Reseller Checks with Experian AU

Overview

Some customers act as a reseller — they run KYC checks on behalf of another business, and that business (not the reseller) is the AML/CTF reporting entity for the check. Experian AU requires the ABN of that end business to be supplied with every credit header check, so the enquiry can be attributed to the correct obligated entity. FrankieOne collects this ABN as a custom attribute on the individual and forwards it to Experian as AMLObligatedEntityABN.

This applies only to Experian AU credit header checks performed through the Experian v2 connector. It has no effect on other data sources, and it is not needed by customers who are the reporting entity for their own checks.

Enabling the feature

Reseller ABN passthrough is enabled by FrankieOne on a per-configuration basis. Enabling it does two things:

Makes the CustomerChannelReferenceIdentifier custom attribute visible and mandatory in the FrankieOne Portal, so the ABN can be captured for profiles created manually.
Makes the attribute required for API-created entities — a check submitted without it fails validation before it reaches Experian.

Contact help@frankieone.com to have reseller ABN passthrough turned on for your configuration. Until it has been enabled, the attribute is stored on the entity but not forwarded to Experian.

Supplying the ABN

Set a custom attribute named CustomerChannelReferenceIdentifier on the individual, with the end business’s ABN as the value. The attribute can be set when creating the individual or added later with an update — it simply needs to be present on the entity at the time the workflow runs.

HTTP Request

POST /v2/individuals

JSON Request Body

{
  "individual": {
    "name": {
      "givenName": "Jane",
      "familyName": "Citizen"
    },
    "dateOfBirth": {
      "year": "1992",
      "month": "08",
      "day": "15"
    },
    "addresses": [
      {
        "type": "RESIDENTIAL",
        "streetNumber": "123",
        "streetName": "Exhibition",
        "streetType": "Street",
        "locality": "Melbourne",
        "subdivision": "VIC",
        "postalCode": "3000",
        "country": "AUS"
      }
    ],
    "customAttributes": {
      "CustomerChannelReferenceIdentifier": {
        "type": "STRING",
        "value": "11111111111"
      }
    },
    "consents": [
      {
        "type": "GENERAL"
      },
      {
        "type": "CREDITHEADER"
      }
    ]
  }
}

Field reference

Field	Value	Notes
Attribute name	`CustomerChannelReferenceIdentifier`	Case-sensitive — it needs to match exactly.
`type`	`STRING`	The ABN is sent to Experian as a string.
`value`	The end business’s ABN	11 digits, no spaces. This is the ABN of the business the check is being performed for, not the reseller’s own ABN.

Credit header consent is still required for Experian AU checks. The reseller ABN is in addition to — not a replacement for — the CREDITHEADER consent. See Creating & Managing Individuals.

What FrankieOne sends to Experian

The attribute is forwarded in the request payload as an additional detail:

<RequestData>
  <AdditionalDetail>
    <DetailName>AMLObligatedEntityABN</DetailName>
    <Detail>11111111111</Detail>
  </AdditionalDetail>
</RequestData>

The value sent is also recorded against the check in the audit trail.

Behaviour when the ABN is missing

Configuration	Attribute supplied?	Result
Reseller passthrough enabled	Yes	ABN forwarded to Experian as `AMLObligatedEntityABN`.
Reseller passthrough enabled	No	The check fails validation. No request is sent to Experian, and no credit header result is produced.
Reseller passthrough disabled	Either	The attribute is ignored and nothing is forwarded.

Because a missing ABN stops the check before it reaches Experian, set the attribute on the entity before executing the workflow. See Error Handling for how validation failures are surfaced.

​Overview

​Enabling the feature

​Supplying the ABN

​Field reference

​What FrankieOne sends to Experian

​Behaviour when the ABN is missing

Overview

Enabling the feature

Supplying the ABN

Field reference

What FrankieOne sends to Experian

Behaviour when the ABN is missing