> ## Documentation Index
> Fetch the complete documentation index at: https://docs.didit.me/llms.txt
> Use this file to discover all available pages before exploring further.

# Business AML Screening

> Screen companies, UBOs, and officers against global sanctions, PEP, and watchlist databases. Entity AML included; $0.20 per person. No contracts.

Business verification includes AML screening at two levels: the **company entity** and all **identified individuals** (beneficial owners and officers). This ensures comprehensive compliance coverage.

The same two-score system used in user verification applies — see [AML screening overview](/core-technology/aml-screening/overview), [risk score](/core-technology/aml-screening/aml-risk-score), and [match score](/core-technology/aml-screening/aml-match-score) for the underlying model.

## Company-level AML

The company itself is screened against global watchlists as a legal entity:

| Check                      | Description                                                                       |
| -------------------------- | --------------------------------------------------------------------------------- |
| **Sanctions**              | International and national sanctions lists (OFAC, EU, UN, etc.)                   |
| **Regulatory enforcement** | Regulatory warnings, fines, and enforcement actions                               |
| **Adverse media**          | News articles about financial crime, fraud, or legal issues involving the company |

Company AML uses the same [two-score risk system](/core-technology/aml-screening/overview) as user verification:

* **Match score** — how confident the system is that the match refers to the same entity
* **Risk score** — how risky the matched entity is based on the category, country, and severity

Company-level screening produces:

| Field                     | Description                                    |
| ------------------------- | ---------------------------------------------- |
| `company_aml_score`       | Overall AML risk score for the company (0–100) |
| `company_aml_total_hits`  | Total number of watchlist matches found        |
| `company_aml_screened_at` | Timestamp of the most recent screening         |

## Person-level AML

Every identified beneficial owner and officer is individually screened against:

| Check                 | Description                                                                            |
| --------------------- | -------------------------------------------------------------------------------------- |
| **Sanctions**         | Individual sanctions across all major lists                                            |
| **PEP**               | Politically Exposed Persons at all levels (heads of state through to close associates) |
| **Criminal records**  | Global and local criminal databases                                                    |
| **Adverse media**     | News articles mentioning the individual in connection with financial crime             |
| **Fitness & probity** | Financial regulator fitness and probity registers                                      |

## Screening flow

<Steps>
  <Step title="Data extraction" icon="file-lines">
    Company name, registration number, country, and all identified persons are extracted from the registry lookup.
  </Step>

  <Step title="Company screening" icon="building">
    The company entity is screened against corporate sanctions, regulatory enforcement, and adverse media databases.
  </Step>

  <Step title="Person screening" icon="users">
    Each beneficial owner and officer is screened individually against PEP, sanctions, criminal, and adverse media databases.
  </Step>

  <Step title="Score and classify" icon="calculator">
    Each match receives a match score and risk score. Matches below the match score threshold are classified as false positives. Remaining matches determine the AML status.
  </Step>

  <Step title="Aggregate results" icon="chart-simple">
    The business session's overall AML status reflects the highest-risk result across the company and all screened individuals.
  </Step>
</Steps>

## Configuration

AML screening for business verification uses the same configurable thresholds as user verification:

| Setting                   | Description                                                                                   |
| ------------------------- | --------------------------------------------------------------------------------------------- |
| **Match score threshold** | Below this threshold, matches are auto-classified as false positives                          |
| **Approve threshold**     | Risk scores below this value result in an Approved AML status                                 |
| **Review threshold**      | Risk scores above this value result in a Declined AML status; between thresholds is In Review |

These thresholds can be set per workflow in the Business Console.

## Ongoing monitoring

If ongoing AML monitoring is enabled, all screened entities (company and individuals) are re-screened daily against updated watchlists. Any new matches trigger a webhook notification so your compliance team can take action.

### Enabling ongoing monitoring

Toggle ongoing monitoring per business session from the [Business Console](/business-verification/console) or via the API:

| Setting                         | Description                                            |
| ------------------------------- | ------------------------------------------------------ |
| `is_ongoing_monitoring_enabled` | Enable or disable daily re-screening for this business |
| `last_aml_bill_date`            | Timestamp of the most recent billed screening cycle    |

When enabled, Didit re-screens the company entity and all identified individuals against updated watchlists. New or changed matches generate a `data.updated` webhook event with `session_kind: "business"` (or `business.data.updated` when the entity profile changes).

<Note>
  Ongoing monitoring incurs a per-screening fee for each monitoring cycle. Review your billing settings to understand the cost impact before enabling monitoring across all business sessions.
</Note>

## Next steps

<CardGroup cols={3}>
  <Card title="AML overview" icon="shield-check" href="/core-technology/aml-screening/overview">
    Two-score system, watchlists, thresholds.
  </Card>

  <Card title="Business AML coverage" icon="database" href="/business-verification/aml-coverage">
    Sanctions, watchlists, and insolvency sources used at the company level.
  </Card>

  <Card title="Continuous monitoring" icon="arrows-rotate" href="/core-technology/aml-screening/continuous-monitoring-aml-screening">
    Ongoing rescans and webhook events.
  </Card>
</CardGroup>