Partner has an integration with SmartSearch, making it much faster to conduct AML checks using SmartSearch.
A video has also been produced which will be beneficial to watch before conducting your first search. You will need to have volume on. If you are in the office, please use headphones where possible. Please note that the video contains personal details – it must not be shared with anyone outside the Firm.
TIP: You might want to have the video playing while conducting your first search as it will guide you through what to do. You can find the video in the following folder:- U:\IT Training\SmartSearch.
(SmartSearch Pass: 100%. No other verification required) Validity of evidence A SmartSearch pass will be valid for 3 months from the date of the successful check |
Using the SmartSearch Integration
Accessing SmartSearch AML Lookup
Click on the “Entity Properties” Icon (circled in red) to gain access to the AML screen.
Once in entity properties select the “More” Tab at the top of the screen.
The area you need to be looking at is illustrated below:-
Creating a new SmartSearch
To start a new search select the type of client from the dropdown field provided. The main two options used are Private and UK Corp.
 | Options are : Private (individual) UK Corp (company) None UK Corp (company) Institution Charity Other Client Joint 2 |
Once selected the SmartSearch icon will now be available to carry out your search. |  |
Once selected, SmartSearch has the ability to prepopulate existing data of a Private Entity direct from Entity Properties.
IMPORTANT NOTE: Data that is deemed personal is NOT mandatory and lookups can be performed solely based on an individual’s name & address. |
Search Details
The top section of the SmartSearch dialog displays the Customer Reference for the chosen individual and their potential Risk Level. By default, all individuals will be assumed ‘Normal’ risk. However, a ‘High’ risk level can be set for individuals who are deemed as a potential threat to the firm (e.g. PEPs).
Personal Details
The first tab requires general information about an individual such as their Title, Forename & Surname. Personal data such as D.O.B & National Insurance number can also be checked.
Current Address
The second tab requires details of the main address where the individual currently resides. Details such as House Number, Street, Town & Post Code are mandatory fields needed to complete the AML check.
Users also have access to Extra Addresses within this screen and can perform checks against other known addresses.
Previous Address
Similar to the last tab, the ‘Previous Address’ tab allows users to input previous addresses of an individual for an extended background check. To remove addresses, users can select the ‘Eraser’ button to clear all address fields.
Bank Details
You must not enter any bank details in the tab headed 'Bank Details'. This will be a breach of our fraud prevention policies
Passport
The ‘Passport’ tab allows users to input the passport details of an individual. SmartSearch supports the checking of UK & International passports and allows users to switch between each type using the action buttons provided.
Driving Licence
The ‘Driving Licence’ tab allows users to input a UK driving licence of an individual. SmartSearch will only require the individual’s licence number if a driving licence is provided.
IMPORTANT NOTE: SmartSearch won’t support the checking of Irish driving licenses stored in P4W. |
Results
Once a Lookup has been performed by selecting the ‘Lookup’ button at the bottom of the window, the ‘Results’ tab will then populate the overall results for the individual.
The table of results is divided into 6 columns:
| 1. | SSID: The Service Set Identifier is the unique SmartSearch ID given for each individual AML lookup. |
| 2. | Date Checked: Completion date of the AML lookup. |
| 3. | Credit Reference Agency: By default, the first lookup is always performed by Experian. |
| 4. | Depending on whether the System Setting - ‘Perform 2nd Lookup Automatically’ is enabled, a second lookup is performed by Equifax. |
| 5. | Result: The result of the individual can either be a Pass or a Refer. Pass – Meaning the data provided confirms the identity of an individual. Refer – Meaning imprecise or insufficient data provided an inconclusive result. |
Users then have the ability to view the results in more detail via the two action buttons on the right side of the dialog:
 | Via the Web: Users can re-direct to the SmartSearch website and login to view results online. |
 | Via Case Manager: Users have the option to add the result to the case of the individual at Entity Level Case Manager. This allows users to easily view results as a pre-formatted PDF copy. |
IMPORTANT NOTE: An Entity Level Case Agenda is required in order to add the results to case. Without an agenda, the ‘Add Results to Case’ button will remain greyed-out. |
SmartSearch Individual AML Report (PDF)
The Individual AML Result provides a more in-depth view of the SmartSearch Lookup, by listing the CRA comparisons as well as the Sanction & PEP screening results that were completed. The report is divided into 6 sections:
| Overall Summary | The top section of the report, provides a summary of the lookup including the AML reference, CRA & the final AML result. |
| Completed Checks | This section provides with a breakdown of the number of checks completed by the CRA. An Authentication Index is also provided to show their level of confidence that they calculate. This ranges from 20 (Very low-level authentication) to 90 (Very high-level authentication) while 0 means no trace of an individual was found. |
| Warnings | This section provides results on whether an individual has passed or failed Sanction & PEP screenings. Failed individuals will have been identified on worldwide sanction lists and or they identify as a Politically Exposed Person that are a high risk. Compliance Details: This section provides results including confirmation checks of an individual by matching their Name & Address. D.O.B is also matched when additional sources such as Driving Licence, NI & Passport details are submitted. |
| Additional Checks | This section provides additional results of checks made against Mobile, Email & Bank Details of an individual for further validation. |
| Granular Data | The last section of the report, provides at table summary of the all the checks completed by the CRA. This is dependent on what data was submitted for comparison as well as historical data recorded such as Voters Roll. |
IMPORTANT NOTE: In the following scenario, an individual lookup was performed with the 1st Lookup (Experian) resulting in a REFER. Therefore a 2nd Lookup (Equifax) was automatically performed resulting in a PASS. |
1st AML Lookup (Experian): REFER Result
2nd AML Lookup (Equifax): PASS Result
PEP Response: Fail Example
 | SmartSearch has the ability to perform PEP screening to identify whether an individual has been entrusted with a prominent public function e.g. Politicians. A Politically Exposed Person (PEP) present a higher risk for potential involvement in corruption and bribery. |
Sanctions Response: Fail Example
 | SmartSearch also has the ability to perform Sanction screening to identify whether an individual is currently listed on worldwide sanction databases and are prohibited from certain activities. |
Proven Identity
Similar to ID3Global integration, after a successful AML lookup is performed a SmartSearch identity proof is automatically added to an Entity as part of the Money Laundering check via Entity Properties.
Depending on the threshold set, users are able to successfully prove the identity of an individual within P4W.
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