Customer Due Diligence and ‘selfie’ photo identification

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HM Revenue and CustomsSpacer Graphic

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Dear customer,

HM Revenue and Customs (HMRC) are aware that some businesses are asking their customers to email a ‘selfie’ photograph as proof of their identity, with the customer holding a copy of their official identification next to their face in the photo.

We want to highlight that if you’re using this technique to verify someone’s identity, you’re not meeting the requirements of the Money Laundering Regulations (MLR’s) and so you could be charged a penalty. This is because it isn’t possible to know if the identification is genuine or not - just seeing a photo of the identification won’t prove that it is.

Checking physical documents is part of good Customer Due Diligence (CDD), and should be carried out by all supervised businesses. You can find out more details by reading our guidance.

This is one of many things we check as part of our compliance programme so you must make sure your CDD processes are in line with the requirements of the money laundering regulations.

 

Yours sincerely,

Andrew Henderson
Customer Engagement Team
HMRC Anti Money Laundering Supervision