Proof of Address Verification

Introduction

Proof of Address is a foundational component that is critical in establishing the legitimacy of an applicant's residential information. A robust POA verification not only enhances compliance but also adds an additional layer of security by confirming that the applicant is who and where they claim to be. This guide serves as a comprehensive resource for understanding the types of documents we support and the extra checks we perform for POA verification.

Information Extraction

At IDWise, our cutting-edge technology ensures seamless extraction of key data points for Proof of Address (POA) documents. Below are the primary data attributes that are automatically captured:

1. Full Name: IDWise extracts the full name present on the POA document. In cases where multiple names are present, the technology is capable of identifying and capturing all listed names.

2. Issue Date: The issue date is another crucial data point that is captured. This information is essential for determining the validity of the document.

3. Address: Residence address. To consider the address valid, it must include at least the city or street and the country.

4. Additional Data Fields: These are domain-specific fields that vary according to the type of document. For example, in the case of insurance documents, the Insurance Policy Number would be extracted.

Address Parsing

The extracted address is automatically broken down into granular components for easier validation and comparison. Below are the supported address elements:

Transliteration of Non-Latin Text

If the name or address fields appear in non-Latin scripts (e.g., Arabic, Cyrillic, Urdu, Chinese, etc.), IDWise automatically applies its Transliteration Engine to convert the text into standardized Latin characters.

Both versions are returned:

• Latin fields → Full Name, Adress
• Native fields → Full Name Native, Address Native

This ensures full multilingual compatibility for AML screening, address matching, and compliance checks.

Checks Performed on Proof of Address (POA)

When verifying the Proof of Address (POA), IDWise conducts several checks to ensure the accuracy and reliability of the address information provided. These checks are designed to prevent fraud, confirm identity, and comply with regulatory requirements. Below are the key checks we perform:

1. Cross-Matching POA with POI

This check involves comparing the Full Name(s) on the Proof of Address with the Full Name extracted from the Proof of Identity (POI) document. The goal is to ensure consistency and accuracy across different documents.

2. Cross-Matching POA with Applicant Details

This check validates that the personal details provided at the start of the journey Applicant Details match those extracted from the Proof of Address (POA) document. It ensures the POA belongs to the same applicant and not to another individual.

Configuration

3. Outdated POA Check

This rule ensures that a Proof of Address (POA) document is current and valid by verifying whether it is outdated or expired.

4. Location Checks

This check compares the geolocation of the IP address at the time of POA submission with the geolocation of the extracted address from the POA. The aim is to validate the consistency between the applicant's physical location and their digital submission.

5. Mandatory Information Check

This check ensures that all critical information is extracted from the POA. The mandatory fields include Full Name, Issue Date, Address. If any of the these mandatory information is missing, this check will be flagged.

Supported Document Types

IDWise's POA verification service is designed to accommodate a wide range of document domains, each with its specific subtypes. Below are the main types of documents supported along with their corresponding subtypes: