Predefined Workflows

Document Overview

What You’ll Learn:

Available standard workflow bundles and their intended use cases
Workflow IDs and naming conventions
How workflows are configured and customised
Differences between V2 workflows and V1 entity profiles (recipes)

Who Should Read This:

Developers implementing FrankieOne
Compliance teams selecting appropriate workflows
Product managers planning verification requirements

Note: This guide covers V2 workflows (current standard). V1 references are included for context. See V1 Entity Profiles (Recipes) for legacy details.

Understanding Workflow Bundles
Workflow ID Naming Convention
Discovering Available Workflows
Australian (AU) Workflows
New Zealand (NZ) Workflows
United States (US) Workflows
United Kingdom (UK) Workflows
Specialised Workflows
Choosing the Right Workflow
How Workflows Are Configured
V1 Entity Profiles (Recipes)
FAQs

Understanding Workflow Bundles

What is a Workflow Bundle?

A workflow bundle is a pre-configured verification workflow that combines multiple checks in a specific order to meet common compliance requirements. Workflow bundles are configured and managed by FrankieOne — they are not self-service editable via the API or Portal.

Bundle Categories

FrankieOne organises workflow bundles into two main categories: Essential Bundles — Standard customer due diligence for low-to-medium risk scenarios.

Foundational identity verification
Standard AML screening (PEP & Sanctions)
Electronic verification (KYC checks)
Optional document verification
Suitable for high-volume operations

Enhanced Bundles — For higher-risk environments requiring stronger identity assurance.

Mandatory document verification (IDV)
Biometric checks (liveness, face match)
Enhanced AML screening (includes Adverse Media)
Multiple data source verification

Workflow Components

Every workflow bundle contains a combination of these check types:

Check Type	Description	Essential	Enhanced
Blocklist	Checks against your internal blocklist	✓	✓
KYC	Verifies identity details against data sources	✓	✓
Government ID	Verifies government-issued ID number	Optional	✓
IDV	Validates document authenticity & biometrics	Optional	Mandatory
AML (Standard)	Screens PEP & Sanctions lists	✓	—
AML (Enhanced)	Screens PEP, Sanctions & Adverse Media	—	✓
Risk Assessment	Calculates overall risk score	✓	✓

Note: The specific checks, data sources, and routing within a workflow are configured by FrankieOne. These are not dynamically controlled via the API. Contact your FrankieOne representative to discuss workflow composition.

Workflow ID Naming Convention

All standard workflow IDs follow a consistent structure:

{COUNTRY}-{TIER}{SOURCES}V-{TYPE}

Component	Values	Description
`{COUNTRY}`	`AUS`, `NZL`, `USA`, `GBR`	Three-letter country code
`{TIER}`	`Basic`, `Advanced`	Essential or Enhanced tier
`{SOURCES}V`	`1V`, `2V`, `3V`	Number of verification sources
`{TYPE}`	`IDOnly`, `TwoPlus`, `TwoPlusID`, `AgeVerify`	Verification method

Examples:

Workflow ID	Meaning
`AUS-Basic2V-TwoPlus`	Australia, Essential tier, two sources, electronic verification
`USA-Advanced1V-IDOnly`	United States, Enhanced tier, one source, ID + biometric verification
`GBR-Basic2V-TwoPlusID`	United Kingdom, Essential tier, two sources, electronic + ID verification

Discovering Available Workflows

You can retrieve the list of workflows available to your account using the V2 API. Endpoint:

GET /v2/workflows

Required Headers:

Header	Required	Description
`api_key`	Yes	Your API key provided by FrankieOne
`X-Frankie-CustomerID`	Yes	Your Customer ID provided by FrankieOne

Optional Headers:

Header	Description
`X-Frankie-CustomerChildID`	Child account identifier for multi-tenant setups
`X-Frankie-Channel`	Channel identifier (e.g., `api`, `portal`, `smartui`)
`X-Frankie-Username`	Username of the API caller

Optional Query Parameters:

Parameter	Description
`serviceName`	Filter workflows by service name
`include`	Include additional detail; supports `workflowDefinition`

The response returns an array of workflow objects, each containing serviceName, workflowId, workflowName, type, and lifecyclePhase.

Note: The workflows available to your account depend on your FrankieOne configuration. Not all workflow IDs listed in this guide may be available. Use this endpoint to confirm which workflows are configured for your account.

Australian (AU) Workflows

Australia has the most comprehensive range of workflow bundles, designed to meet Australian AML/CTF requirements.

Essential AU Bundles

1. AU Essential Identity (ID Only)


Workflow ID	`AUS-Basic1V-IDOnly`
Common Name	Basic ID Check, Government ID Verification

What It Does: Verifies a single government-issued ID against the Document Verification Service (DVS). Performs standard AML screening (PEP & Sanctions) and calculates a risk assessment. Checks Included: Blocklist, Government ID verification (DVS), AML screening (PEP & Sanctions), Risk assessment. Typical Use Cases: Low-risk digital onboarding, e-commerce platforms, digital service sign-ups.

2. AU Essential Identity — Two Sources


Workflow ID	`AUS-Basic2V-TwoPlus`
Common Name	2+2 Verification, Electronic Verification

What It Does: Matches customer data against two independent electronic data sources to meet standard 2+2 verification requirements. No document scanning required. Performs standard AML screening. Checks Included: Blocklist, KYC check (2+2 rule — verifies against 2 data sources), AML screening (PEP & Sanctions), Risk assessment. Typical Use Cases: Standard bank account opening, credit applications, insurance onboarding, utility account setup.

Note: The specific data sources used (e.g., credit bureaus, electoral rolls) are configured by FrankieOne and may vary by customer.

3. AU Essential Identity — Two Sources & ID


Workflow ID	`AUS-Basic2V-TwoPlusID`
Common Name	2+2 Plus ID, Enhanced Electronic Verification

What It Does: Combines 2+2 electronic verification with a government ID check for a higher level of assurance. Checks Included: Blocklist, Government ID verification (DVS), KYC check (2+2 rule), AML screening (PEP & Sanctions), Risk assessment. Typical Use Cases: Mortgage applications, investment accounts, higher-value transactions, regulated financial products.

4. AU Essential Identity — Three Sources


Workflow ID	`AUS-Basic3V-TwoPlus`
Common Name	Extended 2+2, Three Source Verification

What It Does: Uses three independent data sources for verification. Provides a fallback when initial two sources don’t yield results. Useful for customers with thin credit files. Checks Included: Blocklist, KYC check (2+2 rule with 3 sources), AML screening (PEP & Sanctions), Risk assessment. Typical Use Cases: First-time credit applicants, customers with thin credit files, recent immigrants, fallback verification.

Enhanced AU Bundles

5. AU Enhanced Identity (ID Only)


Workflow ID	`AUS-Advanced1V-IDOnly`
Common Name	Enhanced ID Verification, Biometric Verification

What It Does: Mandatory government ID verification and IDV (document authenticity + biometric checks). Enhanced AML screening including Adverse Media. Checks Included: Blocklist, Government ID verification (DVS), IDV (document authenticity, liveness detection, face match), Enhanced AML screening (PEP, Sanctions, Adverse Media), Risk assessment. Typical Use Cases: Cryptocurrency exchanges, high-value lending, wealth management, international money transfers.

6. AU Enhanced Identity — Three Sources & ID


Workflow ID	`AUS-Advanced3V-TwoPlusID`
Common Name	Maximum Verification, Comprehensive Due Diligence

What It Does: The most thorough verification bundle available. Combines government ID, biometrics, enhanced AML, and three data sources. Checks Included: Blocklist, Government ID verification (DVS), KYC check (2+2 rule with 3 sources), IDV (document authenticity, liveness, face match), Enhanced AML screening (PEP, Sanctions, Adverse Media), Risk assessment. Typical Use Cases: Private banking, high-net-worth individuals, large cryptocurrency transactions.

Specialised AU Bundles

7. AU Age Verification


Workflow ID	`AUS-Basic3V-AgeVerify`
Common Name	Age Check, 18+ Verification

What It Does: Specialised workflow for age verification. Confirms the customer is above a specified age. Verifies date of birth against multiple data sources. Does not perform full identity verification. Checks Included: Blocklist, KYC check (age verification focus), AML screening (PEP & Sanctions), Risk assessment. Typical Use Cases: Online gambling, alcohol delivery, tobacco e-commerce, age-restricted digital services.

New Zealand (NZ) Workflows

New Zealand bundles are similar to Australian bundles but use NZ-specific data sources.

Workflow ID	Type	Description
`NZL-Basic1V-IDOnly`	Essential	Government ID verification only
`NZL-Basic2V-TwoPlus`	Essential	Electronic 2+2 verification
`NZL-Basic2V-TwoPlusID`	Essential	Electronic + ID verification
`NZL-Advanced1V-IDOnly`	Enhanced	ID + biometric verification
`NZL-Advanced3V-TwoPlusID`	Enhanced	Maximum verification

Check composition follows the same pattern as the equivalent AU workflows. Data sources are NZ-specific and configured by FrankieOne.

United States (US) Workflows

US bundles are designed to meet US regulatory requirements and use US-specific data sources.

Workflow ID	Type	Description
`USA-Basic1V-IDOnly`	Essential	Government ID verification only
`USA-Basic2V-TwoPlus`	Essential	Electronic verification
`USA-Basic2V-TwoPlusID`	Essential	Electronic + ID verification
`USA-Advanced1V-IDOnly`	Enhanced	ID + biometric verification (may include OFAC screening)
`USA-Advanced3V-TwoPlusID`	Enhanced	Maximum verification
`USA-eID-Express`	Specialised	Identity verification with prefilled data

US eID Express (Prefill)


Workflow ID	`USA-eID-Express`
Common Name	Instant Verification, Prefill Verification

What It Does: Provides identity verification with prefilled data. Given minimal input (e.g., mobile number and date of birth), FrankieOne can retrieve and prefill additional identity fields such as name and SSN from verified data sources, reducing friction in the onboarding flow. Checks Included: Blocklist, eID verification (prefill), AML screening (PEP & Sanctions), Risk assessment. How It Works: The customer provides minimal identifying information. FrankieOne retrieves and prefills additional identity data from verified sources. The customer confirms or corrects the prefilled information. Identity verification and AML screening are then performed. Typical Use Cases: FinTech applications, digital wallets, instant account opening, low-friction onboarding flows.

Note: The specific data sources and fields available for prefill are configured by FrankieOne and may vary. Contact your representative for details.

United Kingdom (UK) Workflows

UK bundles are designed to meet UK regulatory requirements, including FCA requirements for customer due diligence.

Workflow ID	Type	Description
`GBR-Basic1V-IDOnly`	Essential	Government ID verification only
`GBR-Basic2V-TwoPlus`	Essential	Electronic verification
`GBR-Basic2V-TwoPlusID`	Essential	Electronic + ID verification
`GBR-Advanced1V-IDOnly`	Enhanced	ID + biometric verification
`GBR-Advanced3V-TwoPlusID`	Enhanced	Maximum verification

Check composition follows the same pattern as AU workflows. Data sources are UK-specific and configured by FrankieOne.

Specialised Workflows

AML-Only Workflows

Workflow ID	Description
`AML-Only-Standard`	AML screening only (PEP & Sanctions). No identity verification.
`AML-Only-Enhanced`	Enhanced AML screening (PEP, Sanctions, Adverse Media). No identity verification.

Use these for re-screening existing customers or performing standalone AML checks on already-verified entities.

Ongoing Monitoring

FrankieOne supports ongoing AML monitoring. Once enabled for an entity, FrankieOne automatically screens the entity periodically and can send alerts on status changes (e.g., if the entity is added to a sanctions list). Monitoring is managed via the V2 API:

PATCH /v2/individuals/{entityId}/monitor?enabled={true|false}&monitoringTypes={AML|ACTIVITY}

The enabled query parameter (required) toggles monitoring on or off. The monitoringTypes query parameter specifies the type of monitoring (AML, ACTIVITY, or omit to apply to all types). The request body accepts an optional comment object.

Note: Monitoring configuration (frequency, alert thresholds) is managed by FrankieOne, not controlled via the API.

Re-Verification

Workflow ID pattern: Refresh-KYC-{Country} Re-verifies existing customers by running updated KYC and AML checks. Use for periodic re-verification or when customer information has changed.

Note: The specific workflow IDs listed in this section (AML-Only, Monitoring, Refresh-KYC) are representative. Use GET /v2/workflows to confirm which workflows are configured for your account.

Choosing the Right Workflow

Decision Framework

Step 1: Identify Your Region

Region	Workflow Prefix
Australia	`AUS-`
New Zealand	`NZL-`
United States	`USA-`
United Kingdom	`GBR-`

Step 2: Determine Risk Level

Risk Level	Bundle Type	When to Use
Low	Essential	Standard customers, low-value transactions
Medium	Essential with ID	Medium-value transactions, regulatory requirements for ID
High	Enhanced	High-value transactions, regulated industries
Very High	Enhanced with multiple sources	Maximum due diligence, highest-risk scenarios

Step 3: Choose Verification Method

Method	Workflow Type	Pros	Cons
ID Only	`{TIER}1V-IDOnly`	Fast, simple	Requires government ID
Electronic (2+2)	`{TIER}2V-TwoPlus`	No document needed	May not work for all customers
Electronic + ID	`{TIER}2V-TwoPlusID`	Higher assurance	Requires ID and data match
Extended	`{TIER}3V-TwoPlusID`	Works for thin-file customers	Higher cost

Step 4: Consider Special Requirements

Requirement	Workflow
Age verification only	`AUS-Basic3V-AgeVerify`
Instant verification (US)	`USA-eID-Express`
AML screening only	`AML-Only-Standard` or `AML-Only-Enhanced`
Ongoing monitoring	Enable via `PATCH /v2/individuals/{entityId}/monitor`
Re-verification	`Refresh-KYC-{Country}`

Example Scenarios

Australian E-Commerce (age-gated products): AUS-Basic3V-AgeVerify — designed for age verification, no document upload, suitable for high volume. US Cryptocurrency Exchange: USA-Advanced1V-IDOnly or USA-Advanced3V-TwoPlusID — mandatory document and biometric verification, enhanced AML screening. Australian Digital Bank: AUS-Basic2V-TwoPlus as primary, with AUS-Basic2V-TwoPlusID as a fallback — meets 2+2 requirements, electronic verification for most customers. UK Wealth Management: GBR-Advanced3V-TwoPlusID — maximum verification, enhanced AML, designed for FCA enhanced due diligence. US FinTech App: USA-eID-Express — prefill-based verification, no document upload, low-friction onboarding.

How Workflows Are Configured

Workflows in V2 are configured and managed by FrankieOne. They are not self-service editable via the API or Portal. To customise a workflow:

Contact your FrankieOne representative.
Discuss your requirements (checks needed, risk thresholds, data sources, regulatory obligations).
FrankieOne configures or modifies the workflow.
Test in UAT, then deploy to production.

What can be customised:

Add or remove checks
Change check order
Adjust pass/fail thresholds
Modify data sources
Create custom workflows
Clone and modify standard bundles

Timelines:

Simple changes: 1–2 business days
Standard customisations: 3–5 business days
Complex customisations: 5–10 business days

V1 Entity Profiles (Recipes)

Note: V1 is the legacy API. V2 is recommended for all new integrations. Both remain supported.

Key Differences

Aspect	V1 (Legacy)	V2 (Current)
Terminology	Entity Profiles / Recipes	Workflows / Workflow Bundles
Self-Service Editing	No — configured by FrankieOne	No — configured by FrankieOne
Naming	Custom names per customer	Standardised naming convention
Execution	Assign profile to entity	Execute workflow on entity
Portal	View profiles in Portal	View workflows in Portal

V1 Portal Access

Environment	Portal URL
Production	`https://portal.kycaml.frankiefinancial.io/login`
UAT	`https://portal.kycaml.uat.frankiefinancial.io/login`

In V1, you can view your entity profiles (recipes) in the Portal under Settings → Workflow Builder. Profiles are configured by FrankieOne — contact your representative for any changes.

V1 API Base URLs

Environment	Base URL
Production	`https://api.kycaml.frankiefinancial.io/compliance/v1.2/`
UAT	`https://api.kycaml.uat.frankiefinancial.io/`

Should You Migrate to V2?

V2 is the current standard. Benefits include standardised naming, improved documentation, and a more consistent structure. Migration is available — contact your FrankieOne representative to plan the process.

FAQs

Can I use multiple workflows for different customer types? Yes. You can configure different workflows for different customer segments, products, or risk levels. Each workflow execution is independent. Can I run multiple workflows on the same entity? Yes. You can execute different workflows on the same entity — for example, an onboarding workflow followed by a monitoring workflow. Each execution is independent. Can I edit workflows myself? No. Workflows are configured by FrankieOne in both V1 and V2. Contact your FrankieOne representative to request changes. How do I know which workflows are available to my account? Use the GET /v2/workflows endpoint. This returns the list of workflows configured for your account. What if I need a workflow for a country not listed here? FrankieOne supports verification in 200+ countries. Contact your representative to discuss country-specific workflow configuration. Can I test workflows before production? Yes. Always test in the UAT environment first. V2 UAT base URL: https://api.uat.frankie.one. V2 UAT Portal: https://portal.uat.frankie.one/login. How much do different workflows cost? Pricing varies by workflow and check composition. Contact your FrankieOne representative for specific pricing.

Environments

V2 (Current)

Environment	API Base URL	Portal URL
Production	`https://api.frankie.one`	`https://portal.frankie.one/login`
UAT	`https://api.uat.frankie.one`	`https://portal.uat.frankie.one/login`

V1 (Legacy)

Environment	API Base URL	Portal URL
Production	`https://api.kycaml.frankiefinancial.io/compliance/v1.2/`	`https://portal.kycaml.frankiefinancial.io/login`
UAT	`https://api.kycaml.uat.frankiefinancial.io/`	`https://portal.kycaml.uat.frankiefinancial.io/login`

Getting Help

Contact: Email help@frankieone.com or your FrankieOne representative. When contacting support, include your Customer ID (X-Frankie-CustomerID), the workflow ID in question, and a description of what you’re trying to achieve. Resources:

API Documentation: https://docs.frankieone.com
V2 Production Portal: https://portal.frankie.one/login
V2 UAT Portal: https://portal.uat.frankie.one/login

Onboarding Guides

Developers

​Document Overview

​Table of Contents

​Understanding Workflow Bundles

​What is a Workflow Bundle?

​Bundle Categories

​Workflow Components

​Workflow ID Naming Convention

​Discovering Available Workflows

​Australian (AU) Workflows

​Essential AU Bundles

​1. AU Essential Identity (ID Only)

​2. AU Essential Identity — Two Sources

​3. AU Essential Identity — Two Sources & ID

​4. AU Essential Identity — Three Sources

​Enhanced AU Bundles

​5. AU Enhanced Identity (ID Only)

​6. AU Enhanced Identity — Three Sources & ID

​Specialised AU Bundles

​7. AU Age Verification

​New Zealand (NZ) Workflows

​United States (US) Workflows

​US eID Express (Prefill)

​United Kingdom (UK) Workflows

​Specialised Workflows

​AML-Only Workflows

​Ongoing Monitoring

​Re-Verification

​Choosing the Right Workflow

​Decision Framework

​Example Scenarios

​How Workflows Are Configured

​V1 Entity Profiles (Recipes)

​Key Differences

​V1 Portal Access

​V1 API Base URLs

​Should You Migrate to V2?

​FAQs

​Environments

​V2 (Current)

​V1 (Legacy)

​Getting Help