> ## Documentation Index
> Fetch the complete documentation index at: https://developers.argosidentity.com/llms.txt
> Use this file to discover all available pages before exploring further.

# AML Database Sources and Codes

> Database sources and risk code information for AML screening provided by ARGOS Identity

## AML Function Overview

AML (Anti-Money Laundering) is a function that identifies risks by comparing user identity information with global risk databases. AML evaluates user credibility and identifies various risk factors to enable appropriate actions.

ARGOS Identity evaluates risks by comparing information such as **name, date of birth, and nationality** with global risk person databases.

***

## AML Results - Current Status

AML screening results are classified as follows:

| Status         | Description                                                                                 |
| -------------- | ------------------------------------------------------------------------------------------- |
| `No Matches`   | No matching individuals were found, so screening was not performed.                         |
| `Not Screened` | Status indicating that screening was not performed.                                         |
| `Red Flag`     | Identified as a high-risk individual or organization requiring additional review or action. |

***

## AML Risk Icons

AML screening results are classified by risk level as follows:

<div style={{ backgroundColor: '#fee2e2', borderLeft: '4px solid #dc2626', padding: '1rem', marginBottom: '1rem', borderRadius: '4px' }}>
  ### Red Flag (High)
</div>

| Risk Icon     | Description                                                                                                    |
| ------------- | -------------------------------------------------------------------------------------------------------------- |
| `SAN-CURRENT` | Indicates an individual currently registered on sanctions lists.                                               |
| `PEP-CURRENT` | Indicates an individual currently involved in politics.                                                        |
| `REL`         | Indicates an individual or organization subject to action by financial regulatory or law enforcement agencies. |

<div style={{ backgroundColor: '#fff7ed', borderLeft: '4px solid #ea580c', padding: '1rem', marginBottom: '1rem', borderRadius: '4px' }}>
  ### Red Flag (Medium)
</div>

| Risk Icon    | Description                                                                         |
| ------------ | ----------------------------------------------------------------------------------- |
| `PEP-LINKED` | Indicates an individual related to politicians.                                     |
| `PEP-FORMER` | Indicates an individual who was previously involved in politics.                    |
| `SAN-FORMER` | Indicates an individual who was previously registered on sanctions lists.           |
| `POI`        | Indicates an individual or organization with expired PEP status or old RRE records. |

<div style={{ backgroundColor: '#eff6ff', borderLeft: '4px solid #2563eb', padding: '1rem', marginBottom: '1rem', borderRadius: '4px' }}>
  ### Red Flag (Low)
</div>

| Risk Icon | Description                                                                                                                               |
| --------- | ----------------------------------------------------------------------------------------------------------------------------------------- |
| `RRE`     | Indicates an individual or organization reported in global media for involvement in financial crimes.                                     |
| `INS`     | Indicates an individual declared bankrupt or insolvent. (UK & Ireland Only)                                                               |
| `DD`      | Indicates an individual disqualified as a company director. (UK Only)                                                                     |
| `GRI`     | Enhanced Due Diligence (EDD) summary report on the subject's source of assets, potential political exposure, and reputation risk exposure |

<div style={{ backgroundColor: '#f0fdf4', borderLeft: '4px solid #16a34a', padding: '1rem', marginBottom: '1rem', borderRadius: '4px' }}>
  ### Not Screened
</div>

| Status         | Description                |
| -------------- | -------------------------- |
| `Not Screened` | No matching results found. |

***

## Risk Icon Detailed Descriptions

| Risk Icon                                     | Description                                                                                                                                                       |
| --------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `Politically Exposed Person (PEP)`            | Indicates an individual with prominent political roles such as heads of state, members of parliament, board members of state-owned enterprises, ambassadors, etc. |
| `PEP-CURRENT`                                 | Indicates an individual currently involved in politics.                                                                                                           |
| `PEP-FORMER`                                  | Indicates an individual who was previously involved in politics.                                                                                                  |
| `PEP-LINKED`                                  | Indicates an individual related to politicians.                                                                                                                   |
| `Sanction (SAN)`                              | Indicates any individual or organization subject to sanctions by institutions such as UN, EU, etc.                                                                |
| `SAN-CURRENT`                                 | Indicates an individual currently registered on sanctions lists.                                                                                                  |
| `SAN-FORMER`                                  | Indicates an individual who was previously registered on sanctions lists.                                                                                         |
| `Regulatory Enforcement List (REL)`           | Indicates an individual or organization subject to action by financial regulatory or law enforcement agencies.                                                    |
| `Reputation Risk Exposure (RRE)`              | Indicates an individual or organization reported in global media for involvement in financial crimes.                                                             |
| `Profile of Interest (POI)`                   | Indicates an individual or organization with expired PEP status or old RRE records.                                                                               |
| `Insolvency (INS)`                            | Indicates an individual declared bankrupt or insolvent. (UK & Ireland Only)                                                                                       |
| `Disqualified Director (DD)`                  | Indicates an individual disqualified as a company director. (UK Only)                                                                                             |
| `EDD Report - Executive Summary Report (GRI)` | Enhanced Due Diligence summary report on the subject's source of assets, potential political exposure, and reputation risk exposure                               |

***

## Categories and Risk Levels

| Category       | Risk Level | Description                                                                                                           |
| -------------- | ---------- | --------------------------------------------------------------------------------------------------------------------- |
| `SAN-CURRENT`  | High       | Individual currently registered on sanctions lists.                                                                   |
| `PEP-CURRENT`  | High       | Individual currently involved in politics.                                                                            |
| `REL`          | High       | Individual subject to action by financial regulatory agencies.                                                        |
| `PEP-LINKED`   | Medium     | Individual related to politicians.                                                                                    |
| `PEP-FORMER`   | Medium     | Individual who was previously involved in politics.                                                                   |
| `SAN-FORMER`   | Medium     | Individual who was previously registered on sanctions lists.                                                          |
| `POI`          | Medium     | Individual with expired PEP status or old RRE records.                                                                |
| `RRE`          | Low        | Individual reported in global media for involvement in financial crimes.                                              |
| `INS`          | Low        | Individual declared bankrupt or insolvent.                                                                            |
| `DD`           | Low        | Individual disqualified as a company director.                                                                        |
| `GRI`          | Low        | Individual or organization with an Enhanced Due Diligence investigation report prepared by professional institutions. |
| `Not Screened` | -          | No matching results found.                                                                                            |

***

## AML Screening Threshold

The AML screening threshold is a criterion value used by the system to determine risks. Users can adjust this value to control the sensitivity of risk assessment.

Higher threshold settings identify more risk factors, while lower settings identify fewer risk factors. Settings can be adjusted according to business requirements.

<Info>
  You can configure the AML screening threshold in the dashboard under **Project Management > Policy and Authentication > Anti-Money Laundering (AML)**.
</Info>

***

## Input Fields

The following fields are used to check whether the search subject's name matches names of risk persons in the AML database:

### Name

* **Case sensitivity, capitalization, accents, and name order changes are applied**
* String distance algorithms are used to measure differences between names.
* ARGOS Identity library is used for similar name or nickname searches.
* Based on the ARGOS Identity library, completely different texts can also be matched.

### Date of Birth

Checks the matching status of the input value with the date of birth in the ARGOS Identity database. If the Profile's date of birth does not exactly match, the search match rate is recorded as 80%.

### Nationality

Checks the matching status of the input value with the country in the ARGOS Identity database. If the Profile's country does not exactly match, the search match rate is recorded as 80%.

***

## Nickname Search Example

Screening results for individuals searched by nickname rather than legal name may include person data matching both the legal name and nickname. For example, when searching for **Tony**, person data matching both **Anthony** and **Tony** may be retrieved.

ARGOS Identity continues to expand the scope of similar name or nickname searches to provide more accurate search results.

***

## Matching Score Calculation

The final Matching score is calculated as the average of input field values. The average of each field value is calculated as follows:

### Calculation Example

* **Name Matching Score**: 86%
* **Date of Birth Matching Score**: 100%
* **Nationality Matching**: 80%

**Final Search Match Rate**: (86% + 100% + 80%) ÷ 3 = **88.67%**

***

## Search Algorithm

Name searches use the following technologies:

* **Language variation-based search**
* **Levenshtein Distance algorithm-based**
* **Native language search and similar pronunciation search**

***

## Response Guide by Risk Level

<CardGroup cols={3}>
  <Card title="High Risk" icon="exclamation-triangle" iconColor="#dc2626">
    Immediate additional verification and approval procedures required
  </Card>

  <Card title="Medium Risk" icon="exclamation-circle" iconColor="#ea580c">
    Enhanced Due Diligence (EDD) recommended
  </Card>

  <Card title="Low Risk" icon="info-circle" iconColor="#2563eb">
    Apply standard monitoring procedures
  </Card>
</CardGroup>

***

## Important Notes

<Warning>
  **AML screening results are for reference only, and additional due diligence may be required for final decision-making.**
</Warning>

***

## AML Database Source Documents

ARGOS Identity's AML screening is provided based on the following database sources:

<CardGroup cols={1}>
  <Card title="PEP Methodology" icon="file-pdf" href="https://drive.google.com/file/d/1y-m-3Jj9d-QLQOdRSN1-SfkwFAhUmrHH/view?usp=sharing">
    Detailed documentation on PEP (Politically Exposed Person) search methodology
  </Card>

  <Card title="Sanction Content" icon="file-pdf" href="https://drive.google.com/file/d/1xfkVpoSx_-DvHqHBaX5kRVKYBqwrpi3a/view?usp=sharing">
    Detailed documentation on sanctions list content
  </Card>

  <Card title="Sanctions Sources" icon="file-pdf" href="https://drive.google.com/file/d/1HeE7dhlqGS7vnzkh97LNOj6jQLvlPbpO/view?usp=sharing">
    Detailed documentation on sanctions list database sources
  </Card>
</CardGroup>

***

## Related Documentation

<CardGroup cols={3}>
  <Card title="AML Configuration Guide" icon="sliders" href="/dashboard/en/project-management/policy-and-authentication/aml">
    Configure AML features in the dashboard
  </Card>

  <Card title="AML Search API" icon="magnifying-glass" href="/en/idcheck/api-reference/api-reference-guide/aml_data/aml_search/Post-Aml">
    How to use AML Search API
  </Card>

  <Card title="AML Ongoing Monitoring" icon="radar" href="/dashboard/en/project-management/policy-and-authentication/aml">
    AML Ongoing Monitoring configuration
  </Card>
</CardGroup>