Knowing the customer is an obligation. Doing it well is our job.

Complify is the trademark of Esquad S.r.l. for anti-money laundering and business information: the file on companies and individuals in Italy and in 44 other countries, beneficial ownership and groups reconstructed worldwide, KYC, customer due diligence and consulting. For those whom anti-money laundering regulation obliges to know their customers, and for those who grant credit.

For all the obliged entities under D.Lgs. 231/2007: banks and financial intermediaries, other financial operators, professionals, other non-financial operators and gambling operators. And for companies that grant credit to their customers.

From official and public sources: the Business Register, filed financial statements, the land registry, the registers of protesti and of pregiudizievoli (prejudicial acts), international sanctions lists. In the document, each item of data carries its source and the date to which it refers.

The platform and the data are hosted in the European Union, and personal data are processed in accordance with the GDPR. Those who work on your data are bound by contract to professional secrecy, the breach of which is punished by article 622 of the Italian Criminal Code. A customer's requests are not seen by any other customer.

No. No annual fee, no volume commitment, no tacit renewal to cancel: you pay for what you use. On the platform the price is shown before you buy, and if the credit is not enough the page says so before you click.

Identification data, financial statements and ratios with the reclassified accounts, forecasts, credit score, shareholding structure, officers with signing powers and beneficial owners, group tree with indirect shares, protesti and pregiudizievoli also on shareholders and officers, anti-money laundering screening, real estate, local units, connections with the database, ESG assessment and the credit risk and anti-money laundering risk assessment with its reasoning.

Next to each officer the file states whether they have the power to sign for the company and in what manner: sole, separate or joint. This is decided from the title of the position recorded in the Business Register and from the law; where those are not enough, from the text of the recorded powers. Three colours: green if power and manner are both verified, yellow if the power exists but the manner does not, red if it cannot be verified. The same outcome appears among the positions held by an individual.

Each file records the subjects it contains: company, shareholders, directors, beneficial owners, group companies, positions and shareholdings of individuals. When you open a new one, next to each name you can see in how many other files it appears and whether it carries adverse findings there, and a section lists the companies and people connected through a subject in common, saying through whom. The files of other companies never say who requested them.

It comes from written, declared rules, and a summary generated with artificial intelligence explains it in your organisation's language. The summary can make the assessment more severe, never more lenient; if the sources are not enough, the document writes “not computable” and says what is missing.

Reads the whole file and writes the credit risk and anti-money laundering risk assessment, with the reasons in your organisation's language. Reads the signing powers that the Register records in free text. Writes the commentary on the forecasts drawn from the financial statements, whose figures remain calculated. The rules remain written and declared: artificial intelligence can make an assessment more severe, never more lenient, and the decision stays with you. In ComplifyADV it analyses customer due diligence files, recognises the patterns of positions with high money laundering risk and flags in advance those heading the same way. In beneficial ownership it helps analysts summarise the chain they have reconstructed. Coming soon: its reading of what the web says about the company and its directors.

Only if you have chosen it. BIAI is the platform's assistant: it answers on your archive, also searches by address, opens reports already bought and searches the Register for subjects not yet there. It can also buy catalogue products on your behalf, but only if the function is activated for your team at your company's request and if you give it a mandate from the panel, with a daily spending threshold; the mandate can be revoked at any time. Before each purchase it shows you what it is about to buy, and it buys only when you confirm. The team's daily limits and the available credit apply, and everything is recorded.

A section of portfolio analysis that lists the subjects in the archive that share the same street in the same municipality, ignoring the street number: registered offices, local units, associated companies and residences of individuals, when the reports bought include them. It helps to recognise domiciliation arrangements, shell companies and networks of businesses in the same building. Municipalities that are namesakes in different provinces remain distinct, and ceased offices do not count.

Yes, in 44 countries besides Italy, with the same document and the same archive: Albania, Armenia, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, Ireland, Japan, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom and United States. Screening on sanctions, PEPs and adverse media covers the whole world.

Yes. We reconstruct the ownership chain of Italian and foreign companies down to the natural persons who own or control them, at three levels of depth with the analysts' notes on the path followed. The analysts reconstruct the chain; artificial intelligence helps them summarise it.

Yes: policies and procedures, second-line controls and an outsourced anti-money laundering function, risk self-assessment, support with customer due diligence and reporting, review and audit, support to Senior Management.

No. Assessment, connections and dates are fixed to the day of the data, and the document says so: the one on which you based your decision can be read again as it was. To keep a customer up to date there is monitoring, which re-reads the information at the frequency you choose.

From the contacts page choose “A trial”: we send you the credentials, you upload up to ten VAT numbers from your portfolio and find them sorted by risk. Free, no credit card and no contract. And nobody will phone you.

Complify is a registered trademark of Esquad S.r.l., which has worked in anti-money laundering compliance and counterparty checks since 2020, with offices in Rende and Milano. The business information activity is carried out within the scope of the prefectural authorisation provided for by art. 134 T.U.L.P.S.