Enhanced Due Diligence (EDD) Investigation Response Documentation

Response Structure - Common Elements

Both individual and business investigations share these top-level fields:

Field	Description	Example Values
`object`	The type of response object	"individual_investigation" or "business_investigation"
`confidence_score`	Confidence level of the assessment (0-100)	85
`status`	Current status of the investigation	"OPEN" or “CLOSED”
`assessment_status`	Overall assessment outcome	"CLEARED" or "ESCALATED"
`processing_state`	State of processing	“QUEUED”, “PROCESSING”, “COMPLETED” or “FAILED”
`approval_state`	Approval status	"AI_CLEARED" or "AI_ESCALATED"
`investigation_id`	Unique identifier for the investigation	UUID string
`organization_id`	ID of the organization conducting the investigation	UUID string

Investigation Summary (Both Individual & Business)

"investigation_summary": {
  "potential_matches_found": [number],
  "total_auto_cleared_matches": [number],
  "total_cleared_matches": [number],
  "total_escalated_matches": [number],
  "reason_for_clearing": [array of explanations],
  "reason_for_escalating": [array of explanations] // if applicable
}

Investigation Match Status (Both Types)

Categorizes matches by risk type, each with a status of "CLEARED" or "ESCALATED":

adverse_media
enforcement
politically_exposed_person
sanction
unclassified
state_owned_enterprise (business only)

Individual-Specific Response Elements

Personal Identity

"personal_identity": {
  "created_at": [timestamp],
  "date_of_birth": [date],
  "first_name": [string],
  "last_name": [string],
  "id": [UUID]
}

Individual Comparison Categories

Each potential match for individuals includes these comparison categories:

Name Matching: Compares the individual's name to the entity's name
Date of Birth Matching: Compares DOB information
Image Matching: Compares visual identification (when available)
Location Matching: Compares geographic information
Politically Exposed Person Matching: Checks PEP status

Individual Example Assessment Summary

"The Enhanced Due Diligence (EDD) investigation is cleared. The age verification confirms that the customer's date of birth, 1970-01-01, does not match the entity's date of birth, 1965, indicating they are not the same person. Although the name verification is escalated due to a match, and the PEP status is also escalated, the cleared age verification takes precedence."

Business-Specific Response Elements

Business Identity

"business_identity": {
  "id": [UUID],
  "investigation_id": [UUID],
  "business_name": [string],
  "business_website": [string],
  "business_registration_number": [string],
  "tax_identification_number": [string],
  "address_line_1": [string],
  "address_line_2": [string],
  "city": [string],
  "state": [string],
  "postal_code": [string],
  "country": [string],
  "nature_of_business": [array of business activities]
}

Business Comparison Categories

Each potential match for businesses includes these comparison categories:

Name Matching: Analyzes business name similarities
Nature of Business Matching: Compares business activities
Location Matching: Analyzes geographic information
Tax Number/Business Registration Matching: Verifies official identification numbers

Business Example Assessment Summary

"The business entity has been escalated for review due to significant similarities with a state-owned enterprise with strong ties to government entities under international sanctions. The business name match (92% similarity) and overlapping business activities in telecommunications infrastructure warrant further investigation into potential regulatory compliance risks."

Potential Matches (Both Types)

Each investigation includes an array of potential matches. Each match contains:

Field	Description
`id`	Unique identifier for the match
`assessment_status`	Overall status (CLEARED or ESCALATED)
`entity_assessment_summary`	Human-readable explanation of the assessment
`entity_details_summary`	Overview of the matched entity
`match_type`	Categories of risk (e.g., "adverse_media", "sanctions")
`name`	Name of the matched entity
`also_known_as`	Alternative names for the entity
`country_details`	Countries associated with the entity
`confidence_score`	Match confidence (0-100)
`comparison`	Detailed analysis of the match (see below)

Comparison Object (Both Individual and Business)

Each comparison includes multiple validation categories (varying by individual/business) with:

summary: Detailed explanation of the analysis
status: Result of the analysis (CLEARED, ESCALATED, or INCOMPLETE)

Assessment Status Definitions

Status	Description
`CLEARED`	No significant risk or concern identified
`ESCALATED`	Requires further human review due to potential risk
`INCOMPLETE`	Insufficient information to make a determination

Match Types (Both Individual and Business)

Type	Description
`adverse_media`	Negative news reports
`enforcements`	Regulatory actions or legal penalties
`politically_exposed_person`	Political figures and associates
`sanction`	Entries on sanctions lists
`soes`	State-owned enterprises (business only)
`unclassified`	Other types of matches

Use Case Examples

Individual Investigation Example

In an individual investigation for a person named "Bashar al-Assad" with DOB January 1, 1970, the system identified 11 potential matches but cleared all of them, primarily due to date of birth mismatches (mostly 1965) and some name format differences, despite similarities with several politically exposed persons.

Business Investigation Example

In a business investigation for ZTE Corporation, the system identified 23 potential matches, with 3 escalated for further review and 20 cleared. The investigation revealed potential connections to entities with adverse media coverage, regulatory enforcement actions, and state-owned enterprises, triggering an "ESCALATED" assessment status requiring human review.