Can trusqo handle enhanced due diligence requirements?

Yes. You can configure stricter match thresholds, shorter document age limits, and specific document type requirements on a per-request basis. This lets you apply enhanced due diligence standards to higher-risk customers while using standard settings for lower-risk onboarding.

AML compliance

Proof of address verification for anti-money laundering

Q: Is proof of address required for AML compliance?

Yes. All major AML frameworks, including the EU AMLDs, US BSA/CIP, UK FCA guidance, and equivalents in Singapore, Australia, and Canada, require customer due diligence that includes verifying the customer's residential address. The specific documentary requirements vary by jurisdiction and risk level.

Q: What documents are accepted for AML address verification?

Widely accepted documents include utility bills (gas, electricity, water), bank or building society statements, government-issued letters (tax notices, benefits correspondence), insurance documents, and mortgage statements. Documents must typically be issued within the last 3 months and show the customer's full name and residential address. Mobile phone bills, screenshots, and self-issued documents are generally not accepted.

Q: How does trusqo help with AML audits?

Every verification produces a detailed record: what data was extracted from the document, what it was compared against, the match scores calculated, and the decision reached. These records are available via API and as downloadable PDF reports, giving you exactly the evidence trail regulators expect during an AML audit.

Q: Does trusqo support documents in non-Latin scripts?

Yes. Trusqo processes documents in any language and script, including Arabic, Cyrillic, Chinese, Japanese, Korean, Thai, Hebrew, and Devanagari. Non-Latin text is automatically transliterated to Latin characters for matching against your reference data.

AML regulations require you to verify where your customers live. Trusqo automates address verification as part of your CDD process, extracting and matching documents in seconds with a full audit trail.

Get started

180+ Countries

50+ Languages

<3s Per check

Thameside Energy

Your energy bill

Total due £82.40

Sarah M. Kensington

Acct 8821 0094

123 Main Street, London

CDD verification result

Name Sarah M. Kensington 90%

Address 123 Main St, London 95%

Doc type Utility bill Pass

Issued 3 Apr 2026 Pass

CDD level Standard Pass

Approved

Audit trail: a1b2c3d4…567890

The problem

Address verification is an AML blind spot

Identity verification gets the most attention in AML programs, but address verification is where gaps appear. Regulators expect you to confirm residency as part of customer due diligence, and they expect you to document how you did it.

Manual review of utility bills and bank statements is slow, inconsistent, and hard to defend in an audit. When your team handles documents in multiple languages, the risk of errors multiplies.

Regulatory exposure

Incomplete address checks create gaps that regulators flag during AML audits

Inconsistent standards

Different reviewers make different judgment calls on the same documents

Cross-border complexity

International customers submit documents in scripts and formats your team may not read

Regulatory context

What AML frameworks require for
address verification

Address verification is a core part of customer due diligence across every major AML regime.

EU AMLD & AMLR

Obliged entities must verify customer identity and address using reliable, independent sources as part of standard CDD. The new AMLR applies from July 2027.

US BSA / FinCEN

The CIP rule requires financial institutions to verify customer identity, including residential address, with documentary or non-documentary methods.

UK FCA / JMLSG

JMLSG guidance specifies acceptable address verification documents, recency requirements, and risk-based approaches.

SG MAS

CDD that includes residential address verification for all customers, with enhanced measures for higher-risk relationships.

AU AUSTRAC

Reporting entities must verify customer identity, including address, before providing designated services.

CA FINTRAC

Address verification required as part of customer identification for all reporting entities.

How it works

Address verification that fits your AML workflow

Upload

Utility bill, bank statement, government letter, or insurance document. Send it via API or the dashboard alongside the expected name and address.

curl -X POST https://app.trusqo.com/api/verify \
  -H "X-API-Key: $TRUSQO_KEY" \
  -F "name=Sarah M. Kensington" \
  -F "address=123 Main St, London" \
  -F "[email protected]"

Extract

Trusqo reads the document in any language, extracts name, address, date, and document type. Non-Latin scripts are transliterated automatically.

Name Sarah M. Kensington

Address 123 Main St, London

Type utility-bill

Verify

A clear pass or fail verdict with per-field match scores and a downloadable PDF report. Everything a regulator needs during an audit.

{
  "status": "approved",
  "nameMatchScore": 0.90,
  "addressMatchScore": 0.95,
  "extractedDocType": "utility-bill"
}

Why trusqo

Built for AML compliance teams

<3s

Seconds, not days

Automated checks in under 3 seconds. Your team reviews edge cases, not every document.

14:30:00 Request submitted API

14:30:01 Document extracted System

14:30:02 Verdict: approved System

14:30:02 PDF report generated System

Audit-ready records

Every verification logged with extracted data, match scores, and decision reasoning. PDF reports for your compliance files.

Latin 中文 العربية Кириллица हिन्दी 日本語 ไทย Ελληνικά עברית 한국어 ქართული తెలుగు

Global coverage

Documents in any script processed natively. Automatic transliteration keeps your records in one alphabet regardless of the original language.

Utility bills

Bank statements

Gov. letters

Issue date 90 days

Configurable rules

Match thresholds, document age limits, and accepted types per your risk appetite. Adjust per request as regulations change.

POST /api/verify
Content-Type: multipart

→ 202 Accepted
→ { "requestId": "a1b2…" }

Simple integration

A single REST endpoint. Send the document, get a structured result with evidence.

EU-hosted, GDPR-native

All data processed and stored in the EU. Documents deleted automatically after retention.

Risk-based approach

Standard and enhanced
due diligence

AML frameworks require a risk-based approach. Trusqo supports both standard CDD and enhanced due diligence, configurable per request.

Standard CDD Single document check with configurable match thresholds.

Enhanced due diligence Tighter thresholds, stricter document age, restricted types for high-risk customers.

Ongoing monitoring Re-verify addresses periodically through the same API.

Accepted document types

Utility bill Bank statement Government letter Medical / Pharmacy bill Post office letter Life insurance

Document date constraint

Issued within 5

days months years

Match rules

Name 90 %

Address 70 %

Postcode 80 %

Beyond extraction

Document intelligence built in

Trusqo doesn't just read the text. Every document is analysed for signs of tampering, checked against its metadata, and classified by type before a verdict is returned.

Fraud signal detection File creation dates, modification history, and document structure checked for signs of tampering.

Document classification Automatically classified as utility bill, bank statement, government letter, or other type.

Revision history Multiple PDF revisions or mismatched timestamps are flagged as suspicious.

No signs of tampering detected

Format PDF

File size 102.8 KB

Pages 3

Created 2026-04-16T12:33:17

Modified 2026-04-16T12:33:17

Embedded text Yes

Digitally signed No

Revisions 1

Fingerprint 0234ca239f1733f293505de7e40b1f29

FAQ

Common questions

Is proof of address required for AML compliance?

Yes. All major AML frameworks, including the EU AMLDs and AMLR, US BSA/CIP, UK FCA guidance, and equivalents in Singapore, Australia, and Canada require customer due diligence that includes verifying residential address.

What documents are accepted for AML address verification?

Utility bills, bank statements, government letters, insurance documents, medical/pharmacy bills, post office letters, life insurance documents, and identity documents. Documents must typically be issued within the last 3 months.

How does Trusqo help with AML audits?

Every verification produces a detailed record with extracted data, match scores, and decision reasoning. Records are available via API and as downloadable PDF reports.

Can Trusqo handle enhanced due diligence?

Yes. Configure stricter match thresholds, shorter document age limits, and specific document type requirements on a per-request basis. Apply enhanced due diligence to higher-risk customers while using standard settings for lower-risk onboarding.

Does Trusqo support non-Latin scripts?

Yes. Trusqo processes documents in 50+ languages including Arabic, Cyrillic, Chinese, Japanese, Korean, Thai, Hebrew, and Devanagari. Non-Latin text is automatically transliterated to Latin characters for matching.