KYC Requirements in the UK
UK organizations need to verify customers securely, manage identity fraud, and support risk-based Know Your Customer (KYC) and anti-money laundering (AML) processes without creating unnecessary onboarding friction. The UK regulatory landscape continues to evolve around digital identity, customer due diligence, enhanced due diligence (EDD), and ongoing monitoring requirements.
Entrust Identity Verification solutions help businesses navigate UK KYC and AML obligations, deliver trusted digital onboarding experiences, strengthen fraud prevention, and accelerate customer acquisition through a single end-to-end platform.
솔루션 주요 특징
Support UK KYC and AML processes
Build risk-based identity verification journeys with document verification, biometrics, trusted data checks, and fraud detection to support customer due diligence (CDD) requirements.
Detect sophisticated fraud without adding unnecessary friction
Combine identity verification, liveness detection, device intelligence, and fraud signals to help identify suspicious activity while enabling legitimate customers to onboard quickly.
Strengthen KYC with both compliance and fraud prevention
Modern digital identity verification helps organizations satisfy regulatory obligations while reducing onboarding friction, account fraud, and financial crime risk.
Entrust가 비즈니스에 어떻게 도움이 됩니까?
Navigate UK KYC and AML requirements
Build digital onboarding journeys that support FCA rules and guidance, Money Laundering Regulations (MLRs), customer due diligence (CDD), and risk-based identity verification requirements.
Improve customer onboarding experiences
Combine document, biometric, and data verification in streamlined journeys that help legitimate customers seamlessly, yet securely, prove their identity. Entrust offers global document support for verification from over 195 countries.
Detect sophisticated identity fraud and account misuse
Combine biometric verification, liveness detection, device intelligence, and fraud signals to identify impersonation attempts, synthetic identities, and other emerging threats.
Streamline identity verification operations
Automate identity and compliance checks through configurable workflows that help reduce manual reviews, improve consistency, and scale customer onboarding.
Support trusted digital identity verification
Leverage identity verification solutions certified against the UK Digital Verification Services Trust Framework (DVSTF) to help establish trust in remote customer onboarding journeys.
Deliver ongoing protection
KYC is not a one-time event. UK-regulated organizations must conduct ongoing monitoring to ensure customer information remains accurate and to identify changes in risk profiles, unusual activity, or potential financial crime indicators.
How Can Businesses Verify Their UK Digital Identity?
UK organizations are required to establish and verify a customer's identity as part of their customer due diligence obligations. Guidance from the Financial Conduct Authority (FCA) and Joint Money Laundering Steering Group (JMLSG) supports a risk-based approach, allowing firms to select the identity verification methods that best meet their compliance and risk management needs.
Today, many organizations leverage digital identity verification solutions that combine government-issued ID verification, biometric authentication, trusted data sources, and fraud detection capabilities. These approaches help organizations verify customers remotely, reduce onboarding friction, and build confidence in the integrity of their KYC processes.
How Can Certified Digital Identity Support UK AML Compliance?
In February 2026, UK government guidance clarified how certified digital verification services can be used to support identity verification requirements under the Money Laundering Regulations (MLRs). Organizations can leverage services certified under the UK Digital Verification Services Trust Framework as part of their Customer Due Diligence (CDD) processes, helping create trusted digital onboarding journeys while supporting AML requirements. Organizations must still apply a risk-based approach and meet their broader AML obligations, but the guidance provides greater certainty around the use of digital identity verification in regulated industries.
How Can Entrust Help Organizations Meet UK KYC and AML Requirements?
Organizations across the UK must balance customer experience, fraud prevention, and regulatory obligations throughout the customer lifecycle. Entrust helps organizations support KYC and AML requirements through identity verification, biometric verification, fraud detection, and workflow orchestration capabilities designed for digital onboarding.
Our solutions help organizations verify identities remotely, support risk-based customer due diligence processes, reduce manual reviews, and strengthen defenses against identity fraud. For applicable use cases, Entrust also provides certified digital identity-verification services under the UK Digital Verification Services Trust Framework (DVSTF), helping create more secure and trusted onboarding experiences. Customers remain responsible for determining which checks are appropriate and for meeting their wider KYC, AML, and sector-specific obligations.
Entrust 트러스트 프레임워크는 인증을 받았습니까?
예. Entrust Identity Verification is listed on the UK DVS register as a certified Identity Service Provider and Component Service Provider. Its current certified scope includes supported identity-verification profiles for Right to Work, Right to Rent, and DBS-related checks.
Certification applies to the listed service, roles, and certified scope. It does not mean that every Entrust product or every identity-verification use case is certified under the Trust Framework.
영국의 KYC 규정에는 어떤 것이 있습니까?
금융 서비스의 경우 영국은 FATF(국제자금세탁방지기구)를 AML 및 KYC 요건에 대한 '국제 표준 설정자'로 인정합니다. AML 및 KYC 요건을 규정하는 다양한 영국 법률은 주로 다음과 같습니다.
2000 테러리즘법
금융 서비스는 고객 실사(CDD), 거래 모니터링, 보고 의무를 포함하여 테러 자금 조달을 방지하기 위한 조치를 취해야 함을 명령했습니다. 이 법은 2006 테러리즘법, 2002 범죄수익법(개정) 규정 2007 등을 포함하여 여러 차례 개정되었습니다.
2002 범죄수익법(POCA)
이 법안은 영국의 주요 AML 규정입니다. POCA에 따라 은행과 금융 기관은 자금세탁 활동을 감지하기 위해 필요한 조치를 취해야 합니다. 이러한 조치에는 고객 실사(CDD), 거래 모니터링, 의심스러운 활동 보고가 포함됩니다.
2017 자금세탁, 테러자금조달 및 자금이전 규정(MLRs 2017)
영국의 AML 입법의 또 다른 핵심 부분으로 EU의 4AMLD에 명시된 의무를, 그리고 이후 2019년 자금세탁 및 테러자금조달(개정) 규정을 통한 5AMLD로 전환합니다. 또한, 회사가 서면으로 AML 및 CFT 위험 평가를 시행해야 한다는 요건도 도입했습니다.
2017년 MLR은 2022년에 개정되어 영국에서 운영되는 비즈니스가 가상 자산에 대한 국제 AML 표준을 준수하도록 돕고 확산 자금 조달에 대한 위험 평가를 수행해야 하는 요건을 검사하는 데 중점을 두었습니다.
영국 정부도 2022년 6월에 AML에 대한 미래 지향적 검토를 발표하면서, 현재 제도가 전반적으로 목적에 적합하며 당장은 대대적인 변경이 필요하지 않다는 결론을 내렸습니다.
프라이버시 및 보안을 중심으로 구축된 Entrust
UK Digital Verification Services Trust Framework
Identity Service Provider
Component Service Provider
Supported supplementary-code scope: Right to Work, Right to Rent and DBS-related identity verification
관련 리소스
신원의 변화: 유럽의 새로운 규제 시대에 대비
최신 eIDAS 2.0, ETSI v2, EUDI 지갑 및 자금세탁방지(AMLR)의 변경 사항이 금융기관에 미치는 영향과 2027년 마감일 이전에 규정을 준수하고 사기 방지 기능을 갖춘 신원 확인 전략을 구축하는 방법을 알아보십시오.
신원의 변화: 유럽의 새로운 규제 시대에 대비
최신 eIDAS 2.0, ETSI v2, EUDI 지갑 및 자금세탁방지(AMLR)의 변경 사항이 금융기관에 미치는 영향과 2027년 마감일 이전에 규정을 준수하고 사기 방지 기능을 갖춘 신원 확인 전략을 구축하는 방법을 알아보십시오.
Identity Verification (IDV) demo
See how to design drag-and-drop verification workflows and validate identities using biometrics, documents, and trusted data sources.
ID 보안 가이드
How to prevent fraud, reduce the risk of ATO, and secure the entire identity lifecycle. Protect your organization’s digital future while balancing security requirements and customer experience.
FAQ
Who regulates KYC in the UK?
UK KYC and anti-money laundering (AML) requirements in the UK arise primarily from the Money Laundering Regulations and related sector requirements. Supervision varies by industry and can involve bodies including the Financial Conduct Authority (FCA), HM Revenue & Customs (HMRC), and certain professional supervisory bodies. Firms must implement customer due diligence and risk-based controls to comply with these regulations.
Read the Onboarding in Europe’s New Regulatory Era Playbook.
When is Enhanced Due Diligence (EDD) required in the UK?
UK firms must apply Enhanced Due Diligence (EDD) when a customer or transaction presents a higher risk of money laundering or terrorist financing. This may include relationships involving Politically Exposed Persons (PEPs), customers connected to high-risk jurisdictions, unusually large or complex transactions, suspicious activity indicators, or other high-risk scenarios identified through a firm's risk assessment process.
How long must UK firms retain KYC records?
Under the Money Laundering Regulations, firms must generally retain customer due diligence records and supporting documentation for five years after the end of the business relationship or transaction. After that period, records are typically expected to be deleted unless another legal or regulatory requirement permits or requires further retention.
How does the UK Trust Framework relate to KYC and AML?
The UK Trust Framework establishes rules and independent certification for digital verification services. February 2026 government guidance explains how certified services listed on the DVS register can support identity-verification checks under the Money Laundering Regulations. Organizations remain responsible for their wider customer due diligence and AML obligations.
Does Entrust complete Right to Work or Right to Rent checks?
Entrust provides the certified identity-verification component for supported Right to Work and Right to Rent pathways. The employer or landlord remains responsible for completing the overall check and making the final employment or tenancy decision.
Entrust의 신원 전문가가 요건을 검토하고 질문에 답변하며 KYC 솔루션 데모를 설정해 드립니다.
법률 및 규제 요건은 관할 지역, 산업, 제품 및 사용 사례에 따라 다를 수 있으며 시간이 지남에 따라 변경될 수 있습니다. 이 페이지에 제공된 정보는 일반적인 정보 제공 목적으로만 사용되며, 게시일 기준 당사의 이해를 반영합니다. 이는 법률, 규제 또는 준수 관련 조언으로 간주되어서는 안 되며, 그러한 목적으로 의존해서도 안 됩니다. 귀하의 사업에 적용될 수 있는 질문이나 요건에 대해서는 법률, 규정 준수 또는 규제 관련 자문가와 상담하십시오.