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Out-of-the-Box Workflow Solutions

FrankieOne offers a suite of standard workflow bundles designed to address the most common KYC and AML compliance needs across different regions. These pre-configured workflows allow for rapid integration, enabling you to implement a best-practice verification process without the need for custom configuration. To use a bundle, simply reference its Workflow Name when executing a workflow via the API.

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Choosing Your Bundle Type

Our bundles are generally categorized into two types to match your risk appetite:
  • Essential Bundles: Designed for standard customer due diligence. These workflows provide foundational identity verification and AML screening, perfect for meeting core compliance requirements for low-to-medium risk customers.
  • Enhanced Bundles: Designed for higher-risk environments. These workflows include more stringent checks, such as mandatory document verification, biometric checks, and screening against adverse media, providing a higher level of identity assurance.

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Australian (AU) Bundles

Our most comprehensive range of bundles is designed to meet Australian AML/CTF requirements.

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Essential AU Bundles

A foundational check ideal for low-risk digital onboarding. This workflow verifies a single government ID against the DVS and performs standard AML screening.
  • Workflow Name: AUS-Basic1V-IDOnly
  • Use Case: Verifying customers with a government-issued ID like a passport or driver’s license.
  • Ruleset: gov_id_only
  • Core Checks: Government ID Check, AML (PEP & Sanctions) Screening, Risk Assessment.
A standard electronic verification workflow that matches customer data against two independent electronic sources, with an optional government ID check.
  • Workflow Name: AUS-Basic2V-TwoPlus
  • Use Case: Meeting standard 2+2 verification requirements without mandating a document scan.
  • Ruleset: two_plus
  • Core Checks: KYC (2+2), AML (PEP & Sanctions) Screening.
  • Primary Data Sources: Credit Bureau 1, Credit Bureau 2.
Combines a 2+2 electronic check with a mandatory government ID verification for a higher level of assurance.
  • Workflow Name: AUS-Basic2V-TwoPlusID
  • Use Case: Onboarding customers where both electronic data and a government ID are required.
  • Ruleset: two_plus_gov_id
  • Core Checks: Government ID Check, KYC (2+2), AML (PEP & Sanctions) Screening.
  • Primary Data Sources: Government Data Source, Credit Bureau 1, Credit Bureau 2.
An extensive electronic check using three independent data sources for customers who may have a thinner credit file or for when a higher degree of confidence is required.
  • Workflow Name: AUS-Basic3V-TwoPlus
  • Use Case: Achieving a 2+2 match when the initial two sources do not yield a result.
  • Ruleset: two_plus
  • Core Checks: KYC (2+2), AML (PEP & Sanctions) Screening, Risk Assessment.
  • Primary Data Sources: Credit Bureau 1, Credit Bureau 2, Additional Data Source.

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Enhanced AU Bundles

A robust check for higher-risk customers, mandating a Government ID verification and screening for adverse media in addition to standard AML checks.
  • Workflow Name: AUS-Advanced1V-IDOnly
  • Use Case: Onboarding high-value customers or those in regulated industries requiring deeper screening.
  • Ruleset: gov_id_only
  • Core Checks: Government ID Check, IDV (Liveness/Biometrics), Enhanced AML (Adverse Media) Screening.
Our most thorough verification bundle for the highest-risk scenarios. It mandates a government ID check, biometrics, enhanced AML screening, and verifies against three independent electronic sources.
  • Workflow Name: AUS-Advanced3V-TwoPlusID
  • Use Case: For customers requiring the highest level of due diligence and identity assurance.
  • Ruleset: two_plus_gov_id
  • Core Checks: Government ID Check, KYC (2+2), Biometrics, Enhanced AML (Adverse Media) Screening, Risk Assessment.
  • Primary Data Sources: Government Data Source, Credit Bureau 1, Credit Bureau 2, Additional Data Source.
A specialised workflow for age verification, designed for businesses that need to verify a customer is above a certain age (e.g., 18+) by confirming their date of birth against multiple reliable data sources.
  • Workflow Name: AUS-Basic3V-AgeVerify
  • Use Case: Verifying age for age-restricted products/services (gambling, alcohol, etc.)
  • Ruleset: two_plus_age
  • Core Checks: KYC (Age Verification), AML (PEP & Sanctions) Screening, Risk Assessment.
  • Primary Data Sources: Credit Bureau 1, Credit Bureau 2, Additional Data Source.
  • Verification Logic: Requires either (2x Name AND 2x DOB) OR (2x Name AND 1x DOB AND 1x Address).
Implementation Best Practices
  • Fuzziness Settings: When using age verification, ensure DOB matching fuzziness is set to 100% for accurate results.
  • Highest Assurance: For highest assurance, we recommend including a government ID data source which provides an exact match on Name, DOB, and ID number.

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Risk-Based Onboarding

FrankieOne’s Risk-Based Onboarding model assigns each user a real-time risk score, categorizing them as low, medium, or high risk. This enables you to apply the right level of verification at every step—low-risk users proceed with ease, while higher-risk profiles undergo additional checks like ID validation, biometrics, or sanctions screening. Risk-based onboarding The FrankieOne risk engine uses the customer risk rating model to determine the overall risk a customer may pose based on a consistent set of risk factors specific to a business. Risk Scoring Built into Onboarding Flow
Advanced 2+2 verification with fraud signal assessment via email and phone checks, combined with biometrics and enhanced AML screening for dynamic risk-based onboarding.
  • Workflow Name: AUS-Risk-CDD-Email-Phone
  • Use Case: Medium-risk onboarding where you want to assess fraud signals before performing full verification. Enables step-up flows based on risk level.
  • Ruleset: two_plus
  • Core Checks: Onboarding Fraud (Email & Phone), Biometrics (IDV), KYC (2+2), Government ID Check, Enhanced AML (PEP & Adverse Media) Screening, Blocklist Check.
  • Risk Assessment: Evaluates email reputation, phone line type, and combines with KYC results for comprehensive risk scoring.
Our most comprehensive risk-based bundle including device intelligence, IP analysis, email, and phone signals combined with advanced 2+2 verification, biometrics, and enhanced AML.
  • Workflow Name: AUS-Risk-CDD-Email-Phone-Device-IP
  • Use Case: High-risk environments requiring maximum fraud prevention. Enables sophisticated step-up/step-down flows based on comprehensive fraud and identity signals.
  • Ruleset: two_plus
  • Core Checks: Onboarding Fraud (Email, Phone, Device & IP), Biometrics (IDV), KYC (2+2), Government ID Check, Enhanced AML (PEP & Adverse Media) Screening, Blocklist Check.
  • Risk Assessment: Comprehensive fraud detection including device fingerprinting, behavioral biometrics, IP geolocation, VPN detection, and email reputation/tenure.
  • Requirements: Requires OneSDK implementation for device and IP signal collection.

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Understanding Risk-Based Onboarding

Risk-based onboarding workflows adapt verification requirements based on real-time risk signals, enabling you to:
  • Low-Risk Users: Proceed with minimal friction using standard KYC and AML checks
  • Medium/High-Risk Users: Trigger additional verification steps such as biometrics, document verification, or enhanced screening
  • Very High-Risk Users: Block onboarding entirely to prevent fraudulent accounts These workflows assess fraud risk using pre-KYC signals (device, email, phone, IP) before performing costly verification checks, helping you optimize conversion rates while maintaining security and compliance.

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International & Other Bundles

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New Zealand (NZL)

A foundational check for New Zealand customers, verifying identity against local data sources and performing AML screening.
  • Workflow Name: NZL-Basic1V-OnePlusOne
  • Use Case: Onboarding customers with a New Zealand residential address.
  • Ruleset: one_plus_one
  • Primary Data Sources: Local Data Source.

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United States (USA)

A streamlined onboarding flow for US customers that leverages a bank data source for fast, secure bank account-based identity verification.
  • Workflow Name: USA-Express
  • Use Case: Express onboarding for US customers by connecting their bank account.
  • Ruleset: us_onboarding
  • Primary Data Sources: Bank Data Source.
A streamlined onboarding flow for US customers that verifies Name, DOB, Address and or SSN.
  • Workflow Name: USA-Basic1V-OnePlus
  • Use Case: Express onboarding for US customers by connecting their bank account.
  • Ruleset: one_plus
  • Primary Data Sources: Bank Data Source.

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Global (GLB)

A flexible workflow for verifying customers from various countries where a single electronic data source is sufficient.
  • Workflow Name: GLB-IntlOnePlus
  • Use Case: Basic identity verification for a wide range of non-Australian customers.
  • Ruleset: one_plus
An AML-focused workflow that screens an individual against PEP, Sanctions, and Adverse Media lists. No KYC checks are performed.
  • Workflow Name: GLB-AMLMedia
  • Use Case: Performing due diligence or risk screening on individuals without needing a full KYC verification.
  • Ruleset: aml_only
A simple utility workflow that verifies a customer’s address against one or more data sources.
  • Workflow Name: GLB-AddressVerify
  • Use Case: Validating a customer’s address for purposes like shipping or proof of residence.
  • Ruleset: two_plus_both