AML Screening

PEP, Sanctions, and Watchlist Checks

The AML Screening step evaluates a BasicIdentity data block against global sanctions, PEP, and watchlist data through a configured screening process and returns a normalised result.

If any result is a match, the case is routed to match; if no match is found but any result is inconclusive, the case routes to inconclusive; only when all results return no hits is the case routed to no_match. On match, the matches[] array is populated with normalised match details and riskLabels[] reflects the services that produced hits (e.g. Sanction, PEP). On no_match and inconclusive, both arrays are empty.

The transactionReference returned in the AmlScreeningResults data block corresponds to the case ID created in IDnows AML screening dashboard. Use this identifier to manually review match details directly in IDnows AML screening dashboard.

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Configuration

Parameter	Type	Required	Default	Description
inputSources	Object	No	-	Specifies the workflow step IDs to use for sourcing data. If omitted, the node will use the latest available datablocks from the workflow.
inputSources.basicIdentity	String	No	latest	The ID of the step providing the BasicIdentity data block.
config.configuration_identifier	String	Yes	-	Allows configuration of a single screening identifier, which is mapped to the underlying vendor. For nCino, this identifier maps to a bundle. Bundles are configured by the provider during onboarding and can include one or more screening services (e.g. PEP or sanctions).

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Input datablocks

Input requirements for this step.

Data block	Mandatory	Description
UserReference	Yes	Auto-populated from session metadata set during session creation. The subjectId is used as a client reference for traceability in the vendor API. No configuration required.
BasicIdentity	Yes	Identity data used for screening. familyName and givenName are mandatory. name is optional and used as a fallback when structured name fields are unavailable.

If BasicIdentity or UserReference are not available, the flow fails validation.

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Verdicts

Verdicts for this step.

Verdict	Description
match	One or more matches were found during screening. The AmlScreeningResults data block contains populated matches[] and riskLabels[] arrays.
no_match	No matches were found. The AmlScreeningResults data block is produced with empty matches[] and riskLabels[].
inconclusive	The screening result was inconclusive. The AmlScreeningResults data block is produced with empty matches[] and riskLabels[].

note

As matches may include false positives, manual review of individual matches is strongly recommended before any decision is made. All three verdicts produce the same AmlScreeningResults data block and potentially follow an identical flow route, as manual review is required.

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Output datablocks

Datablocks produced per verdict.

Verdict	Data blocks produced	Notes
match	AmlScreeningResults	Contains populated matches[] and riskLabels[]
no_match	AmlScreeningResults	matches[] and riskLabels[] are empty
inconclusive	AmlScreeningResults	matches[] and riskLabels[] are empty

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Example payloads

AmlScreeningResults — verdict: match

{
  "verdict": "match",
  "provider": "Ncino",
  "transactionReference": "cd35f8a0-f30c-4cfc-9bcb-12bf58d44876",
  "configurationIdentifier": "KYC_ID_CHECK_EXAMPLE",
  "createdAt": "2026-03-31T10:22:00.000Z",
  "inputSources": {
    "userReference": "start",
    "basicIdentity": "document-based idv"
  },
  "riskLabels": ["Sanction", "PEP"],
  "matches": [
    {
      "matchId": "profile-00123",
      "name": "Max Mustermann",
      "sources": [
        {
          "type": "SISPlusCheck",
          "name": "High Risk Match",
          "iD": "cd35f8a0-f30c-4cfc-9bcb-12bf58d44877"
        }
      ]
    },
    {
      "matchId": "profile-00456",
      "name": "Max Mustermann",
      "sources": [
        {
          "type": "PEPDeskCheck",
          "name": "High Risk Match",
          "iD": "cd35f8a0-f30c-4cfc-9bcb-12bf58d44879"
        }
      ]
    }
  ]
}

AmlScreeningResults — verdict: no_match

{
  "verdict": "no_match",
  "provider": "Ncino",
  "transactionReference": "cd35f8a0-f30c-4cfc-9bcb-12bf58d44876",
  "configurationIdentifier": "KYC_ID_CHECK_EXAMPLE",
  "createdAt": "2026-03-31T10:22:00.000Z",
  "inputSources": {
    "userReference": "start",
    "basicIdentity": "document-based idv"
  },
  "riskLabels": [],
  "matches": []
}