The Netheos Trust and Sign solution automatically checks the bank statements of a natural or legal person to determine whether they have been falsified.
After validating the quality of the image of the document (is it usable?), Trust & Sign verifies that it is indeed a RIB (is it the right document?). In order to go further in the conformity control, it is possible to configure a white or black list of keywords (“curatorship”, etc.). This is to filter the RIBs you wish to accept. The bank account domiciliation can also be restricted to a list of authorized countries and/or BICs. Finally, the Netheos solution ensures that the data contained in the document is consistent with the reference information previously entered in the subscription form.
Trust & Sign checks that the IBAN format is correct and consistent with the BIC. We also check that the IBAN has not been found from a public website, by performing an automatic search on search engines.
SEPAmail DIAMOND checks
Trust & Sign queries SEPAmail DIAMOND to verify the existence of the bank account with the issuing bank. The IBAN, automatically extracted from the RIB, is checked according to the customer’s personal data (name, first name, date of birth). This makes it possible to verify that the bank account exists and that the user is its owner. In the case of a legal entity, the SIREN is also checked.
All of these controls can be configured in the Trust and Sign interface. You can choose which checks you want to perform, make them mandatory, optional or blocking. The automatic verification of the RIB allows you to detect all attempts at fraud and to obtain reliable, quickly complete and compliant customer files.