What is UBO discovery?

UBO discovery is the process of identifying the natural persons who ultimately own or control a legal entity, whether through direct shareholding, indirect ownership chains, or control relationships. It is a key regulatory requirement under AML and KYB compliance frameworks.

What is the UBO threshold for identification?

The most common threshold is 25% ownership or control. However, this varies by jurisdiction and regulatory framework. Some regulations require identification of individuals with any significant control, regardless of ownership percentage.

How does ClearDil handle complex multi-layer ownership?

ClearDil uses advanced ownership tracing and a 3M-point clustered graph database to map multi-layer corporate structures. This enables identification of direct and indirect ownership relationships, as well as control relationships that may not be immediately visible.

Is UBO discovery required by law?

Yes. UBO identification is required by law in most regulated jurisdictions including the EU, UK, and US. Regulations under AML directives, FATF guidelines, and national financial crime legislation all mandate that regulated entities identify and verify beneficial owners.

What data sources does ClearDil use for UBO discovery?

ClearDil aggregates data from corporate registries, business databases, regulatory filings, and public records across multiple countries. This multi-source approach enables comprehensive ownership analysis even in jurisdictions with limited public transparency.

What is the difference between UBO discovery and KYC?

KYC verifies the identity of individual customers. UBO discovery identifies and verifies the individuals who own or control corporate entities. Both are required for complete compliance when onboarding businesses.

Can UBO discovery be automated with an API?

Yes. ClearDil provides API-first infrastructure that enables organizations to embed UBO discovery directly into onboarding workflows. This eliminates manual steps and allows real-time ownership verification at scale.

How does UBO discovery support AML compliance?

UBO discovery supports AML compliance by ensuring that beneficial owners are identified and screened against sanctions lists, PEP databases, and adverse media. Ownership transparency prevents bad actors from hiding behind corporate structures to facilitate financial crime.

How secure is UBO data on ClearDil's platform?

ClearDil uses bank-grade encryption, GDPR-compliant data processing, role-based access controls, and ISO 27001-certified infrastructure to ensure that all ownership data is handled securely and responsibly.

Does ClearDil support ongoing ownership monitoring?

Yes. ClearDil supports continuous monitoring of ownership structures, alerting organizations when changes occur that may impact compliance status. This ensures information remains accurate throughout the client relationship lifecycle.

UBO Identification & Verification Software

Cleardil simplifies KYB and KYC due diligence through real-time verification and ongoing monitoring. It's easier for organizations to verify business partners and establish secure business relationships for safe business transactions. Stay compliant across EU and UK regulations! We also help you mitigate risks related to financial crimes such as money laundering and terrorist financing, supporting organizations to mitigate risks through advanced due diligence.

UBO discovery and beneficial ownership verification

Complete Regulatory Adherence

Ensure full compliance with FATF (Financial Action Task Force, the key international standard setter for KYB and KYC regulations, KYC regulations, and AML regulations), 6AMLD, GDPR, AMF, and FCA guidelines, covering every jurisdiction across the EU and UK.

Real-Time Risk Assessment

Run automated screenings against PEP, sanctions lists, adverse media, and verify Ultimate Beneficial Owners (UBOs). You get 99.9% accuracy, while generating detailed customer risk profiles using advanced screening techniques.

Automate Ultimate Beneficial Owner Discovery at Scale

Streamline ultimate beneficial owner discovery with automated data collection and ownership mapping across global registries. Our scalable solution enables bulk analysis, real-time updates, and seamless API integration into your compliance workflows.

Global Company Registries for Accurate UBO Identification

Access official company registries worldwide to obtain reliable and up-to-date ownership data. Our solution consolidates registry information across jurisdictions to ensure accurate ultimate beneficial owner identification. Make confident compliance and risk decisions.

Multi-Layer Ownership Structures Across Jurisdictions

Identify ultimate beneficial owners across complex, multi-layer corporate structures spanning multiple jurisdictions. Our global registry access enables deep ownership tracing to uncover indirect shareholders and hidden control relationships.

360° Business Entity Profiles

Build detailed profiles with verified data: legal entity verification, ownership structure, legal status, business activities, industry classification, business registration details, filings, and beneficial ownership linkages.

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From Input to Insight: Your AML Compliance Workflow

Add a business, verify its identity, and uncover key risk insights to help organizations combat financial crime, all in just a few clicks with ClearDil APIs.

ClearDil UBO Identification — ownership structure and verified shareholders

Know Your Business (KYB)

ClearDil's Know Your Business solution helps compliance teams across the EU and UK map corporate ownership, identify ultimate beneficial owners, and verify shareholders with registry-backed data. Automate KYB checks and UBO identification as part of your business onboarding workflow — without manual registry research or fragmented tools.

From company registration to shareholder screening and ongoing ownership monitoring, ClearDil gives you one platform to meet KYB obligations, assess entity risk, and keep beneficial ownership records audit-ready.

KYB Compliance

Stay aligned with FATF, EU AMLD, UK PSC, and 6AMLD requirements for corporate transparency and beneficial ownership disclosure. Meet regulatory obligations for entity onboarding and prevent money laundering through hidden ownership structures.

ClearDil helps organizations stay compliant as KYB rules evolve — with structured UBO records and audit-ready documentation for every business relationship.

Shareholder Identity Verification

Verify directors, shareholders, and ultimate beneficial owners using official documents, registry data, and live ownership checks backed by advanced entity resolution. Confirm who controls each corporate entity and collect verified shareholder information to support KYB due diligence and mitigate hidden-control risk.

Seamless Integration

Access via SaaS dashboard or REST API. Embed UBO discovery and KYB checks into CRMs, onboarding platforms, and core banking systems — so ownership verification runs automatically when you onboard a new business entity.

Fraud Prevention & Risk Profiling

Screen shareholders and beneficial owners against PEP and sanctions lists, flag adverse media, and apply risk scoring across ownership structures — so high-risk individuals behind corporate entities are surfaced before you approve onboarding.

European & UK Business Entity Verification

Cleardil provides deep, reliable insights into businesses across Europe and the United Kingdom. Our KYB solution ensures you verify who you’re working with accurately and in compliance with local regulations. You can verify corporate customers and conducting a comprehensive KYB check.

Company Registration Validation

Instantly verify company existence, status, incorporation dates, business registration, business activities, and registry data via Companies House, Infogreffe, and other EU registries.

Insolvency & Legal Risk Checks

Detect active or past insolvency proceedings, dissolutions, and legal actions that could affect business credibility and risk scoring.

Director & UBO Identification

Map ownership structures and verify UBOs, identify persons of significant control, and assess financial risk to support anti-money laundering (AML) and risk compliance.

KYB–KYC Linkage

Connect businesses to individuals through director/shareholder data, sole trader verification, and entity relationships. Enhancing due diligence and fraud detection, verify business partners, and support secure business transactions.

Cleardil supports automated KYB procedures and KYB processes, helping you meet KYB requirements for compliance and risk management.

ClearDil UBO identification — organization structure, ownership percentages, and verified shareholders

Why Is Business Identity Verification Essential?

Entity Verification

Instantly verify a company’s legal status, registration, and operational legitimacy across EU and UK registries. It helps you protect the integrity of the financial system through robust business identity verification.

Ultimate Beneficial Owner (UBO) Checks

Identify and verify beneficial ownership structures to ensure full transparency and AML compliance.

Document Authenticity Screening

Detect forged or manipulated documents through advanced AI-driven analysis and pattern recognition.

Financial Health Assessment

Analyze financial statements for consistency, balance, and risk indicators to support trustworthy onboarding decisions.

How Customer Due Diligence Works?

Experience three integrated phases that transform verification process into seamless, compliant onboarding processes.

Step 1: Intelligent Customer Verification - Automated systems instantly verify customer identities and business entities through direct integration with national registries, credit bureaus, and government databases. KYB and KYC checks are performed to ensure thorough verification of both individuals and businesses. Advanced technologies eliminate document collection delays while ensuring accurate customer due diligence. Complete identity verification in under two minutes.

Step 2: Comprehensive Risk Profiling - Machine learning algorithms automatically assess risk levels through Ultimate Beneficial Owners screening, adverse media screening, and sanctions list checks. The system categorizes customers and corporate clients into appropriate customer risk profiles, leveraging KYB and KYC processes to support assessment and compliance. Potential risks are flagged for enhanced due diligence.

Step 3: Effective Ongoing Monitoring - Continuous monitoring systems track customer transactions, business relationship changes, and regulatory updates to maintain compliance throughout the customer lifecycle. Automated alerts notify compliance teams of suspicious activities or regulatory requirement changes. Proactive fraud prevention with real-time compliance protection..

Business onboarding and document collection with ClearDil

What Makes KYB Checks Modern Solutions Different?

Discover unique capabilities that distinguish advanced KYC and KYB platforms from traditional manual processes.

Automated KYB and KYC Checks & Processes – Streamline identity verification and risk assessment with automated KYB and KYC checks and processes, ensuring compliance with evolving KYB and KYC regulations and reducing costs and legal risks.

Perpetual KYC Technology – Continuous verification eliminates periodic review burdens while maintaining real-time regulatory compliance across all customer relationships

AI-Powered Accuracy – Machine learning reduces false positives by 75% while ensuring comprehensive coverage of all potential financial crime indicators

European Regulatory Expertise – Built-in compliance logic for GDPR, AMF, FCA, and jurisdiction-specific requirements ensures complete regulatory adherence

Explore More ClearDil Solutions

Expand your compliance stack with specialized tools tailored for regulated industries and supporting financial companies in meeting compliance needs across Europe and the UK. Payment service providers can also explore our dedicated payment compliance platform.

AML & CTF Compliance

Meet anti-money laundering (AML) and counter-terrorism financing (CTF) obligations with automated screening and real-time alerts.

Identity & Document Verification

Validate government-issued IDs, passports, and driver’s licenses using AI-powered fraud detection and OCR technology.

Biometric Authentication

Add facial recognition, liveness detection, and other biometric checks for enhanced identity assurance.

Crypto AML Monitoring

Screen wallets and transactions against risk indicators for virtual asset service providers (VASPs) and crypto platforms.

Enhanced Due Diligence (EDD)

Conduct in-depth investigations on high-risk individuals and entities to meet stricter regulatory standards.

KYC & KYB Tools

Unified platform for verifying individuals and businesses—ideal for onboarding, vendor screening, and financial crime prevention.

Security by Default. Privacy by Design.

Your data is secure with us. Cleardil is built for compliance-first businesses, with advanced infrastructure and privacy protections that meet the strictest regulatory standards across the EU and UK.

Data Confidentiality

All customer data remains private and encrypted. Team members cannot access files unless explicitly shared.

Secure Deletion

Temporary processing environments and all associated data are automatically deleted post-verification. No traces remain in the system.

EU-Based Infrastructure

Our servers are hosted in ISO 27001–certified data centers within the EU, supporting TLS 1.3, full HTTPS, and GDPR compliance by default.

AI Accuracy at Scale

ClearDil’s AI-driven verification engine is trained on real-world business data across Europe, delivering over 95% precision in real-time entity validation and document screening.

Frequently Asked Questions

Address common concerns about implementing automated KYC and KYB due diligence systems.

How quickly can financial institutions achieve full regulatory compliance?

Most organizations achieve complete KYC and KYB compliance within 30 days of implementation, with immediate improvements in verification process efficiency.

Do automated solutions require extensive technical integration?

Modern platforms integrate seamlessly with existing financial systems through APIs, requiring minimal technical resources while maximizing operational efficiency.

How do these systems handle evolving regulatory requirements?

Advanced solutions automatically update compliance logic to reflect new KYC and KYB regulations. It ensures continuous regulatory adherence and helping institutions stay up to date with the latest KYB and kyc regulations without manual intervention.

What level of accuracy can institutions expect from automated screening?

Leading platforms achieve 99.9% accuracy in customer verification while reducing false positives by up to 80% compared to manual processes.

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UBO Identification & Verification — Map Beneficial Owners at Scale