Check Types

Every verification Zenoo performs is composed of individual checks. Each check has a unique code, a method of execution, and a status lifecycle. The checks_summary.checks[] array in the compliance report references these types.

Identity Checks

Verify an individual’s identity through document scanning, biometrics, and database lookups.

Code	Name	Method	Description
`IDV_DOCUMENT`	Identity Document	API	Government ID scanning with OCR extraction. Supports passports, national ID cards, and driving licences. Returns extracted name, DOB, expiry, and gender
`IDV_BIOMETRIC`	Biometric Verification	API	Selfie capture with liveness detection and face matching against the document photo. Detects spoofing attempts (photos of photos, masks, screen recordings)
`IDV_DATABASE`	Database Verification	API	Name, date of birth, and address validation against official databases (electoral roll, credit bureau, government records)
`IDV_ADDRESS`	Address Verification	API	Address validation and geocoding against postal reference databases. Returns match level: full, partial, or none
`IDV_PHONE`	Phone Verification	API	Phone number verification including carrier lookup, line type detection (mobile, landline, VoIP), and OTP validation
`IDV_EMAIL`	Email Verification	API	Email deliverability check, disposable email detection, and fraud risk scoring

Screening Checks

Screen entities against global PEP, sanctions, adverse media, and watchlist databases.

Code	Name	Method	Description
`SCR_PEP`	PEP Screening	API	Screens against Politically Exposed Person databases. Returns match score, PEP class (1-4), positions held, and known associates
`SCR_SANCTIONS`	Sanctions Screening	API	Screens against OFAC SDN, EU, UN, and UK HMT consolidated sanctions lists. Any hit requires immediate escalation
`SCR_ADVERSE_MEDIA`	Adverse Media	API	Screens against negative news databases covering financial crime, fraud, terrorism, and money laundering. Returns article titles, URLs, and snippets
`SCR_WATCHLIST`	Watchlist Screening	API	Screens against law enforcement databases including Interpol, FBI, and national fugitive lists

Company Checks

Verify company identity and extract corporate structure from official registries.

Code	Name	Method	Description
`KYB_REGISTRATION`	Company Registration	API	Verifies the company against the official registry. Returns legal name, status, incorporation date, registered address, and SIC codes
`KYB_DIRECTORS`	Directors Verification	API	Extracts and verifies the current directors from the company registry. Each director is automatically screened for PEP/sanctions
`KYB_UBO`	UBO Verification	API	Extracts beneficial owners (shareholders with significant control) from the company registry. Each UBO is automatically screened

Financial Checks

Verify financial standing and source of funds/wealth.

Code	Name	Method	Description
`FIN_CREDIT`	Credit Check	API	Credit history verification against credit bureau records
`FIN_BANK_ACCOUNT`	Bank Account Verification	Document	Bank statement upload and verification. Confirms account ownership and recent transaction activity
`FIN_SOF`	Source of Funds	Document	Source of funds documentation review. Required for high-value transactions or high-risk entities
`FIN_SOW`	Source of Wealth	Document	Source of wealth documentation review. Required for Enhanced Due Diligence (EDD)

Check Status Lifecycle

Every check moves through a defined status lifecycle:

Pending -> Queued -> In Progress -> Complete
                                 -> Failed
                                 -> Waived
                                 -> Cancelled
                                 -> Reused

Status	Description
`Pending`	Check has been created but not yet queued for execution
`Queued`	Check is queued and waiting for execution
`In Progress`	Check is actively running against the provider
`Awaiting Document`	Check requires a document upload before it can proceed
`Awaiting Client`	Check requires user interaction (e.g., Person Verification journey completion)
`Complete`	Check finished successfully with a result
`Failed`	Check could not be completed (provider error, timeout, invalid data)
`Waived`	Check was manually waived by a compliance analyst
`Cancelled`	Check was cancelled before execution
`Reused`	A valid result from a previous verification was applied instead of re-executing
`Retry Scheduled`	Check failed with a transient error and is scheduled for automatic retry

Check Categories

Checks are grouped into five categories for reporting and risk assessment:

Category	Check Codes	Description
Identity	`IDV_DOCUMENT`, `IDV_BIOMETRIC`, `IDV_DATABASE`, `IDV_ADDRESS`, `IDV_PHONE`, `IDV_EMAIL`	Individual identity verification
Screening	`SCR_PEP`, `SCR_SANCTIONS`, `SCR_ADVERSE_MEDIA`, `SCR_WATCHLIST`	PEP, sanctions, and adverse media screening
Company	`KYB_REGISTRATION`, `KYB_DIRECTORS`, `KYB_UBO`	Company registry verification
Financial	`FIN_CREDIT`, `FIN_BANK_ACCOUNT`, `FIN_SOF`, `FIN_SOW`	Financial standing and source of funds
EDD	Varies	Enhanced Due Diligence checks triggered by high-risk assessment

Execution Methods

Method	Description	User Interaction
API	Executed automatically via provider API. No user action needed	None
Document	Requires document upload (bank statement, proof of funds)	Document upload
Manual	Requires manual review by a compliance analyst	Analyst review
Hybrid	Combines API execution with manual review for edge cases	Varies
Webhook	Results received via webhook callback from an external provider	None

API checks execute automatically when the verification is initiated. Document checks wait for the required document to be uploaded. Manual checks are assigned to compliance analysts for review.

Getting Started

Use-Case Guides

Platform Concepts

Domain Concepts

Data Model

Check Types

Check Types

Identity Checks

Screening Checks

Company Checks

Financial Checks

Check Status Lifecycle

Check Categories

Execution Methods

​Check Types

​Identity Checks

​Screening Checks

​Company Checks

​Financial Checks

​Check Status Lifecycle

​Check Categories

​Execution Methods

Check Types

Identity Checks

Screening Checks

Company Checks

Financial Checks

Check Status Lifecycle

Check Categories

Execution Methods