GBG ID3 Global is an electronic identity verification service integrated into Smartr365. It lets advisers check a client's identity, and screen them for PEPs and sanctions, using the details already held on the case. Each result is saved as a PDF in the client's Document Store.
GBG ID3 Global appears on the Verify Identity screen and in My Credentials only when it is switched on for your firm. If you do not see it, contact our support team.
Setting Up Credentials
Each adviser needs their own GBG ID3 Global credentials before running a check.
Go to Settings > My Credentials in the left-hand navigation bar.
Expand the GBG ID3global panel.
Enter your GBG UserName and Password.
Click Save.
Client Data Required for Verification
The check uses the client's details from the Fact Find. Make sure these are complete before you run it:
Field | Notes |
First Name | From the client record |
Surname | From the client record |
Date of Birth | From the client record |
Current Address | From Address History. Required for the ID, PEP & Sanctions and Sanctions Only checks: a UK address with a street address, town, and a flat number, building number or building name. |
Running a Verification Check
Open the client's case and click Verify Identity on the toolbar at the top of the case.
The Verify Identity screen lists each applicant with the Result of their last ID check, the Date Last Checked and whether Additional Checks Completed are needed. Click Show next to the applicant.
The GBG page lists three types of ID check, each with its own Submit button. Hover over the info icon next to each for more detail:
ID, PEP & Sanctions (Standard and Enhanced Due Diligence): used for UK mortgage customers and higher-risk protection customers.
Sanctions Only (Minimal and Simplified Due Diligence): used for standard protection customers.
PEP & Sanctions (Three Month Screening Refresher): used for customers and gift donors outside the UK, and for refreshing ID older than 90 days.
Click Submit on the row for the check you want to run.
If a check has already been run in the last 24 hours, Smartr365 asks you to confirm before repeating it.
Understanding Results
Each check shows its Category, Result, Guidance and the date it was last checked. The result is one of:
PASS: the ID check was successful and no further action is needed.
COLLECT: collect identity documents from the client.
REFER: a potential PEP or sanctions match, or multiple matches, was found and needs further review.
ERROR: the check could not be completed. Try again or complete a manual ID verification.
For COLLECT, REFER and ERROR results, a Manual ID Verification link appears. Click it, confirm whether the customer's ID has been verified by other means, describe the additional actions you completed and click Save. Then add any identity documents you collected to the Document Store.
PDF Reports
After each check, a PDF of the result is saved automatically to the client's Document Store under Identity Documents, for audit purposes.
How Long a Check Is Valid
ID checks are treated as out of date after 90 days. If a check has not been completed, or is more than 90 days old, the Verify Identity screen shows the warning ID check not completed or is out of date, and a new check should be submitted for the client.
Common Issues
"GBG credentials are required" or "Credentials are invalid": check your username and password in Settings > My Credentials. Contact GBG or your network if you need your credentials reset.
"Client address is outside UK. Please use PEP & Sanctions.": the first two check types need a UK address. Run the PEP & Sanctions check instead.
A result other than PASS: this does not necessarily mean fraud. It may be a data mismatch, so check the client's details are accurate and try again, or complete a manual ID verification.