Use Case

Sanctions, PEPs, and connected clients —
screened on a complete identity

Your watchlist screening is only as accurate as your identity resolution. Tilores unifies every customer record before screening — so you catch real hits, eliminate false positives, and surface connected client networks that fragmented data hides.

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The Problem

Fragmented records break your compliance checks

Without Tilores

A sanctioned individual onboards using a slight name variant. Your compliance stack never connects the records:

✗"Mohammed Al-Rashid" and "M. Al Rashidi" exist as separate records — neither flags

✗Three accounts for the same PEP — one was screened at onboarding, two were not

✗A corporate client's ultimate beneficial owner connects to a sanctioned entity — the link is invisible in siloed systems

✗False positive rate overwhelms analysts — real risks buried in noise

With Tilores

Every check runs against a unified, complete identity — not a single fragmented record:

✓Name variants, typos, and transliterations resolve to one entity before screening

✓All records for a customer are unified — no account slips through unscreened

✓Connected client networks surface automatically — UBOs, family ties, shared addresses

✓Higher-confidence matches mean fewer false positives, less analyst burden

How It Works

Resolve first, then screen

Ingest All Sources

Connect your CRM, onboarding platform, transaction history, and third-party data feeds into a single Tilores instance.

Resolve the Identity

At onboarding or on-demand, Tilores resolves all records linked to this individual into a unified golden record — including name variants and shared attributes.

Surface the Network

Relationships to other entities — family members, shared addresses, corporate structures, connected clients — are mapped automatically.

Pass to Screening

Your sanctions, PEP, and adverse media tools receive a complete, accurate identity. Ongoing monitoring triggers re-screening when the profile changes.

Coverage

Every major KYC requirement, one identity layer

🚫

Sanctions Screening

Screen against OFAC, UN, EU, HMT, and custom watchlists against a complete golden record — not a single name string. Tilores resolves transliterations and name variants before the match, reducing both misses and false positives.

🏛

PEP Identification

Identify politically exposed persons and their associates reliably. Tilores unifies records across name variants and aliases, so PEP matches are based on a complete identity profile rather than a single fragmented data point.

📰

Adverse Media Screening

Adverse media tools are only as good as the entity they search for. Tilores ensures your screening queries reflect the customer's full identity — all known aliases, associated entities, and linked corporate structures.

🔗

EBA Connected Clients

EBA guidelines require institutions to identify clients connected by family, business, or economic ties. Tilores maps these networks automatically — surfacing the relationships that create concentrated exposure before it becomes a regulatory finding.

🔄

Perpetual Monitoring

Compliance doesn't stop at onboarding. As new records arrive, Tilores updates the unified identity in real time — any change that affects a customer's risk profile triggers an immediate alert, not a weekly batch report.

🏢

UBO & Corporate Structures

Trace ultimate beneficial ownership through layers of corporate entities. Tilores links individuals across company registrations, directorships, and shared attributes — surfacing the real person behind complex structures.

EBA Connected Clients Guidelines

Identify client networks your
siloed data can't see

The EBA's connected clients guidelines require financial institutions to identify and assess clients who are connected through family relationships, shared ownership, or common economic dependencies — because these connections create concentrated risk exposure that individual account views miss entirely.

Tilores surfaces these networks by linking entities across all your data sources. A shared registered address, a common director, a family surname — Tilores finds the signal across fragmented records and returns the full relationship graph in a single query.

Read our EBA Connected Clients deep-dive →

Connected client detection — what Tilores surfaces

Shared registered address

3 corporate clients → 1 beneficial owner

Common director / signatory

5 accounts → linked entity network

Matching phone number

2 seemingly unrelated SME customers

Shared beneficial ownership

Holding company → 7 subsidiaries

Family name + overlapping address

Spousal accounts flagged for review

Technical Fit

Built for regulated environments

Latency

<150ms p99 — fast enough for real-time onboarding decisions and transaction-level screening

Data sources

Connect CRM, onboarding platforms, transaction data, third-party bureau feeds, and internal watchlists in one graph

Deployment

Available on AWS Marketplace. On-premise supported for institutions with strict data residency requirements.

Audit trail

Every identity resolution decision is explainable — matched attributes, source records, and confidence scores returned with every result

Compliance

SOC 2 certified. GDPR-compliant architecture. Full audit log for regulatory review.

Integration

GraphQL API. Plug into existing KYC platforms, case management tools, or compliance workflows without replacing them

Example — resolve customer identity before sanctions check

query KYCResolve($name: String!, $dob: String!) {
  search(input: {
    parameters: {
      name: $name
      dateOfBirth: $dob
    }
  }) {
    entities {
      id
      score
      hitScore
      records {
        id
        name
        address
        nationality
        taxId
      }
    }
  }
}

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