Ultimate Beneficial Owner Detection
Demystify multi-layer beneficial ownership
Identify, verify, and monitor the people behind legal entities. FinScan's UBO detection retrieves multiple corporate layers and the ownership percentage at each level, then screens owners and controlling members in the same workflow.
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Featured Insights
The UBO challenge
Ownership can be layered, global, and hard to prove.
Entities can be held through other companies, and ownership information declared at onboarding may require verification depending on jurisdictional requirements and compliance best practices. FinScan’s UBO detection brings all three challenges into one workflow.
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Owners hiding behind holding companies
Tracing ownership through holding companies by hand slows onboarding and leaves room for gaps.
0% ownership can still mean control
Directors and executives can steer an entity without owning it, and they may need screening too.
Declared ownership may need proof
Customer- and vendor-submitted ownership may need checking against an independent source.
How it works
From legal entity to screened beneficial owners
1
Pull each layer of ownership
Pulls multiple corporate layers and the ownership percentage at each level from global databases of private and public companies.
2
Set your threshold
Customize the ownership cutoff to your risk appetite or regulatory requirement so every beneficial owner above it is captured.
3
Find who's in control
Influential owners and executives that exert control are identified as controlling members.
4
Verify and screen
Validate submitted UBO information, screen against watchlists, PEPs, and adverse media, and keep a complete audit history.
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Better data, better screening
Data quality tools standardize and correct records and surface names hidden in other fields, so owners are screened from clean data.
Why FinScan?
Award-winning screening and matching
Sanctions and watchlist screening with field-based matching that shows why each match fired.
Deployment your way
On-premise, SaaS, or hybrid, chosen around your scalability, cost, security, data privacy, and regulatory requirements.
Frequently asked questions
How UBO detection identifies, verifies, and screens the people behind your customer entities.
An ultimate beneficial owner (UBO) is the natural person or persons who ultimately own or control a legal entity. That ownership can be indirect and held through one or more holding companies rather than in the entity itself.
Because the owner, owners, and controllers can sit several layers away from the company you are onboarding, identifying them means tracing the full ownership structure.
UBO detection integrates with global databases of private and public companies. For each legal entity, it retrieves multiple corporate layers and the percentage ownership at each level.
The result is the full list of beneficial owners above your threshold, along with the total ownership accounted for, so your team can see how much of the structure has been identified.
Yes. Ownership thresholds are customizable according to your risk appetite or regional regulatory requirements.
Every beneficial owner whose stake falls above the threshold you set is captured and passed on for screening.
Yes. Ownership percentage alone does not show who runs an entity. Influential owners and executives that exert control, such as a Chairman of the Board or a Chief Accounting Officer, are identified as controlling members.
Controlling members are screened alongside beneficial owners and appear in the same review, each with their own status.
Yes. Customer- or vendor-submitted UBO information can be validated against global UBO databases.
You can also upload beneficial owner certifications to the client profile and compare them against your due diligence results, so documents and findings are kept together.
Beneficial ownership data uploads automatically to FinScan. Entities and their beneficial owners are then screened against watchlists, politically exposed persons (PEPs), and adverse media.
Screening applies at onboarding and beyond, and each owner and controlling member shows a review status, such as screened or in progress.
Yes. FinScan keeps a complete audit history, including remediation, so you can show what was found, who reviewed it, and how it was resolved.
On-premise, SaaS, or hybrid.
The deployment model is selected based on your scalability, cost, security, data privacy, and national and regional regulatory requirements.
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