Clear KYC

Clear KYC uses Thomson Reuters CLEAR to search for an individual, evaluate person-level risk indicators, and retrieve a detailed Risk Inform report. Use it to support identity and risk review for a business owner or other individual associated with a deal. The Clear KYC block is available for individual entities in the KYC category of Workflow Builder and Data Orchestration.

Available services

The Clear KYC block contains three related services.

Service	Required data	What it does	Dependency
Clear Person Search	First and last name	Searches CLEAR for a person using available identity information.	None.
Clear Risk Inform Person Search	First name, last name, city, and state for a US address	Returns risk scores and indicators for the matched person.	Requires a CLEAR person entity ID. Lendflow runs ID Confirm Person Search automatically when the ID is unavailable.
Clear Risk Inform Person Report	Group ID from a completed Risk Inform Person Search	Retrieves the detailed Risk Inform result and report PDF.	Requires a completed Risk Inform Person Search.

The effective Risk Inform sequence is:

CLEAR ID Confirm Person Search identifies the person.
CLEAR Risk Inform Person Search evaluates the matched person.
CLEAR Risk Inform Person Report retrieves the detailed report when configured.

See Clear Individual Match for the standalone ID Confirm and match-score service.

Requirements

Clear uses the primary business owner’s personal information and address stored on the deal. Requirements differ by service.

Clear Person Search

Application field	Requirement	Notes
First name	Required	Uses the primary owner’s first name.
Last name	Required	Uses the primary owner’s last name.
City	Optional	Uses the primary owner’s city when available.
State	Optional	Must be a valid state when present.
Street address	Optional	More complete identity information can improve matching.
ZIP code	Optional	Must be valid for the primary owner’s address country when present.
Date of birth	Optional	Used to strengthen the person match.
SSN or ITIN	Optional	Used to strengthen the person match.
Telephone	Optional	Used to strengthen the person match.
Country	Optional	Determines address validation and whether a state or province is applicable.

Email is not used by these Clear KYC requests.

Clear Risk Inform Person Search

Application field	Requirement	Notes
First name	Required	Uses the primary owner’s first name.
Last name	Required	Uses the primary owner’s last name.
City	Required	Required by the ID Confirm step used to identify the person.
State	Conditional	Required for a US address and must be a valid state.
Street address	Optional	More complete identity information can improve matching.
ZIP code	Optional	Must be valid for the primary owner’s address country when present.
Date of birth	Optional	Used to strengthen the person match.
SSN or ITIN	Optional	Used to strengthen the person match.
Telephone	Optional	Used to strengthen the person match.
Country	Optional	Determines address validation and whether a state or province is applicable.
CLEAR person entity ID	Conditional	Required to run Risk Inform Person Search. When it is unavailable, Lendflow automatically runs ID Confirm Person Search using the application fields above.

Clear Risk Inform Person Report

Application field	Requirement	Notes
Completed Risk Inform Person Search result	Required	The report uses the group ID from a completed Risk Inform Person Search.

Configure Clear KYC in Data Orchestration

In the Lendflow Dashboard, open Builders > Data Orchestration.
Create or edit a template.
Add Clear KYC from the KYC service category.
Select the Clear services the template should run.
Select the result attributes that conditions should evaluate.
Connect the block’s outcomes to the next blocks in the template.
Save and publish the template.

When the template needs a Risk Inform Report, configure Risk Inform Person Search before Risk Inform Person Report. Lendflow can obtain the required CLEAR person entity ID automatically, but the deal must contain the identity fields required for ID Confirm. See Data Orchestration for the complete template-building workflow.

Run Clear KYC through the API

Data services run through a published Data Orchestration template. Your integration needs:

An integration token with permission to access the application and run Data Orchestration.
The application ID.
A published template that contains the Clear KYC block.
The template ID.
The applicable workflow stage_id when the template is assigned to a specific stage.

Call Execute Data Orchestration for the application.
Include template_id and application_id in the request. Include stage_id when applicable.
Confirm that the response contains data.executed: true.
Use List Data Orchestration Logs and Get Data Orchestration Log to monitor the asynchronous run.
Retrieve the application’s enrichment data after the service finishes to review the provider response.

An accepted execution response means the run was scheduled. It does not mean Clear has finished processing.

What the service returns

Response area	Meaning
`clear.person_search`	Base CLEAR person-search response.
`clear.clear_id_confirm_person`	Person-match response used to obtain the CLEAR entity ID.
`clear.clear_risk_inform_person_search`	Risk Inform search result, including total and section scores and risk-flag hits.
`clear.clear_risk_inform_person_report`	Detailed Risk Inform report with `RiskInformScore` and `RiskInformSummary` sections.
`clear.kyc_document_retrieval`	Documents retrieved as part of the ID Confirm flow when available.

A representative response has this shape:

{
  "clear": {
    "clear_risk_inform_person_search": {
      "RiskInformPersonSearchResult": {
        "PersonEntity": {
          "TotalScore": "82.00",
          "Sections": {
            "Section": [
              {
                "SectionName": "Synthetic Identity",
                "SectionScore": "10.00",
                "SectionDetails": {}
              }
            ]
          }
        }
      }
    },
    "clear_risk_inform_person_report": {
      "SectionResults": [
        {
          "SectionName": "RiskInformScore",
          "SectionStatus": "Complete",
          "SectionDetails": {}
        },
        {
          "SectionName": "RiskInformSummary",
          "SectionStatus": "Complete",
          "SectionDetails": {}
        }
      ]
    }
  }
}

Response attributes

Attribute	Type	Meaning
`clear`	Object	Contains available CLEAR person-search, ID Confirm, Risk Inform, and document-retrieval results.
`clear_risk_inform_person_search`	Object	Contains the Risk Inform Person Search response.
`RiskInformPersonSearchResult`	Object	Root of the Risk Inform search result.
`PersonEntity`	Object	Matched person and the associated score sections.
`PersonEntity.TotalScore`	String or number	Overall score returned for the matched person.
`PersonEntity.Sections.Section`	Array	Risk Inform sections returned for the person.
`SectionName`	String	Name of a result area, such as Synthetic Identity, Single Risk Indicators, Custom, News, or Real-Time Incarceration Records.
`SectionScore`	String or number	Provider score for the named section.
`SectionDetails`	Object	Detailed records and flags for the section. Its contents depend on `SectionName`.
`RiskFlagName`	String	Name of a specific risk indicator.
`RiskFlagHitIndicator`	String	`"Yes"` when the flag was identified and `"No"` when it was not.
`clear_risk_inform_person_report`	Object	Contains the detailed Risk Inform Person Report response.
`SectionResults`	Array	Report sections returned by CLEAR.
`SectionStatus`	String	Processing status for the report section.
`RiskInformScore`	Report section	Contains the detailed score record and component sections.
`RiskInformSummary`	Report section	Contains the report’s summarized scores and flags.

A score is a provider result, not a pass or fail by itself. Apply your organization’s review criteria. A completed request can also return no usable match, so review the provider data and service status together.

FAQ

Why did Clear Risk Inform Person Search not run?

Confirm that the primary owner has a first name, last name, city, and a valid state for a US address. Lendflow uses that information to run ID Confirm Person Search and obtain the CLEAR entity ID required by Risk Inform.

Why is the Risk Inform Person Report unavailable?

The report requires a completed Risk Inform Person Search and its group ID. Run the search before the report.

What does RiskFlagHitIndicator mean?

"Yes" means CLEAR identified the named risk flag, while "No" means it did not. A flag does not independently determine whether the application should pass or fail.

Does an accepted API response mean Clear has finished?

No. data.executed: true means Data Orchestration was scheduled. Monitor the orchestration log to determine when the service and template finish.

Why is an older Clear result still visible?

The Dashboard can preserve the most recent successful response when a later request fails. Review the service status and timestamp to identify the latest attempt.

​Clear KYC

​Available services

​Requirements

​Clear Person Search

​Clear Risk Inform Person Search

​Clear Risk Inform Person Report

​Configure Clear KYC in Data Orchestration

​Run Clear KYC through the API

​What the service returns

​Response attributes

​FAQ