Verify a customer's identity at the time of transaction, apply a stricter method when the transaction is high risk, and keep verified details current after onboarding.
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What this covers
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Japanese law ties verification to the transaction, raises the standard when the transaction is high risk, and requires verified information to be kept up to date. Name data is also moving: since 26 May 2025 the family register records a katakana reading, so records captured before then may carry a reading that differs from the one now registered. A verification process for Japan has to handle all three, not only the first check.
APTCP verification, record and STR dutiesArticle 4 of the Act on Prevention of Transfer of Criminal Proceeds sets out verification at the time of transaction, including the identity of the person actually conducting it on the customer's behalf. Each check is recorded against the transaction it supports.
Where identity theft or falsified information is suspected, or the transaction is otherwise high risk, verification must use a more stringent method than usual. Workflows can require additional documents before the case can close.
Match a live selfie to the photo on the verified document, with liveness detection that confirms a real person is present rather than a photograph, a recording or a generated face.
Article 11 requires verified information to be kept up to date. Re-verification and periodic review are triggered from the same record, rather than rebuilt from scratch.
The verified identity feeds straight into PEP and sanctions screening, so identity and risk are assessed in one record.
ISO/IEC 27001:2022Information security management, independently audited.
ISO/IEC 27701:2019Privacy information management, extending ISO 27001.
GDPRPersonal data handled to EU standards, wherever you operate.
DORAOperational resilience for EU financial entities and their vendors.The Act names three categories: transactions where identity theft or falsified information is suspected, transactions with a customer in a designated country (Iran and North Korea are named), and transactions with a foreign PEP. These require a more stringent verification method than usual.
Seven years under the Act on Prevention of Transfer of Criminal Proceeds, with the Foreign Exchange and Foreign Trade Act carrying its own seven-year retention rule for the firms it covers.
MemberCheck verifies government-issued passports, driving licences and national identity cards. Coverage varies by country and document type, so talk to our team about the Japanese documents your customers present and we will confirm what is supported for your onboarding flow.
The product is the same. This page covers how it applies in Japan: verification at the time of transaction, the stricter method for high-risk transactions, and keeping details current. The global page describes the product for every market.
A short walkthrough of screening, verification and ongoing monitoring in one platform, set to the thresholds and jurisdictions your programme actually uses.
