KYC

Standard Workflow Bundles

Explore our out-of-the-box workflow solutions designed to get you started with best-practice compliance quickly.

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.

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.

Australian (AU) Bundles

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

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: Equifax, Experian.

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: DVS, Equifax, Experian.

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: Equifax, Experian, Superchoice.

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: DVS, Experian, Equifax, Superchoice.

International & Other Bundles

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: Centrix.

United States (USA)

A streamlined onboarding flow for US customers that leverages Plaid for fast, secure bank account-based identity verification.

  • Workflow Name: USA-PlaidExpress
  • Use Case: Express onboarding for US customers by connecting their bank account.
  • Ruleset: us_onboarding
  • Primary Data Sources: Plaid.

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