Compliance Report
The compliance report is the top-level response from Zenoo’s pull endpoint or webhook push. It contains the overall verification verdict, risk assessment, and detailed results for every check performed.Top-Level Fields
| Field | Type | Description |
|---|---|---|
case_reference | string | Zenoo’s unique case identifier (e.g., AML-2026-0042) |
external_reference | string | Your reference ID, echoed back from the request |
processing_status | string | complete, processing, or failed |
overall_verdict | string | Pass, Refer, or Fail |
risk_tier | string | High, Medium, or Low |
completed_at | string (datetime) | ISO 8601 timestamp when all checks finished |
next_review_date | string (date) | Recommended date for the next periodic review |
Store the
case_reference alongside your internal record. You will need it for support queries, audit trails, and linking future verification updates.Company Verification Compliance Report
Full example for a company verification:{
"case_reference": "AML-2026-0042",
"external_reference": "ONBOARD-2026-0042",
"processing_status": "complete",
"overall_verdict": "Refer",
"risk_tier": "Medium",
"completed_at": "2026-01-15T14:32:00Z",
"next_review_date": "2027-01-15",
"company": {
"legal_name": "Acme Holdings Limited",
"registration_number": "12345678",
"jurisdiction": "GB",
"company_status": "Active",
"company_type": "Private Limited Company",
"incorporation_date": "2015-03-15",
"registered_address": "123 High Street, London, EC1A 1BB",
"sic_codes": "64110,64191",
"verification_status": "Verified",
"verified_at": "2026-01-15T14:30:15Z"
},
"screening": {
"pep_status": "No Hit",
"sanctions_status": "No Hit",
"adverse_media_status": "Hit",
"adverse_media_count": 2,
"screening_provider": "WorldCheck",
"screening_completed_at": "2026-01-15T14:30:20Z"
},
"beneficial_owners": [
{
"name": "John Doe",
"date_of_birth": "1975-11-10",
"nationality": "GB",
"ownership_percentage": 75,
"pep_status": "No Hit",
"sanctions_status": "No Hit",
"identity_verified": false
}
],
"directors": [
{
"name": "Jane Smith",
"date_of_birth": "1980-05-20",
"role": "Director",
"pep_status": "No Hit",
"sanctions_status": "No Hit",
"screening_completed_at": "2026-01-15T14:30:25Z"
}
],
"risk_assessment": {
"overall_score": 45,
"tier": "Medium",
"factors": [
{
"factor": "Adverse Media",
"severity": "Medium",
"detail": "2 adverse media articles found for company"
}
]
},
"checks_summary": {
"total": 5,
"passed": 4,
"referred": 1,
"failed": 0,
"checks": [
{
"type": "Company Registration",
"status": "Pass",
"provider": "Registry"
},
{
"type": "Company Screening",
"status": "Refer",
"provider": "WorldCheck",
"matches": 2
},
{
"type": "Director Screening (Jane Smith)",
"status": "Pass",
"provider": "WorldCheck"
},
{
"type": "UBO Screening (John Doe)",
"status": "Pass",
"provider": "WorldCheck"
},
{
"type": "Directors Verification",
"status": "Pass",
"provider": "Registry"
}
]
},
"compliance_metadata": {
"cdd_completed": true,
"cdd_completed_at": "2026-01-15T14:32:00Z",
"edd_required": false,
"reviewed_by": "system",
"case_url": "https://app.zenoo.com/cases/AML-2026-0042"
}
}
Person Verification Compliance Report
Full example for an individual verification:{
"case_reference": "AML-2026-0099",
"external_reference": "APP-2026-0123",
"processing_status": "complete",
"overall_verdict": "Pass",
"risk_tier": "Low",
"completed_at": "2026-01-15T14:35:30Z",
"next_review_date": "2027-01-15",
"identity": {
"verified": true,
"decision": "Pass",
"score": 95,
"authentication_id": "auth-xyz789"
},
"document": {
"verified": true,
"document_type": "Passport",
"document_country": "GB",
"validation_result": "PASSED",
"tamper_result": "Pass",
"extracted_data": {
"full_name": "JANE ELIZABETH SMITH",
"date_of_birth": "1990-06-15",
"expiration_date": "2030-12-01",
"gender": "F"
}
},
"biometric": {
"liveness_verified": true,
"liveness_assessment": "Live",
"liveness_score": 98.5,
"face_match": true,
"face_match_score": 96.2
},
"screening": {
"pep_status": "No Hit",
"sanctions_status": "No Hit",
"adverse_media_status": "No Hit",
"screening_provider": "WorldCheck",
"screening_completed_at": "2026-01-15T14:35:10Z"
},
"phone_verification": {
"verified": true,
"carrier": "Vodafone UK",
"phone_type": "mobile"
},
"email_verification": {
"verified": true,
"risk_score": 12,
"deliverable": true
},
"address_verification": {
"verified": true,
"match_level": "full"
},
"risk_assessment": {
"overall_score": 15,
"tier": "Low",
"factors": []
},
"checks_summary": {
"total": 7,
"passed": 7,
"referred": 0,
"failed": 0,
"checks": [
{ "type": "Identity Document", "status": "Pass", "provider": "Zenoo" },
{ "type": "Biometric Liveness", "status": "Pass", "provider": "Zenoo" },
{
"type": "PEP/Sanctions Screening",
"status": "Pass",
"provider": "WorldCheck"
},
{ "type": "Phone Verification", "status": "Pass", "provider": "Zenoo" },
{ "type": "Email Verification", "status": "Pass", "provider": "Zenoo" },
{ "type": "Address Verification", "status": "Pass", "provider": "Zenoo" },
{ "type": "Database Verification", "status": "Pass", "provider": "Zenoo" }
]
},
"compliance_metadata": {
"cdd_completed": true,
"cdd_completed_at": "2026-01-15T14:35:30Z",
"edd_required": false,
"reviewed_by": "system",
"case_url": "https://app.zenoo.com/cases/AML-2026-0099"
}
}
Response Field Reference
Top-Level
| Field | Type | Values | Description |
|---|---|---|---|
case_reference | string | — | Zenoo’s unique case ID |
external_reference | string | — | Your reference, echoed back |
processing_status | string | complete, processing, failed | Current processing state |
overall_verdict | string | Pass, Refer, Fail | Aggregated verification outcome |
risk_tier | string | High, Medium, Low | Assessed risk level |
completed_at | datetime | — | ISO 8601 completion timestamp |
next_review_date | date | — | Recommended next review date |
Compliance Metadata
| Field | Type | Description |
|---|---|---|
compliance_metadata.cdd_completed | boolean | Whether Customer Due Diligence was performed |
compliance_metadata.cdd_completed_at | datetime | CDD completion timestamp |
compliance_metadata.edd_required | boolean | Whether Enhanced Due Diligence was triggered |
compliance_metadata.reviewed_by | string | system for automated review, or analyst name |
compliance_metadata.case_url | string (uri) | Direct link to the case in the Zenoo dashboard |
Verdict Decision Logic
Useoverall_verdict and risk_tier to drive your enrichment pipeline:
| Verdict | Risk Tier | Recommended Action |
|---|---|---|
Pass | Low | Auto-approve |
Pass | Medium | Auto-approve with enhanced monitoring |
Refer | Medium | Manual compliance review required |
Refer | High | Senior compliance review, consider EDD |
Fail | Any | Reject and escalate to compliance team |
If
sanctions_status is Hit on any entity (company, director, UBO, or individual), halt processing immediately regardless of the overall verdict.