Certified AML compliance: digital evidence for KYC and customer due diligence
Identity documents, verifications and KYC files certified with digital signature, timestamp and forensic metadata for AML compliance.
Anti-money laundering regulations impose growing customer due diligence obligations on financial institutions. The EU Anti-Money Laundering Directives, EBA guidelines on remote onboarding and the upcoming AMLR regulation require that every identity document collected is authentic, traceable and stored for at least ten years. Traditional processes based on scans, photocopies and fragmented archives do not produce evidence with probative value.
Synthetic identity fraud in Europe has grown by 378% in the past year, while the average cost of KYC operations per institution exceeds 72 million dollars annually. TrueScreen certifies every document collected during customer due diligence at the moment of acquisition: the result is structured, tamper-proof KYC files that reduce verification times and protect the institution from disputes and sanctions.
378%
synthetic identity fraud growth in Europe
(source)
$72M
average annual KYC cost per institution
(source)
10 yrs
minimum evidence retention under AML law
(source)
Industry
Financial services and banking
Business function
Compliance, AML, Operations, Back Office, Legal
Key process
Customer due diligence (KYC/CDD), identity verification, document collection, ongoing monitoring, evidence retention
Certified content
Identity documents, corporate registry extracts, AML questionnaires, beneficial ownership declarations, verification photos and videos, signed consent forms
Output
Certified documentation and reports with legal validity
Adoption mode
App / Web / API / SDK
Needs and challenges
Solution
TrueScreen integrates into the customer due diligence process as a native certification layer. The operator or customer collects identity documents, corporate extracts and declarations via mobile app or web portal. Each document receives a digital signature and qualified timestamp compliant with the eIDAS Regulation, with forensic metadata attesting date, time, location and collection device.
Customer identity can be verified via authenticated digital signature with OTP or biometric video verification. The KYC file is structured, tamper-proof and ready for regulatory archiving, with full traceability of every verification step.
What gets certified
Identity documents
ID card, passport, driving licence and residence permit with certified date and forensic metadata
Corporate documentation
Corporate registry extracts and company documentation for beneficial ownership verification
Questionnaires and declarations
AML questionnaires, risk profiles and declarations on beneficial ownership and source of funds
Biometric verifications
Verification photos and videos, PEP documentation and sanctions list screening
Expected benefits
| Business area | Key benefit |
|---|---|
| Compliance & AML | Every KYC document carries a digital signature and qualified timestamp. The institution can demonstrate full traceability of the due diligence process during inspections, with evidence that meets AMLD, AMLR, and EBA requirements without manual reconstruction. |
| Legal | Certified KYC files withstand document disavowal in court thanks to qualified digital signatures under the eIDAS Regulation. Each piece of evidence proves who collected the document, when, where, and with which device, reducing litigation exposure. |
| Anti-fraud | Authenticity is certified at the moment of document capture, making synthetic identity fraud and AI-generated forgeries irrelevant. The institution no longer relies on visual inspection alone: the certification itself is the proof of authenticity. |
| Operations | Customer due diligence completes in a single digital session instead of weeks of document exchanges. No more photocopies, scanning queues, or manual archiving. The structured KYC file is immediately available for verification and regulatory reporting. |
| Digital transformation | TrueScreen integrates via API and SDK into existing onboarding platforms and core banking systems. The certification layer adds legal validity to digital workflows without requiring process redesign or staff retraining across the branch network. |
| Risk management | Certified evidence reduces the regulatory risk profile by documenting every step of the verification chain. In case of sanctions or disputes, the forensic metadata proves the institution acted with due diligence at the time of onboarding. |
Partners
Banks and financial groups, credit intermediation companies, payment and electronic money institutions, asset management companies, trust companies, virtual currency operators, financial advisor networks, professional firms subject to AML obligations (accountants, notaries, lawyers), audit firms.
Integrations
TrueScreen integrates with AML systems and platforms, compliance and risk management software, core banking and customer management systems, digital onboarding and KYC platforms, regulatory archiving systems, centralized digital archives, customer portals and home banking, electronic signature platforms.
FAQ: certified AML compliance with digital evidence
1) What documents can be certified during customer due diligence?
2) How does TrueScreen ensure compliance with anti-money laundering regulations?
3) Can TrueScreen detect synthetic identity fraud or AI-generated documents?
4) How long does the certified KYC verification process take?
5) Is the certified KYC file admissible as evidence in regulatory inspections?
6) How does TrueScreen integrate with existing AML systems?
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