Manage customer compliance

This topic describes how to manage customer compliance.

Use this process to add customer data to a blocklist.

Use blocklists to prevent fraud and criminal activity. A blocklist is a list of customer attribute values that are blocked from buying from you. For example, if a customer attempts to buy from you with a credit card or fingerprint that is in a blocklist, the transaction is blocked and is not processed. For more information, see Blocklists.

1. Log in to Rebilly.
2. In the left navigation bar, press Data tables, then press Customers.
3. In the Name column, press a customer's name.
4. In the right of the page, press , then press Block customer.
5. Select a blocklist type and specify blocklist criteria.
6. Press Save.

Use this process to request KYC documents from your customer. This process generates a link that is shared with the customer. When the customer opens the link, they are then guided through the document submission process. For more information, see KYC.

1. Log in to Rebilly.

2. In the left navigation bar, press Data tables, then press Customers.

3. In the Name column, press a customer's name.

4. In the right of the page, press , then press Request KYC documents.

5. Under Select document types, select one or more document types to request from the customer. For more information on document types and how they are analyzed, see Automated KYC document analysis.

6. For each document type, to set the number of allowed failed upload attempts: In the Max attempts field, enter a number.

7. Optionally, if you select the Identity proof document type, select from the following:

   • Require the customer to take a "selfie" during the document upload process: Select the Request selfie checkbox.
   • Use face liveness detection when the customer is taking a "selfie": Select the Face liveness checkbox.
     Face liveness detects spoofs that are presented to the camera, such as printed photos, digital photos, digital videos, and 3D masks. Face liveness also detects spoofs that bypass the camera, such as pre-recorded or deepfake videos. Face liveness detection uses a strict process. In some cases, such as in an environment with poor lighting, customers may find this difficult to complete.

8. In the Document verification level section, select from the following:

   • Strict: Strict verification requirements. Use this option for requests that relate to credit transactions.
   • Moderate: Moderate verification requirements. Use this option for requests that relate to sale transactions.
   • Basic: Basic verification requirements. Use this option for KYC requests that do not require a high level of verification.

9. Optionally, to describe the reason for the document request: In the Reason for requesting document field, enter a message.

10. In the Redirect URL field, specify a URL where the customer is directed after they submit KYC documents.

11. Optionally, to set an expiration time for the KYC request: In the Request valid until field, select a date and time.
    If the field is empty, the request expires one hour after creation.

12. Press Generate link.

13. Share the generated link with the customer.

Use this process to upload KYC documents on behalf of a customer. Each uploaded file is saved immediately and then enters automated analysis. For more information, see KYC and Automated KYC document analysis.

1. Log in to Rebilly.

2. In the left navigation bar, press Data tables, then press Customers.

3. In the Name column, press a customer's name.

4. In the right of the page, press , then under KYC, press Upload documents.

5. On the Upload documents for page, upload one or more KYC documents.

6. Select the document types

   Select from the following:

   • Identity proof: Birth certificate, Driver license, Firearms license, ID card, Marriage certificate, Name change, Passport, Proof of age card, Public health card.
   • Address proof: Bank or card statement, Debtor's letter, Driver's license, ID card, Income statement, Insurance letter, Lease agreement, Other, Public or civil service, Rental receipt, Reverse of ID, Utility bill.
   • Funds proof: Bank or card statement, Inheritance or estate doc, Other, Salary or wage slip, Sale of assets, Tax return.
   • Purchase proof: Bank or card statement, Copy of credit card, Credit card statement, eWallet holder details, eWallet transaction statement, Other, Payout account ownership, Void check.
7. Upload files

   The following file types are accepted:

   • Identity proof: PNG, JPEG, or PDF.
   • Address proof, Funds proof, and Purchase proof: PNG, JPEG, GIF, or PDF.

   Select from the following:

   • Drag and drop the file onto the upload area.
   • Press Browse files, then select the file.
   • Select the section, then paste an image from your clipboard.
8. Optionally, upload the second side of a document

   If a document has two sides, upload the second side when prompted. Two-sided upload is required for the following:

   • Copy of credit card in the Purchase proof section.
   • ID card in the Identity proof section, for customers with an address in Austria, Bulgaria, Cyprus, France, New Zealand, Poland, Singapore, or the United States.
   • Driver license in the Identity proof section, for customers with an address in New Zealand.
9. Optionally, upload a selfie with an identity proof document

   1. For the Identity proof document type, to include a selfie with the document, select the Upload selfie checkbox.
      Supported document subtypes are Passport, ID card, and Driver license.
   2. After you upload the identity document, upload the selfie when prompted.
10. Optionally, view the uploaded KYC documents

    This process opens the loaded documents for manual review. Uploaded documents complete automated analysis immediately and are ready for review.

    Select from the following:

    • If you are on the upload page: At the bottom of the Identity proof, Address proof, Funds proof, and Purchase proof sections, press Go to KYC documents.
      This opens the uploaded documents in a new tab.
    • If you are not on the upload page, see Review KYC documents.

Use this process to view completed Anti-Money Laundering (AML) checks for a customer. For more information on customer AML checks and how to manage reviews, see Manage AML.

1. Log in to Rebilly.
2. In the left navigation bar, press Data tables, then press Customers or Leads.
3. In the Name column, press a customer or lead name.
4. In the right of the page, in the AML checks section, view the details of completed AML checks.
   To view more information on an AML check, press the ID number of the check.
   The time and date of each AML check are also displayed in the customer's timeline.

Use this process to view uploaded Know Your Customer (KYC) documents. For more information, see Upload KYC documents and Manage KYC documents.

1. Log in to Rebilly.
2. In the left navigation bar, press Data tables, then press Customers or Leads.
3. In the Name column, press a customer or lead name.
4. In the right of the page, in the KYC section, view the uploaded KYC documents.
5. In the document column, press a KYC document to view it.

A compliance screening report summarizes KYC and AML screening results for a customer, an employee, or a potential employee.

When a compliance screening report is generated, the person's details are verified against uploaded KYC documents, and the person is automatically checked against AML lists. The report is saved as a PDF attachment on the customer record. Generated reports are listed in the Compliance screening section, and you can download them at any time.

Compliance screening reports contain sensitive Personally Identifiable Information (PII), including identity details and screening results. Handle downloaded PDFs according to the data protection and retention policies of your company.

For more information, see KYC and AML.

Use this process to screen a customer for compliance and generate a compliance screening report as a PDF attachment.

To use this feature, you must have already collected KYC documents from the customer. KYC documents may be requested automatically, for example, before the customer makes a payment. You can also request documents manually, by sharing a link to a document request. For more information, see How KYC works. To view a customer's uploaded KYC documents, see View uploaded KYC documents.

1. Log in to Rebilly.
2. Optionally, if you have not already done so, configure AML settings.
   AML checks are performed automatically when a compliance screening report is generated.
3. In the left navigation bar, press Data tables, then press Customers.
4. In the Name column, press a customer's name.
5. In the right of the page, in the Compliance screening section, press Generate report.
6. Optionally, to download a generated report: In the Compliance screening section, on the right of a report, press Download.

Use this process to screen employees or potential employees for compliance and generate a compliance screening report as a PDF attachment.

1. Log in to Rebilly.

2. Set up your organization and configure settings

   This is the initial setup for employee or potential employee screening, and you must complete it only once.

   If you have already created an organization for employee screening and configured AML settings, skip this step and proceed to Screen an employee or potential employee.

   1. Create a new organization

      Create a new organization to screen employees or potential employees for compliance.

      To control access and protect sensitive employee PII from unauthorized staff, it is strongly recommended to create a new organization for employee screening.

      1. In the top left corner of the page, press your organization name.
      2. In the dropdown, press Add new organization.
      3. In the Organization name field, enter Employee screening.
      4. In the Organization website field, enter any fake URL, such as https://example.com.
      5. In the Country dropdown, select the country where your company is located.
      6. In the Reporting currency dropdown, select the currency of your company.
      7. Press Add organization.
   2. Configure AML settings

      AML checks are performed automatically when a compliance screening report is generated.

      Configure the AML settings for screening:

      • Configure AML confidence level settings
      • Configure AML match priority settings
3. Screen an employee or potential employee

   This process screens an employee or potential employee for KYC and AML compliance.
   AML checks are performed automatically when a compliance screening report is generated.

   1. Enter the person's details

      This process enters the person's details into the system. Complete the listed fields only:

      1. In the left navigation bar, press Data tables, then press Leads.
      2. Press Add customer.
      3. In the First name and Last name fields, enter the person's name.
      4. In the Date of birth field, enter the person's date of birth.
      5. In the Job title field, enter the person's job title.
      6. In the Organization field, enter Employee screening.
      7. In the Address line 1, Address line 2, City, Country, Region (state or province), and Postal/ZIP code fields, enter the person's address.
      8. In the Phone number field, enter the person's phone number.
         To add multiple phone numbers, press Add phone number.
         If more than one phone number is added, to set a primary phone number, select Make primary.
      9. In the Email address field, enter the person's email address.
         To add multiple email addresses, press Add email address.
         If more than one email address is added, to set a primary email address, select Make primary.
      10. Press Save customer.
   2. Request KYC documents

      This process defines the document types to request from the person and generates a link that is shared with the person. When the person opens the link, they are then guided through the document submission process.

      1. Log in to Rebilly.

      2. In the left navigation bar, press Data tables, then press Leads.

      3. In the Name column, press a person's name.

      4. In the right of the page, press , then press Request KYC documents.

      5. Under Select document types, select one or more document types to request from the person. For more information on document types and how they are analyzed, see Automated KYC document analysis.

      6. For each document type, to set the number of allowed failed upload attempts: In the Max attempts field, enter a number.

      7. Optionally, if you select the Identity proof document type, select from the following:

         • Require the person to take a "selfie" during the document upload process: Select the Request selfie checkbox.
         • Use face liveness detection when the person is taking a "selfie": Select the Face liveness checkbox.
           Face liveness detects spoofs that are presented to the camera, such as printed photos, digital photos, digital videos, and 3D masks. Face liveness also detects spoofs that bypass the camera, such as pre-recorded or deepfake videos. Face liveness detection uses a strict process. In some cases, such as in an environment with poor lighting, people may find this difficult to complete.

      8. In the Document verification level section, select from the following:

         • Strict: Strict verification requirements. Use this option for requests that relate to credit transactions.
         • Moderate: Moderate verification requirements. Use this option for requests that relate to sale transactions.
         • Basic: Basic verification requirements. Use this option for KYC requests that do not require a high level of verification.

      9. Optionally, to describe the reason for the document request: In the Reason for requesting document field, enter a message.

      10. In the Redirect URL field, specify a URL where the person is directed after they submit KYC documents.

      11. Optionally, to set an expiration time for the KYC request: In the Request valid until field, select a date and time.
          If the field is empty, the request expires one hour after creation.

      12. Press Generate link.

      13. Share the generated link with the person.

      14. Optionally, to view the person's uploaded KYC documents: See View uploaded KYC documents.

   3. Generate compliance screening report

      This process generates a compliance screening report for the person in PDF format and saves it as an attachment. The report summarizes KYC and AML screening results. Generated reports are listed in the Compliance screening section, and you can download them at any time.

      To generate the compliance screening report, the person must have submitted KYC documents. For more information, see View uploaded KYC documents.

      1. Log in to Rebilly.
      2. In the left navigation bar, press Data tables, then press Leads.
      3. In the Name column, press a person's name.
      4. In the right of the page, in the Compliance screening section, press Generate report.
      5. Optionally, to download a generated report: In the Compliance screening section, on the right of a report, press Download.