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Electronic ID&V user guide for TransUnion Web Portal

Overview

• You must obtain the client’s consent before you perform an electronic check

• You must perform the check with the client present/on the telephone as the client will be

required to answer 5 questions

• The client must answer at least 3 questions correctly to pass ID&V

• If the client does not answer enough questions correctly you must NOT repeat the checks such

that they get another chance at answering the questions

• You must save the evidence produced on the web portal as a pdf and upload this pdf to OWS

EID&V process

1 Obtain client consent for EID&V checks ................................................................................. 2

2 Arrange an appointment with client to conduct EID&V checks ............................................... 2

3 Perform Electronic ID&V ....................................................................................................... 3

3.1 Logging in to the TransUnion CallValidate application ........................................................... 3

3.2 Initiating the EID&V Checks .................................................................................................... 3

3.3 Completing the client data input screen................................................................................. 4

3.4 Completing web check 1: Interpreting the CallValidate Report ............................................. 5

Report Tabs – section A .................................................................................................. 5

Report Outcome – section B ........................................................................................................... 6

Notices – section C .......................................................................................................... 7

Warnings – section D ...................................................................................................... 7

Results – section E ........................................................................................................... 7

Audit Information – section F ......................................................................................... 7

3.5 Completing Web Check 2: CallValidate3D .............................................................................. 8

4 Assess whether client has passed the EID&V checks ............................................................ 10

5 Save the EID&V output ....................................................................................................... 11

5.1 Saving pdf file in ............................................................................................... 11

5.2 Saving pdf file in Internet Explorer or Microsoft Edge ............................................ 13

6 Update OWS with EID&V evidence ...................................................................................... 14

TransUnion Electronic ID & Verification Client Declaration .......................................................... 16

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1 Obtain client consent for EID&V checks

You must obtain the client’s consent to run the electronic ID&V checks. Client consent can be

obtained by:

1. Obtaining a wet signed declaration - see final page of this guide for the declaration form

2. Obtaining an electronically signed declaration (applicable for firms on the eSignature pilot)

3. Obtaining email consent from the client – the client must send an email to you with the

following declaration wording:

Adviser name: <Your name> Firm name: <Your firm> I agree to you undertaking a search with TransUnion on behalf of Openwork for the purposes of verifying my identity. I understand that to do so TransUnion may check the details I supply against any particulars on any database (public or otherwise) to which they have access and that the search footprint retained by TransUnion will show that an anti-money laundering check has been performed.

Client name: <Client to complete> Date: <Client to complete>

If the client does not give their consent for EID&V, the manual ID&V process must be adhered to.

2 Arrange an appointment with client to conduct EID&V checks

You must arrange an appointment with the client to perform the EID&V checks. This is because the

EID&V process includes a questions-based check that must be conducted verbally with the client to

prove they are indeed the person they claim to be.

It is anticipated that most EID&V checks will be performed via a telephone call with the client.

However, it will be possible to conduct EID&V checks with the customer in a face-to-face meeting

should the you choose to do so, and the client gives their consent.

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3 Perform Electronic ID&V

3.1 Logging in to the TransUnion CallValidate application

Navigate to the following web url: https://www.callcreditsecure.co.uk/callvalidate/

You will see a login page, as illustrated to the right >>

Input your login credentials.

The main ‘Welcome’ landing page will be displayed.

3.2 Initiating the EID&V Checks

The TransUnion electronic ID&V process consists of two checks, these being:

1. CallValidate – This verifies the client’s identity exists and is genuine by checking various data

sources and performs a money laundering check

2. CallValidate3D – This verifies the client is indeed that person by presenting the client with

questions only they should be able to answer

Both checks must be completed successfully for a customer to be considered electronically

authenticated. The checks are initiated as follows:

Click the ‘CHECKS’ link in the header bar.

A dropdown list will display. Select the option ‘WEB CHECKS’.

A new screen will be displayed from where details about the client can be input.

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3.3 Completing the client data input screen

WARNING – When inputting information, pressing the ‘Return key’ will initiate the check.

Therefore, to navigate from one field to the next either:

• Press the ‘Tab’ key

or

• Use your mouse and click from one field to the next

This screen has 4 sections and should be completed as follows:

The following fields must be input:

• Title

• Forename

• Surname

• Date of Birth Please input the other information about the client if it is known.

At least one of the following fields must be input:

• Abode Number/Name

• Building Number

• Building Name

‘Street’ and ‘Post Town’ are optional fields but please complete if known.

‘Postcode’ must be input. Please note, a space must be input between the outbound and inbound elements.

A previous address does not have to be input but we recommend it should be input if the client has resided at their current address for less than 3 years.

Not required.

The ‘Your Reference’ field is optional and is available for you to add a reference number for the client if you wish.

Once all client information has been input the client check can be initiated by either:

• Clicking the ‘Perform Check’ button

or

• Pressing the Return key on the keyboard.

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3.4 Completing web check 1: Interpreting the CallValidate Report

Each CallValidate client check performed will generate a report that will consist of various sections

as illustrated and labelled in the example below.

Report Tabs – section A

The tabs enable navigation to different elements of the report. The most important elements are the

‘Summary’ tab (which is the default view) and the ‘CallValidate3D’ tab. The ‘Identity’ tab gives more

detailed information about the identity matches found for the client – but you do NOT need to look

at this information. The ‘Bank’ and ‘Card’ tabs will not apply and will be greyed out and inaccessible.

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Report Outcome – section B

This section displays the result of the first check only – the CallValidate identity check. It does NOT

reflect the result of the CallValidate3D check.

The CallValidate report outcome will determine what the next steps in the process will be. Note, in

all cases an accompanying score will be displayed next to the result. This score can be ignored.

3.4.1.1 Report Outcome: Fail

If the client’s identity check fails to be authenticated the following red coloured ‘Fail’ report

outcome banner will be displayed:

If the client’s identity has failed to be authenticated there is no need to proceed to the identity

verification questions section to perform the CallValidate3D check.

The customer’s identity will need to be validated and verified manually. Therefore, abort the

electronic ID&V process and logout of the CallValidate application.

Note - If the client has failed but you realise you have keyed in their details incorrectly you are

permitted to attempt the process again with correct client details.

3.4.1.2 Report Outcome: Pass

If the client’s identity check is authenticated the following green coloured ‘Pass’ report outcome

banner will be displayed:

You can now proceed to the ‘Call Validate3D’ tab in order that the questions can be asked of the

client to prove that they are indeed the person they claim to be. Refer to the ‘CallValidate3D’

section.

3.4.1.3 Report Outcome: Pass – Warnings Present

If the client’s identity check is authenticated but with a referral the following amber coloured ‘Pass –

Warnings Present’ report outcome banner will be displayed:

Refer to the warnings section.

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Notices – section C This section can be ignored.

Warnings – section D

Warnings can be viewed by clicking [show/hide]

The following table details the warnings that may be output (where a client receives a “Pass –

warnings present” result) and the corresponding action you should take for each warning:

Warning Text Description Adviser action required

Warning! Name matched to PEP database

Returned if the name has been matched against the Politically Exposed Persons (PEP) list.

Investigate whether client is a PEP.

Warning! Name matched to HMTFS database

Returned if the name has been matched against the HM Treasury financial sanctions (HMTFS) list.

No action required.

Warning! Name matched to OFAC SDN database

Returned if the name has been matched against the US Office of Foreign Asset Control Specially Designated Nationals (OFAC SDN) list.

No action required.

Having taken account of the remedial action you need to perform in relation to the warning(s), you

can now proceed to the ‘Call Validate3D’ tab in order that the questions can be asked of the client to

prove that they are indeed the person they claim to be. Refer to the ‘CallValidate3D’ section.

Results – section E This section can be ignored.

Audit Information – section F This section can be ignored.

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3.5 Completing Web Check 2: CallValidate3D

The CallValidate3D tab contains the 5 Knowledge-Based Authentication (KBA) questions generated (at random) from the data TransUnion collates about the individual, as illustrated in the following screenshot.

You must:

1. Ask the client each question and ensure that you provide the client with the available multiple-choice answers.

2. Ensure you select the answer given by the client. Please note, once an answer is selected it cannot be changed.

3. Ensure the client provides an answer for all 5 questions.

Once all 5 answers are given the ‘CallValidate3D Results’ section will appear beneath the question set. The CallValidate3D Results section does not return a pass or fail result – instead it provides a count of the correct answers and displays the percentage of correct answers. Please note, the report outcome banner at the top of the page does not reflect the result of CallValidate3D questions.

The client must answer at least 3 questions correctly for Openwork to be satisfied that the individual is indeed the owner of the identity. This effectively means the Openwork pass mark is 60% (or above) for the CallValidate3D questions.

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In the example below, the client has provided 4 correct answers out of 5. Thus, they have scored 80% and have passed the CallValidate3D check.

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4 Assess whether client has passed the EID&V checks

To be electronically authenticated, a client MUST have passed BOTH the CallValidate check and the CallValidate3D questions check. If you are in any doubt about how to interpret the results of the checks, please reference the following table:

Check 1.

CallValidate

Report Outcome

Check 2.

CallValidate3D

Result

Is client ID&V

considered

authenticated?

Next action required

60% or above Yes Save the report output as a

pdf file and upload to OWS

Warning! Name matched to

HMTFS database

and/or

Warning! Name matched to

OFAC SDN database

60% or above Yes

Warning can be

ignored.

Save the report output as a

pdf file and upload to OWS

Warning! Name matched to PEP

database

60% or above Yes - but further

investigation

required as to

whether client is a

PEP

If a PEP: Save the report

output as a pdf file. Apply

for PEP concession and

upload pdf file to OWS.

If not a PEP: Save the

report output as a pdf file

and upload to OWS

No need to

complete

No Manual ID&V required

40% or below No Manual ID&V required

40% or below No Manual ID&V required

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5 Save the EID&V output

If the client has passed both the CallValidate check and the CallValidate3D questions check, the result must be saved as a pdf file in order that it can be uploaded to the client record on OWS as evidence ID&V has been completed.

The process for saving the report as a pdf file will depend upon which internet browser you are using.

5.1 Saving pdf file in

1. Click the settings icon.

2. A dropdown box will appear.

3. Select and click ‘Print’.

Alternatively, you can use a keyboard shortcut that will perform the same process.

To do so, press the keys ‘Ctrl’ + ‘P’

4. A ‘Print’ settings box will display.

5. Beneath the ‘Destination’ sub-heading

click the ‘Change’ button.

6. The ‘Select a destination’ settings box

will display.

7. Within the ‘Print Destinations’ section, select ‘Save as PDF’.

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8. The ‘Print’ settings box will now show ‘Save as PDF’ as the Destination.

9. Click the ‘Save’ button.

10. The standard ‘Save as’ window will display.

11. From here you can add a name to the pdf file and save it in an appropriate location.

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5.2 Saving pdf file in Internet Explorer or Microsoft Edge

1. Click the settings icon.

2. A dropdown box will appear.

3. Select and click ‘Print’.

Alternatively, you can use a keyboard shortcut that will perform the same process. To do so, press the keys ‘Ctrl’ + ‘P’

4. A ‘Print’ settings box will display.

5. Within the ‘Select Printer’ section, select ‘Microsoft Print to PDF’.

6. Click the ‘Print’ button.

7. The standard ‘Save as’ window will

display.

8. From here you can add a name to the pdf file and save it in an appropriate location.

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6 Update OWS with EID&V evidence

Completing the CVI Details screen correctly for EID&V will involve completion of the following sections labelled in red lettering. Details of how to complete each section can be found below.

Concessions – (section A)

This section should be completed as per the standard rules for any concession required and/or permitted.

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Evidence – standard government issued document (section B)

As illustrated, the “Electronic ID” checkbox should be selected.

Evidence – standard government and public/FCA section issued documents (section C)

This section must NOT be completed.

Electronic ID (section D)

Selecting the ‘Electronic ID’ checkbox in section B will cause the Electronic ID data input section to appear. Please complete this section as follows:

• Reference number – As per the client’s name associated with the EID&V evidence

• Date of Evidence – input the date the EID&V check was run

• Name of Authority or issuer – Please input ‘Call Validate’

Document upload (section E)

Please upload:

• The client’s EID&V pdf file saved from the CallValidate web application

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TransUnion Electronic ID & Verification Client Declaration

Adviser name:

Firm name:

I agree to you undertaking a search with TransUnion on behalf of Openwork for the purposes of verifying my identity. I understand that to do so TransUnion may check the details I supply against any particulars on any database (public or otherwise) to which they have access and that the search footprint retained by TransUnion will show that an anti-money laundering check has been performed.

Client name:

Signed:

Dated: