does not accept, such as a payment arrangement, reminder or summons. You choose the types to reject. | Ask for a different proof of address |
Rejected mortgage-statement subtype | The mortgage document is a type your firm does not accept, such as a cover letter or redemption statement. You choose the types to reject. | Ask for a different proof of address |
No bank statement when two proofs of address are needed | The workflow asks for two proofs of address and neither is a bank or building society statement. This rule can only ask for a bank statement. | Ask for a bank statement |
Watchlist Screening
Available actions: Mark the application as consider, or Mark the application as clear.
Rule | What it checks | Default action |
Confirmed PEP at a UK firm | A reviewer has confirmed the client is a politically exposed person, and your firm is UK-based. | Mark the application as consider |
Confirmed PEP for an international client | A reviewer has confirmed the client is a politically exposed person, and the client's country is different from your firm's. | Mark the application as consider |
Fraud Check
Available actions: Mark the application as consider, or Mark the application as clear.
Rule | What it checks | Default action |
Match against a known-fraud database | The client matches a fraud-prevention database. The client cannot fix this by resubmitting. | Mark the application as consider |
Basic Information
Available actions: Mark the application as consider, or Mark the application as clear. The international client and high-risk third country rules can also Require an additional proof of address, or Require a two-document identity check.
Rule | What it checks | Default action |
Client from a country the firm watches | The client is from a country your firm has chosen to treat as higher risk. You choose the countries. | Mark the application as consider |
Client is under the minimum age | The client is younger than the age you choose: 16, 18 or 21 (default 18). | Mark the application as consider |
Client is international to the firm | The client's country is different from your firm's country. Checked as soon as the client submits their details. | Require an additional proof of address |
Client from a high-risk third country | The client's country is on the platform's high-risk list and is not your firm's own country. | Mark the application as consider |
NFC
Available actions: Mark the application as consider, or Mark the application as clear.
Rule | What it checks | Default action |
NFC check received insufficient evidence | The NFC identity check is missing some or all of the required documents. | Mark the application as consider |
Source of funds
Available actions: Mark the application as consider, or Mark the application as clear.
Rule | What it checks | Default action |
Client declared a monetary gift | The client declared a monetary gift as a source of funds. | Mark the application as consider |
Client declared an overseas monetary gift | The client declared a monetary gift funded from overseas. | Mark the application as consider |
Important information
Custom risk rules are a paid add-on. To get started, select Get a quote for custom rules at the top of the Risk rules page.
You choose which rules apply and what each one does, based on your firm's risk policy.
Checks that run once a request reaches review, such as a screening match or a source of funds shortfall, are set up as Procedures.
The set of available rules grows over time. If there is a rule your firm needs that is not listed here, let us know.
If you need more help
If you have a question about Custom risk rules, contact our Support team.