Service Details
KYC, Anti-Money Laundering, Due Diligence via Virtual Client and ID Verification.
Realaml offers best-in-class virtual verification technology, enabling firms to onboard new clients quickly and efficiently while maintaining a high level of security. Serving firms across Australia, Canada, New Zealand, and more, we comply with AUSTRAC, DIA, FINTRAC, and Law Society regulations. As a world-class virtual verification provider, Realaml can verify clients from over 230 countries. Our tools feature a clean, user-friendly interface and are designed for ease of use by both firms and clients. Utilizing advanced AI, machine learning, and deep learning algorithms, our proprietary technology detects even the most sophisticated fraud attempts, ensuring comprehensive security and reliability.
General Information: Website
Point of Contact: Jordan McCown & Alex Verma
Role(s)
Capability(ies)
Client Identity Verification Methods
Audiences
Other: B2B2C
Sectors and Use Cases
Adoption Communities
Jurisdiction(s)
Operational Language(s)
Technical Support Language(s)
Platform(s) Availability
Cost Model
Service Design Principles
Service Design Principles
Service Design Tools & Auditability
Design Tools
Protocols Supported
Image Standards Supported
Process Standards Considered
Accreditations and Certifications
Pan-Canadian Trust Framework (PCTF)
Jurisdictional Privacy Law Compliance
Client Identity Verification Methods
Government-Issued Photo Identification Method
Validation Letter
No file uploadedOur service captures and returns to the relying party the following data points from the government-issued photo identification: person's name, the date on which the person's identity was verified, type of document used (e.g., driver's licence, passport), unique identifying number of the document used, address (if available), jurisdiction (province or state) and country of issue of the document, expiry date of the document, if available (if this information appears on the document or card, it must be recorded).)
In addition to Canadian passports and driver’s licenses issued by provinces, territories and the Canadian Department of Defence, our service supports the following documents. (Note: Canadian citizenship card and the laminated certificate Indian Status card not listed due to limited applicability and security features.)
Our service verifies documents that are authentic, valid, and current.
Globally, our service can assess Passports from the following number of countries or regions.
200+
Globally, our service can assess National Identity cards from the following number of countries or regions.
200+
Globally, our service can assess Driver's Licenses in the following number of countries or regions. If a jurisdiction has more than 1 version of the same Driver's License, that jurisdiction is counted only once.
200+
Globally, our service can assess the following number of identification records.
1,000+
Our service compares the following known characteristics of the government-issued photo identification document against the following to satisfy that it is an authentic document issued by the competent authority (federal, provincial, or territorial government).
Our service compares the following security features of the government-issued photo identification document against the following to satisfy that it is an authentic document issued by the competent authority (federal, provincial, or territorial government).
Our service compares the following maker features of the government-issued photo identification document against the following markers to satisfy that it is an authentic document issued by the competent authority (federal, provincial, or territorial government).
Our service compares the machine-readable contents of the MRZ/barcode with the font of the OCR-extracted data and highlights mismatches.
Our service performs issuer database lookups for international (non-Canadian) verification purposes.
Our service can be configured to allow the following regarding capturing government-issued photo identification document(s).
Our service reads the machine-readable portion of the photo identification documents as applicable.
Our service confirms the document's expiry date is not before the date of the validation session (as required in Canadian Anti-Money Laundering regulations).
Our service tests the algorithm (if applicable) for the unique identifiers against the ones used by the identification document provider (e.g., the last six number of a driver's license matches the DOB of the individual being verified.)
Our service's ability to read machine-readable passports' facial biometric (ICAO 9303) NFC chip is as follows.
Our service verifies that a chipped identity document has been authenticated (e.g., Country signer, Active Authentication).
For international verification, our service supports or is investigating mobile driver's license connectivity.
An independent 3rd-party evaluated the performance of our service's face recognition algorithm in a one-to-one matching scenario using NIST (National Institute of Standards and Technology) FRVT 1:1 (Face Recognition Vendor Test) or the most recent NIST Face Technology Evaluations - FRTE/FATE.
Our service performs a 'selfie' liveness check.
Our service’s liveness check is:
Our service’s liveness check captures the person's image via:
Our service’s liveness detection or genuine presence is verified by:
The identification information our service verifies is ultimately stored:
Information stays within Canada for the entire session for Canadian government-issued photo identification (i.e., in transit not related to storage).
Our service uses an identity verification network that encrypts all information in a mobile application in transit.
Our service uses an identity verification network that stores information with the following selections.
Our service uses an identity verification network that delivers services via the following.
Credit File Method
Validation Letter
No file uploadedOur service receives data from a Canadian Credit Bureau when an individual's identity is verified.
Our service confirms the data extracted from the credit file contains information derived from more than one tradeline (i.e., two financial institutions which do not include your customer as one of the tradelines.)
Our service receives credit file information directly from a Canadian Credit Bureau (or through a third-party vendor authorized by a Canadian Credit Bureau).
Our service confirms the data extracted from the credit file has existed for at least 3 (three) years.
Our service matches the name, address, and DOB of an individual whose identity is being verified with the name, address, and DOB contained in the records of a Canadian Credit Bureau.
Our service accepts the following match type when matching the individual's first name.
Our service accepts the following match type when matching the individual's last name.
Our service accepts the following DOB match types.
Other: Has to be an exact match for year, day, and month.
Our service accepts the following match type when matching the address.
Our service implements and interprets fraud indicator signals.
Our service considers address change date, name change date, DOB change date related to a risk profile.
Dual Source Method
Validation Letter
No file uploadedOur service is connected to the following Reliable Source(s).
Globally, our service can assess Passports from the following number of countries or regions.
200+
Globally, our service can assess National Identity cards from the following number of countries or regions.
200+
Globally, our service can assess Driver's Licenses in the following number of countries or regions. If a jurisdiction has more than 1 version of the same Driver's License, that jurisdiction is counted only once.
200+
Globally, our service can assess the following number of identification records.
1,000+
Globally, the following number of validated records are accessible in your library.
1,000+
Our service uses the following Reliable Source(s) as evidence to verify the name and address or name and DOB of the individual whose identity is being verified.
Our service, your agent, nor the individual being verified is a Reliable Source from which you draw information.
Our service uses the following capabilities to confirm the individual has a deposit account, credit card, or other loans with a financial institution.
Other: Flinks
The capability(ies) our service uses, referenced in the previous question, can query the following number of Canadian financial institutions.
Our service uses a Canadian Credit Bureau as one of the Reliable Sources used to satisfy the Dual Process Method requirements, our service confirms the extracted data from the credit file has existed for at least six (6) months.
When our service uses a Canadian Credit Bureau as one of the Reliable Sources used to satisfy the Dual Process Method requirements, the Credit Bureau acts as an aggregator.
The Canadian Credit Bureau provides our service with two (2) independent tradelines originating from different sources that are not our own, where each tradeline confirms one of the two categories of information required to verify the individual's identity under the Dual Process Method.
An explanation of why each Reliable Source your service is connected with is considered well-known and reputable is provided below.
Equifax is a Canadian credit bureau that is well-known and reputable.
Aggregated Canadian telecommunication companies such as Bell and Rogers are well-known and reputable.