AML Real Time Screening

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Overview

AML Real Time Screening matches your customer or business relation data with data in provided central sanction lists and/or lists containing Politically Exposed Persons (PEP) and Relatives and Close Associates (RCA). PEP and RCA commonly referred to as PEP from here on. All screening results which contain one or more matches must be properly evaluated and validated, before proceeding to business processes for how to handle either PEP or Sanction persons or companies.

AML RTS consists of 4 endpoints for screening purposes:

AML Person Screening
AML Person Screening with identification
AML Company Screening
AML Company Screening with identification

AML Company Screening with identification provides Beneficial Owner and Board Member lookup with simultaneous screening of all added entities.

The national id number of a person and registration id of a company are used for identification, therefore both endpoints with identification must be requested with those numbers, as well as the nationality of the id number. These values are validated for Norway, Sweden, Finland and Denmark. Requests without these numbers result in defaulting to name screening as with the endpoints without identification.

AML Person Screening with identification works currently only for SE individuals.

Authentication

To use the AML Real Time Screening API you need a client ID and a secret. Dun & Bradstreet uses OAuth2 for authentication. More information https://www.dnb.com/en-gb/developers/authentication/#expand-anchor-first-anchor.

Get Started

You'll need 3 things to get started:

API Key
Client secret
Dun & Bradstreet Direct Plus credentials

Contact Nordic2ndLine_support_api@dnb.com if you don't have them yet.

For easy access we have provided you with a postman collection: https://github.com/Bisnode/rts-postman.

Match quality

Be aware that screening results with one or more matches may very well be a false match; it is not unlikely that some of your business relations or customers has the same or closely resembling name and same birth date as a listed person, without them actually being the same person as present in the list.

Name matching algorithm with Trapets screening

The following characters are allowed but ignored before the matching process is started: *()[]{}~.,'+?\"^\\<>

Two modes are currently supported: “exact mode” and a “fuzzy” matching mode.

For every keyword (name part) that is submitted the search result narrows. The search result will narrow additionally if you submit birthdate. Information about date of birth, year of birth etc may or may not be present in the sanction lists. There may also be information about more than one date (and year) in the same match. These are all returned in the field “birthDateInfo”. There may even be a non-specific date, but just a range of years or range of complete birth dates. The logic matches also against these ranges and adjusts the matchIndicator accordingly.

Exact mode

In the Exact mode of match logic (that is the same as the current system) all name parts in a query must match a post, i.e. person or entity, on the list for a match to be generated. The internal order of the keywords does not matter – the search algorithm checks that every name part matches. "Persson Göran" is a match for "Göran Persson".

The hit must match the exact spelling of the name that is sent in the query. Annie Löf will not generate a match for the list post Annie Lööf.

Hyphen is something the search algorithm ignores (a so-called noise word), so Anna-Karin will match both someone named Anna Karin and Anna-Karin, however Anna-Karin will not generate a match for someone named AnnaKarin.

When it comes to the letters: å, ä, ö – if you search on Goran Persson, you will receive a match for Göran Persson. It does not matter if you spell Göran with o or ö, both spellings will generate a match.

Fuzzy mode

A name similarity for the name in the request and the name or names in the lists. This is done in several steps:

Distance calculations are made for each searched name part and the closest corresponding name part in the list item. Distance is calculated using the Levenshtein distance algorithm.
The distances for each name part are weighted by the number of letters in each part. The distance for a longer name part has greater impact on the total distance than the distance for a shorter name part.
The total distance is reduced with a penalty of 5% if the list item contains one more part than the searched number of name parts.
The total distance is reduced further with a penalty of 3% if the list item contains two more parts than the searched number of name parts.
The total distance is reduced further with a penalty of 2% if the list item contains three more parts than the searched number of name parts.

Phonetic resemblance is determined by the Metaphone3 algorithm.
When “fuzzy” is enabled it is recommended you supply more than one keyword (name part). Otherwise the number of false positives might become overwhelming. To improve the results of your hits use a combination of name and birth date whenever possible.

All matches with nameMatchValue lower that 0.6 will be ignored (unless there is a match by national id only).

Name matching level (nameMatchLevel) and Name match value (nameMatchValue)

The name matching level (mode) may be set by the “nameMatchLevel” argument in the request. A lack of this argument, or the value set to 0, results in the default “exact” level. Any value above will enable the “fuzzy” mode. Be prepared for the future enhancements by using the value of 5.

The response will contain a “nameMatchValue” in which ranges from 0.0 to 1.0. The higher the value is, the better the match was.

Match by nationality is currently only available for Swedish persons.

DnB Europe performs the matching with ElasticSearch framework, using a combination of different algorithms to support fuzzy matching (recognizing typos, spelling variations, etc.) and phonetic similarity. DnB Europe applies own match indicator and similarity score to the matching results to help compare input and output and recognize false matches, i.e. persons or companies that resemble the listed ones, but are not the same.

Match indicator

DnB Europe match indicator shows based on what parameters the match was done.

For example, match may be made based on name only, when name in the request is the same or similar to the name in the response. The match may be made by name in combination with a birthdate, when name and birthdate of the person in the request match the name and birthdate of a person on a PEP or sanctions list.

Request may contain different parameters: name, birthdate, national identification number, but a match may be done on one parameter only, e.g. name.

Match indicator is a value, described in the table below.

Value	Description	Interpretation
125	BY_NAME: Match is made on name only. Match is equal to the main name or one of the aliases.	Low match grade.
140	BY_NAME_AND_YEAR_RANGE: Match is made by name and year of birth, within a range in the birthDateInfo field. The name is equal to the main name or one of the aliases.	Middle match grade.
145	BY_NAME_AND_DATE_RANGE: Match is made by name and complete date of birth, within a range in the birthDateInfo field. The name is equal to the main name or one of the aliases.	Middle match grade.
155	BY_NAME_AND_YEAR: Match is made by name and year of birth (not the complete date of birth). The year of birth in the request is equal to the year of birth in the list, and the name is equal to the main name or one of the aliases.	Middle match grade.
165	BY_NAME_YEAR_AND_MONTH: Match is made by name, year and month of birth (not complete date of birth). The year and month of birth in the request is equal to the year and month of birth in the list, and the name is equal to the main name or one of the aliases.	Middle match grade.
175	BY_NAME_AND_DATE: Match is made by name and date of birth. The date of birth in the request is equal to the date of birth in the list, and the name is equal to the main name or one of the aliases.	High match grade.
500	BY_NAT_ID_NO: Match is made by national id. The national id in the list was equal to the national id in the request. Available for Swedish PEPs.	Very high match grade.

Source lists available

The following is an overview of lists that are available in our services.

Name	Type	Description	Availability
UN_CONSOLIDATED	SANCTION	Consolidated list of UN sanctions	Trapets screening
EU_GLOBAL	SANCTION	Consolidated list of persons, groups and entities subject to EU financial sanctions	Trapets screening
HMTreasury	SANCTION	A list of all those subject to financial sanctions imposed by the UK. https://www.gov.uk/government/publications/financial-sanctions-consolidated-list-of-targets	Trapets screening
OFAC	OFAC	List of individuals and companies owned or controlled by, or acting for or on behalf of, targeted countries. It also lists individuals, groups, and entities, such as terrorists and narcotics traffickers designated under programs that are not country-specific.	Trapets screening
PEP_Acuris_NN	PEP	A PEP list with world coverage provided by Acuris.	Trapets screening
PEP_Edge	PEP	A manually collected list of PEPs with Nordic focus	Trapets screening

High Risk Countries

Fields highRiskCountry, highRiskCitizenship and highRiskNationality represent boolean indicators whether the corresponding country is one of the black or grey listed countries from the EU. Source reference: https://eur-lex.europa.eu/content/legal-notice/legal-notice.html

Status codes

Person status codes

Status code	Description
EMIGRATED	The person has emigrated
BANKRUPT	Personal bankruptcy
DECEASED*	The person has deceased
PROTECTED	Protected or secret name and/or address
NO_ADDRESS	No address registered for this person
GUARDIANSHIP	When a person can no longer make or communicate safe or sound decisions about his/her person and/or property or has become susceptible to fraud or undue influence
EXPIRED_NATIONAL_ID_NUMBER	The national identification number has expired. Not in use. This may happen for persons that has been assigned an id number, but later been decided to be no longer valid. This may be situations where the person has a fake identity, secret adoption, or there may be other reasons for the id assignation to have been annulled.
BIRTH_REGISTERED_ONLY	Persons born in the country, but does not necessarily need to have a registered residence.
NOT_SETTLED	Persons that is in need for and are allowed to have a national id number, but is not resident in the country. May also be a citizen of the country but born abroad.
ADDRESS_ABROAD	Address in another country

NOTE! Other/new status codes will be added. Make sure your code does not fail if new codes are added from us.

*If the status is “DECEASED” the person will not be sent to PEP and sanctions screening.

Company Status codes

For companies of type sole proprietorship, status codes for persons may apply

Status code	Description
BANKRUPT	Bankruptcy
INACTIVE	Inactive
PROTECTED	Protected or secret name and/or address
ADDRESS_ABROAD	Address in another country

NOTE! Other/new status codes will be added. Make sure your code does not fail if new codes are added from us.

Board member role codes and titles

Be aware that a person can be a board member in a company of another nationality.

For example: A Swedish company may have Finnish and Norwegian board members. As the company is Swedish, the role codes will be as specified for Sweden regardless of the nationality of the person.

The board member information and the role codes are information about the company, not information about the person.

This also means that a person who is a board member of several companies of different nationalities will get different role codes, even though they mean the same.

Norway

The directorships for Norway are delivered through the special structure in the field directorships with a specific label and role description. The Board Member can hold roles in more than one company and the relation with each company will be provided. There are no codes in this case.

Denmark

Currently these are only described in Danish.

The system only delivers Danish titles. The actual title (the text) may differ slightly from the below descriptions, so consider the below descriptions just as that; a description.

Use the codes to identify the roles. Remember these codes are for Danish companies only. Other countries may have the same role codes meaning a different role.

Code	Description
1	Bestyrelsesformand
2	Bestyrelsesnæstformand
3	Bestyrelsesmedlem
4	Medarbejderrepræsentant
5	Medarbejderrepræsentant (Koncernniveau)
6	Interessent
7	Kommanditist
11	Indehaver
21	Administrerende Direktør
31	Direktionsmedlem

Sweden

The system only delivers Swedish titles. The actual title (the text) may differ slightly from the below descriptions, so consider the below descriptions just as that; a description.

Use the codes to identify the roles. Remember these codes are for Swedish companies only. Other countries may have the same role codes meaning a different role.

Code	Description English	Description Swedish
0	MEMBER MANAGING DIR.	LEDAMOT VD
1	MANAGER CHAIRMAN	VD & ORDFÖRANDE
2	DEPUTY & MGR	SUPPLEANT & VD
3	Managing Dir & Registered Agent	VD & DELGIVNINGSBAR PERSON
4	MANAGER	VD
5	Managing Dir, Deputy & Registered Agent	VD, SUPPLEANT & DELGIVNINGSBAR PERSON
6	EXTERNAL MGR	EXTERN VD
7	Extern Managing Dir & Registered Agent	EXTERN VD & DELGIVNINGSBAR PERSON
8	VICE CHAIRMAN	Vice Ordförande
9	VICE MANAGER CHAIRMAN	Ledamot Vice VD Ordförande
10	MEMBER & VICE MGR	LEDAMOT VICE VD
12	DEPUTY & VICE MGR	SUPPLEANT & VICE VD
13	Vice Managing Dir, Deputy & Reg. Agent	VICE VD, SUPPLEANT & DELGIVN.BAR PERSON
14	VICE MANAGING DIR.	VICE VD
15	Vice Managing Dir & Registered Agent	VICE VD & DELGIVNINGSBAR PERSON
16	EXTERNAL VICE MGR.	EXTERN VICE VD
17	Ext Vice Managing Dir & Registered Agent	EXTERN VICE VD & DELGIVNINGSBAR PERSON
19	MEMBER CHAIRMAN	LEDAMOT ORDFÖRANDE
20	MEMBER	LEDAMOT
22	Member & Registered Agent	LEDAMOT & DELGIVNINGSBAR PERSON
25	EXT.FIRM SIGN.	EXTERN FIRMATECKNARE
26	ACTUARY	Aktuarie
27	ACTUARY & SIGNATORY NOT ON THE BOARD	Aktuarie & Extern firmatecknare
30	LIQUIDATOR	LIKVIDATOR
32	DEPUTY	SUPPLEANT
33	Chairman, Deputy & Registered Agent	ORDF, SUPPLEANT & DELGIVNINGSBAR PERSON
34	Deputy & Registered Agent	SUPPLEANT & DELGIVNINGSBAR PERSON
36	Registered Agent	DELGIVNINGSBAR PERSON
48	PART-OWNER & HOLDER OF PROCURATION	DELÄGARE & PROKURIST
50	PART-OWNER	DELÄGARE
60	UNLIMITED PARTNER	KOMPLEMENTÄR
68	LIMITED PARTNER & HOLDER OF PROCURATION	KOMMANDITDELÄGARE & PROKURIST
70	LIMITED PARTNER	KOMMANDITDELÄGARE
72	MANAGER	FÖRESTÅNDARE
86	HOLDER OF PROCURATION	PROKURIST
90	PRINCIPALLY RESP. AUDITOR & REG. AGENT	HUVUDANSV. REVISOR & DELGIVN.BAR PERSON
91	AUDITOR & REGISTERED AGENT	REVISOR & DELGIVNINGSBAR PERSON
92	LAY AUDITOR & REGISTERED AGENT	LEKMANNAREVISOR & DELGIVNINGSBAR PERSON
93	DEPUTY AUDITOR & REGISTERED AGENT	REVISORSUPPLEANT & DELGIVNINGSBAR PERSON
94	DEPUTY LAY AUDITOR & REGISTERED AGENT	LEKMANNAREVISORSUPPL. & DELGIVN.BAR PERS
95	PRINCIPALLY RESPONSIBLE AUDITOR	HUVUDANSVARIG REVISOR
96	LAY AUDITOR	LEKMANNAREVISOR
97	AUDITOR	REVISOR
98	DEPUTY AUDITOR	REVISORSUPPLEANT
99	DEPUTY LAY AUDITOR	LEKMANNAREVISORSUPPLEANT

Finland

The system only delivers English titles. The actual title (the text) may differ slightly from the below descriptions, so consider the below descriptions just as that; a description.

Use the codes to identify the roles. Remember these codes are for Finnish companies only. Other countries may have the same role codes meaning a different role.

Code	Description English	Description Finnish	Description Swedish
HVJV	Varajäsen	Deputy member	Suppleant
SEL	Selvitysmies	Liquidator	Likvidator
VT	Varatilintarkastaja	Deputy auditor	Revisorssuppleant
HPJV	Varapuheenjohtaja	Vice-chairperson	Vice ordförande
PIS	Päävastuullinen isännöitsijä	House manager with primary responsibility	Huvudansvarig disponent
U	Uskottu mies	Special representative	god man
VAH	Vastuunalainen hoitaja	Responsible manager	Ansvarig föreståndare
HVJ	Varsinainen jäsen	Ordinary member	Ordinarie medlem
PR	Prokuristi	Holder of procuration	Prokurist
SEV	Varaselvitysmies	Deputy liquidator	Vice likvidator
VTJ	Varatoimitusjohtaja	Deputy Managing Director	Vice verkställande direktör
Y	Yhtiömies	Partner	Bolagsman
ÄY	Äänetön yhtiömies	Silent partner	Tysta bolagsman
VY	Vastuullinen yhtiömies	Responsible partner	Ansvarig bolagsman
E	Edunvalvoja	Guardian	Intressebevakare
EH	Elinkeinonharjoittaja	Trader	Näringsidkare
IS	Isännöitsijä	House Manager	Disponent
JO	Johtaja	Director	Chef
OI	Oikeutettu	Person authorised	Berättigad
SO	Oikeutettu selvitystilan aikana	Person authorised during liquidation	Berättigad under likvidation
TJS	Toimitusjohtajan sijainen	Substitute for the Managing Director	Verkställande direktörens suppleant
EDU	Edustaja	Representative	Representant
HPJ	Puheenjohtaja	Chairperson	Ordförande
LT	Lisätilintarkastaja	Additional auditor	Extra revisor
PTI	Päävastuullinen tilintarkastaja	Auditor with principal responsibility	Huvudansvarig revisor
SANS	Saneerauksen selvittäjä	Administrator in restructuring	Saneringsutredare
TIL	Tilintarkastaja	Auditor	Revisor
TJ	Toimitusjohtaja	Managing Director	Verkställande direktör
UE	Ulkomainen edustaja	Foreign representative	Utländsk företrädare

Technical documentation

Please check our technical documentation for our API here.
For questions and support, please contact Dun & Bradstreet at Nordic2ndLine_support_api@dnb.com