SentiLink CIP Match & Watchlists is designed to help organizations onboard more customers while meeting stringent compliance requirements. It leverages a wide array of data sources, including credit bureaus, telecom companies, public records, and utility data, to verify a broader spectrum of applicant identities, including those with ITINs, randomly issued SSNs, younger demographics (18-24), and immigrants. The system offers flexible configuration options, such as field-matching scores, which allow businesses to balance approval rates with risk tolerance by accommodating minor data discrepancies like typos or missing apartment numbers. This approach aims to increase approval rates by reducing unnecessary identity verification step-ups, thereby minimizing customer friction and operational costs associated with manual reviews and document checks. Furthermore, SentiLink provides in-house OFAC sanctions list screening and configurable watchlist checks to reduce false positives and negatives, supporting anti-money laundering (AML) and counter-terrorism financing (CTF) obligations at account opening. The platform also offers actionable signals for routing and triaging high-risk applications, enhancing fraud and risk detection capabilities.

Features & Benefits

• Comprehensive Identity Verification: Utilizes diverse data sources to verify a wider range of customer identities, including hard-to-verify populations.
• Increased Approval Rates: Reduces unnecessary step-ups and manual reviews, leading to smoother onboarding and higher customer approval.
• Reduced Operational Costs: Minimizes manual intervention and document verification, streamlining review processes.
• Compliance Fulfillment: Supports AML/CTF requirements with in-house OFAC sanctions lists and configurable watchlist checks.
• Risk-Based Verification: Field-matching scores allow customization based on risk tolerance, accommodating minor data variations.
• Actionable Insights for Risk Management: Provides clear signals to detect, route, and triage high-risk applications.