KYC Checklist — Client Onboarding

Complete list of documents and verifications required for KYC onboarding of a new client, compliant with AMLD6 requirements and international AML standards.

18 items•11 required

Identity Verification

Valid government-issued IDRequired

Passport, national ID card, or driver's licence — front and back copy with legible photo.

Reference: AMLD6 Art. 13

Biometric verification (face matching)

Real-time selfie or video compared against the ID document to prevent identity fraud.

Reference: eIDAS

Liveness detection check

Anti-spoofing test to confirm the person is physically present during the verification process.

Reference: eIDAS Art. 24

Automated data extraction (OCR)Required

Extraction of name, date of birth, and document number via optical character recognition.

Reference: AMLD6 Art. 13

Address Verification

Recent proof of addressRequired

Utility bill, landline, or internet bill dated within the last 3 months.

Reference: AMLD6 Art. 13

Bank statement with address

Bank statement from the last 3 months showing full name and residential address.

Reference: FCA Guidelines

Council tax bill or government correspondence

Official government letter or tax document confirming the registered address.

Reference: AMLD6 Art. 13

Income and Financial Profile

Tax return or assessmentRequired

Latest tax return to verify declared income and financial profile consistency.

Reference: AMLD6 Art. 13(1)(c)

Payslips (last 3 months)

Recent payslips for employed individuals, confirming regular income level.

Reference: FCA Guidelines

Bank statements (last 3 months)

Current account statements to analyse financial flows and detect inconsistencies.

Reference: AMLD6 Art. 18

Corporate Documents (Legal Entities)

Certificate of incorporationRequired

Official proof of company registration from the relevant national registry.

Reference: AMLD6 Art. 13(1)(b)

Articles of associationRequired

Consolidated version of the articles including the company's purpose and share structure.

Reference: AMLD6 Art. 13(1)(b)

Ultimate Beneficial Ownership (UBO) registerRequired

Declaration of all natural persons holding more than 25% of shares or voting rights.

Reference: AMLD6 Art. 30

Directors' identification documentsRequired

Copies of valid ID for all directors, authorised signatories, and beneficial owners.

Reference: AMLD6 Art. 13

Screening and Filtering

PEP (Politically Exposed Person) checkRequired

Screening against national and international PEP databases to identify heightened risk.

Reference: AMLD6 Art. 20

Sanctions list screeningRequired

Verification against EU, UN, OFAC, and HMT sanctions lists.

Reference: AMLD6 Art. 14

Adverse media screening

Search through press and media databases for negative news and reputational risk indicators.

Reference: JMLSG Guidance

Risk score assignmentRequired

Classification of the client into low, standard, or high risk with documented justification.

Reference: AMLD6 Art. 8

Automate this checklist

CheckFile automatically verifies every document on the list.