Crime Records

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Crime records screening checks customers against criminal databases from multiple jurisdictions to identify individuals with criminal histories that may pose financial or reputational risks. This use case addresses managing fragmented data sources across jurisdictions, reducing false positives through enhanced entity resolution, handling privacy and legal restrictions, interpreting crime relevance to financial risk, and maintaining continuous monitoring as records are updated or expunged.

The Challenge

Organizations face numerous challenges when screening crime records:

• Data source fragmentation — Criminal records exist across multiple jurisdictions, agencies, and databases
• Privacy and legal restrictions — Varying laws govern access to and use of criminal record information
• Name matching complexity — False positives from common names, aliases, and name variations
• Data quality issues — Incomplete, outdated, or inaccurate records in source databases
• Cross-border complexity — Criminal records from foreign jurisdictions may be difficult to access or verify
• Regulatory requirements — Different jurisdictions have varying requirements for when and how to use criminal records
• Real-time updates — Criminal records change as new convictions occur or records are expunged
• Contextual interpretation — Understanding the relevance of specific crimes to financial risk

Traditional screening approaches rely on periodic batch checks that may miss recent convictions or fail to provide sufficient context.

Why EKG is Required

Enterprise Knowledge Graphs enable sophisticated crime record management:

• Multi-source integration — Connect crime records from multiple jurisdictions and databases
• Enhanced entity resolution — Use relationship context to disambiguate individuals with similar names
• Temporal tracking — Maintain historical crime records and track changes over time
• Relationship analysis — Identify connections between customers and known criminals
• Contextual risk assessment — Weight crime records based on type, recency, and relevance to financial services
• Continuous monitoring — Automatically update customer profiles when new crime records are discovered
• Privacy-preserving linking — Connect crime records while maintaining appropriate data access controls

Business Value

• Risk mitigation — Identify high-risk customers with criminal histories before onboarding
• Regulatory compliance — Meet due diligence requirements for screening customers against crime databases
• Fraud prevention — Detect customers who may pose fraud or money laundering risks
• Reputational protection — Avoid association with individuals involved in serious crimes
• Enhanced decision-making — Make informed risk decisions based on comprehensive crime record data
• Operational efficiency — Automate crime record screening and reduce manual review effort