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Compliance & KYC
Verify client identity, file verification evidence with re-check dates, and keep an audit-ready compliance record.
Compliance and KYC covers client identity verification and the record that proves you did it. One thing to be clear about first: Accupe no longer runs sanctions or PEP screening. There is no Run Check button, no automatic re-screening and no monthly check allowance. Accupe is not a screening provider, and nothing in the product should be read as one.
What Accupe does is hold the evidence. You file your own AML verification evidence against a client with a re-check date, record a decision against the historical hits your firm raised while the old screening feature was live, and verify identity through KYC Smart Capture, where a client scans an ID document and takes a live selfie from their phone before a member of your team makes the final call. Compliance Radar scores each client from 0 to 100, and every action is written to the compliance audit log automatically.
What Accupe holds, and what it does not do
Worth stating plainly, because it changes how the whole area is used: Accupe does not run sanctions, PEP or watchlist screening, and does not perform adverse-media checks. The built-in screening engine has been withdrawn. There is no Run Check button, no automatic re-screening and no monthly check allowance. If your firm’s risk assessment calls for screening, you run it with a dedicated provider outside Accupe.
What Accupe does is hold the evidence in a structured, audit-ready place. You carry out or buy in the checks your risk assessment requires, file the resulting evidence against the named individual it covers, and set a date for when it needs looking at again. Accupe then tracks that re-check date, surfaces the gap on Compliance Radar, and writes the whole trail to the compliance audit log. Screenings your firm ran while the feature was live have not been deleted: they are regulated records, and they stay readable in the app, on Compliance Radar, through the API and in the AML screening report.
Filing verification evidence against a director
The Verification documents panel sits on a client’s KYC tab. Choose the director the evidence covers first: for a client imported from Companies House this is a dropdown built from the current active officer list, each shown with their role, and for any other client it is a free-text director name box. The Upload button stays disabled until you have picked one, with the tooltip “Choose a director first”. PDF and Word files up to 25 MB are accepted, and anything larger is refused outright.
Set a Re-check by date if the evidence has a shelf life; leave it empty and the document is filed with no expiry. Filed documents then carry a status badge derived from that date: a green “Valid to [date]” while the date is still ahead, a red “Re-check overdue” once it has passed, and no badge at all where no date was set. Deleting a filed document removes the file from storage rather than just unlinking it, which is why Accupe confirms first.
KYC Smart Capture and the review queue
Smart Capture lets a client verify their identity from their own phone with no app to install: they scan an ID document and take a live selfie, and Accupe runs automated checks before one of your team makes the decision. You send the link by email or show a QR code from the client’s KYC tab, and every link you issue appears in the Verification sessions table with a status of Awaiting client, Completed or Expired, plus an action to copy the link and send it through another channel yourself.
Every submitted image has its EXIF metadata, including GPS location data, stripped before the stored copy is kept. The trust score is then built from four weighted checks: Metadata Check at 20 points, MRZ Validation at 25, Image Quality at 20, and Face Match, which is present in the list but disabled server-side and worth 0. Because face matching is switched off rather than faked, the score is hard-capped at 70 and no submission can auto-approve. Every one of them needs a person to open it in the KYC Review Queue, look at the ID document and selfie side by side, and decide.
Compliance Radar, and the audit trail underneath it
Radar scores every client down from 100, banding the result green at 90 to 100, amber at 50 to 89 and red below 50, with four metric cards at the top that double as filters. Deductions come mainly from KYC document state: no documents at all costs 25 points, an expired document 30, a rejected one 25, documents awaiting review 10, and verified documents expiring within 30 days another 10. Directors on Companies House clients with no stored screening record cost 10 points each, up to a maximum of 30. An approved Smart Capture verification overrides the document-based status entirely and floors the client’s score at 95; a rejected one caps it at 60.
Everything you do here is logged without you having to remember to log it. EXIF stripping is recorded as exif_stripped so there is a record the original file was sanitised, opening a verification to review it is logged once each time the review panel is opened, so the log reflects genuine review activity rather than screen refreshes, and dispositions on historical hits are recorded as separate first-reviewer and second-reviewer events tied to the client. Where a client’s activity needs reporting to a regulator, Accupe can assemble a SAR (in the UK, via the National Crime Agency) or STR (in the UAE, via goAML) evidence pack that freezes a snapshot of that client’s verifications, screenings, audit log entries and documents, downloadable as a PDF from Reports. Accupe assembles the pack; your MLRO still files the report through the regulator’s own portal using their own credentials.
What people come here to do
- File your own AML verification evidence. Attach evidence to a named director with a re-check date, and read the status badge it produces.
- Verify a client’s identity from their phone. Sending the link or QR code, what the client goes through, and how each submission is scored.
- Understand a client’s 0 to 100 score. Every deduction, the three bands, and which components are still live signals rather than history.
- Close out a historical AML hit. The three dispositions, the 30 character reason, and the four-eyes rule on clearing a false positive.
- Produce an evidence pack for a regulator. What is logged automatically, and how a SAR or STR pack is assembled and downloaded from Reports.
- Check what your plan includes. Every remaining compliance feature is on every plan, and check-count metering no longer exists.
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Things that catch people out
Two AML deductions on Radar behave very differently
A screening still sitting at Pending Review costs 15 points and can be cleared by working the queue down. The 20 point deduction for a client that was never screened cannot be cleared inside Accupe at all, because no new screening can be created. Read the KYC and document components as the live signal and treat the AML component as a record of what was done historically.
Clearing a false positive needs two different people
It is the only disposition that lowers a client’s risk position, so the first reviewer is recorded and the screening stays at Pending Review until a second, different admin or manager confirms it. Somebody trying to be both reviewers is blocked by the API and by a database-level check, so resubmitting will not work around it.
A disposition reason has a real minimum length
At least 30 characters, and the same minimum applies to a SAR or STR pack’s trigger narrative. “Checked, fine” is refused. State what you actually checked, whether that was date of birth, nationality or employer, and why it ruled the match in or out.
The trust score can never reach the green band
The bar turns green at 80 and above, but with face matching disabled server-side the score is capped at 70. Amber is the best a submission can look, and it is not in itself a sign that anything is wrong with the document.
The Contacts badge and the Radar score are not the same number
Radar recalculates live every time you load the page. The stored badge on the Contacts list is re-saved only when a hit is dispositioned or a Smart Capture verification is approved, so if the two disagree, Radar is the authoritative figure.
Where to go next
- Integrations & Automations. Companies House officers are the director list you file evidence against, and a director or PSC change raises a Refresh CDD task.
- Reports & Invoicing. The SAR/STR pack, the audit log export and the retired AML screening report are all generated from Reports.
- Client Portal. An identity check that has failed or has not been started is one of the first things a client’s Workspace Home flags to them.