FinCEN 2026 Compliant

Personal Background Checks
— Comprehensive,
Fast, Accurate

Screen any individual across 20+ verified data sources — sanctions lists, PEP databases, adverse media, court records, and real-time registry lookups. Built for FinCEN 2026 CDD requirements. Results in under 2 minutes.

veridact — person-check
subject John A. Mercer
dob 1978-04-12
country US

Pre-flight validation
OFAC + UN sanctions clear
PEP screening (WC) clear
Adverse media scan clear
Court records clear
State registry lookup clear
CDD cross-reference complete

risk score LOW (12/100) ✓ Clear
elapsed 1m 43s
PDF report ready →
193
findings generated across 94 unique sources
100%
completion rate on all screening checks
<2m
average time to full background report
What's Included

Every layer of individual risk — covered

One check. Every vector. No manual legwork.

🌐

20+ Verified Data Sources

Simultaneous screening against global sanctions authorities, PEP registries, Interpol red notices, adverse media aggregators, debarment lists, court records, and real-time dynamic state registries — all in one lookup.

OFAC UN Security Council EU Consolidated Interpol + 16 more

9-Phase Screening Pipeline

A structured, auditable pipeline from pre-flight validation through cross-referencing — each phase documented and timestamped. Regulators get a clear chain of evidence. You get peace of mind.

Pre-flight Identity resolution Sanctions PEP Cross-reference
🔗

CDD Cross-Referencing

Dynamic Customer Due Diligence with real-time state registry lookups. Risk scores are cross-referenced against beneficial ownership data, jurisdiction risk ratings, and adverse corporate connections — not just the individual in isolation.

FinCEN 2026 Beneficial ownership State registries
📄

PDF Reports with Visual Risk Assessment

Every check produces a board-ready PDF report with a visual risk summary, source-by-source findings, a structured Mermaid pipeline diagram showing exactly how the score was derived, and a clear pass/flag/escalate verdict.

PDF export Risk timeline Audit trail Mermaid diagrams
The Pipeline

9 phases. Zero guesswork.

Built on an auditable, multi-phase architecture that satisfies both internal compliance teams and external regulators. Each phase is recorded and exportable.

Start a free check →
01

Pre-flight Validation

Name normalization, alias expansion, jurisdiction detection, DOB disambiguation.

02

Sanctions Screening

OFAC SDN, UN Security Council, EU Consolidated, OFSI, and 10+ additional lists.

03

PEP Identification

Politically Exposed Person detection across Wikidata, OpenSanctions, and government databases.

04

Adverse Media Analysis

Structured extraction from 1,000+ news sources with risk signal classification.

05

Court & Debarment Records

Litigation filings, World Bank/EBRD debarments, Interpol notices.

06

Corporate Ownership Mapping

Beneficial ownership trace via SEC EDGAR, OpenCorporates, and GLEIF.

07

State Registry Lookups

Dynamic real-time queries across jurisdiction-specific regulatory databases.

08

CDD Cross-Referencing

Risk score synthesis across all vectors — sanctions weight, PEP tier, media sentiment, litigation exposure.

09

Report Generation

Structured PDF with visual risk timeline, Mermaid pipeline diagram, and final CDD verdict.

Real Results

Numbers from production

100%
Completion rate across all checks run to date
No partial reports, no silent failures
<2m
Average time from submission to full PDF report
Including all 9 pipeline phases

Ready to screen your first individual?

Start free. Starter plan gives you 20 checks per month for $20/month. No setup fees, no per-source charges, no surprises — full 9-phase pipeline on every check.

Starter: $20/mo for 20 checks · Essentials: $75/mo for 100 checks · View full pricing →