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AML & KYC

Compliant Identification and Anti-Money Laundering

In the field of precious metals and diamond trading, particularly strict compliance requirements apply. The Hartmann & Benz Group subjects every business partner and customer to a thorough review to fully meet the legal framework.

The regulatory requirements in the precious metals and diamond sector demand careful verification of all business relationships. The Hartmann & Benz Group implements these requirements consistently and in a standardized manner.

AML and KYC Processes of Hartmann und Benz Group
Identity and Document Verification

Identity and Document Verification

Full responsibility for all identity, document, and compliance checks lies centrally with the Hartmann & Benz Group.

For technical implementation, the specialized verification provider Veriff is used, which provides a multi-step and internationally recognized verification process for reliable identity confirmation.

Verification of Submitted Documents

The document verification process established by the Hartmann & Benz Group includes the following steps:

  • Cross-referencing all identification documents against a database covering over 11,500 official document types from more than 230 countries and territories
  • Validation of document authenticity
  • Detection of both physical and digital forgery indicators
  • Machine-based data extraction and cross-verification of personal information
Document Verification – 11,500+ Documents, 230+ Countries
Identity Confirmation and Biometrics

Biometric Identity Verification

To unequivocally establish the identity and physical presence of users, the Hartmann & Benz Group employs the following biometric methods:

  • Facial matching — the captured selfie is automatically compared with the photo on the identification document
  • Passive liveness detection — operates in the background without requiring active participation from the user

Protection Against Fraud and Financial Crime

The Hartmann & Benz Group relies on a multi-layered security concept based on advanced technologies, encompassing the following measures:

  • Verification against official databases and registries, where accessible
  • Anti-money laundering screening including PEP and sanctions databases
  • Individual risk assessment based on automated evaluation models
  • Behavioral analysis across multiple sessions to detect suspicious patterns
Fraud Prevention – Multi-Layered Security and Risk Model
Security and Compliance Standards

International Security Certifications

All verification procedures employed by the Hartmann & Benz Group meet recognized international standards and compliance requirements, including:

  • Certification according to ISO/IEC 27001:2022 for information security management
  • Proof of SOC 2 Type II compliance
  • Comprehensive compliance with GDPR regulations
  • Data storage with AES-256 encryption standard
  • Secure data transmission via TLS v1.2+ protocol

Central Compliance Responsibility

All identity, KYC, and AML checks are conducted exclusively by the Hartmann & Benz Group. These centralized verification mechanisms protect partners, end customers, and the entire business network and comply with applicable international standards.

Scope of Review: The Hartmann & Benz Group is responsible for the complete verification of the following groups:

  • B2C customers
  • B2B business partners and sales agents

Important: Partners are not authorized to conduct independent KYC or AML checks. The entire verification process is centrally managed by the Hartmann & Benz Group.

Customer Review and Compliance – B2C, B2B, Agents
Review Processes and Technologies Used

Review Process Workflow

The review procedures implemented by the Hartmann & Benz Group cover the following areas:

  • Establishment and confirmation of identity as well as document verification
  • Cross-checking against international sanctions and PEP lists
  • Anti-money laundering analysis and individual risk assessment
  • Continuous monitoring of existing business relationships
  • Adverse media screening (review of negative media coverage)

Technology Foundation

To conduct these reviews, the Hartmann & Benz Group relies on established and globally recognized compliance platforms:

  • Veriff — responsible for identity verification and document checks
  • ComplyAdvantage — responsible for AML analyses, sanctions, PEP, and risk reviews

Traceability for All Partners

The structured and centralized approach ensures that:

  • every customer undergoes a standardized review process
  • all legal and regulatory requirements are met
  • our partners are freed from all liability and compliance risks

All connected partners can trust that customer verification is conducted professionally, documented, and in accordance with applicable regulations by the Hartmann & Benz Group.

Transparency for Partners – Professional Customer Reviews
The Hartmann und Benz Group – For Security and Trust at All Levels

The Hartmann & Benz Group — Your Reliable Partner for Compliant Business Processes.

The central management of all AML and KYC procedures by the Hartmann & Benz Group enables our partners to focus entirely on building their business.

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