> ## Documentation Index
> Fetch the complete documentation index at: https://docs.zenoo.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Compliance Report
> The top-level response from Zenoo containing the overall verification verdict, risk assessment, and detailed check results.
# 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:
```json theme={null}
{
"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:
```json theme={null}
{
"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
Use `overall_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.