This article explains AML checks with a partial address match within Thirdfort

A partial address match on an AML check usually means the name on the application is close to, but not exactly the same as, the information held on the electoral roll. This can happen when a middle initial, middle name, spelling variation, or other small difference appears between the two records.

It can also mean Experian found fewer than two matching sources, or matches insufficiently strong to verify the address. This does not automatically indicate high risk; accounts may use a previous address, a partner’s name, or weak matches.

What does a partial match mean?

A partial match does not automatically indicate fraud, suspicious activity, or a high-risk applicant. It means that the available information has not provided sufficient evidence for full verification against the data sources used by the verification provider, such as Experian.

Why a partial address match happens

The check compares applicant details against the electoral roll. If the names do not match exactly, the result may be shown as partial rather than a full match. 

This may occur because of differences in the applicant’s name, including middle names or initials, variations in spelling, incomplete address details, a recent change of address, or insufficient matching information across the available data sources. 

For example, if the application lists Tom Andrew Cooper and the electoral roll lists Tom A Cooper, the AML check may return a partial match.

What this means

A partial match does not automatically mean there is a problem. It simply indicates that the information provided is similar to, but not identical with, the electoral roll record. Your internal compliance process may determine whether the result can be accepted or whether further verification is needed.

How to resolve a partial address match

To resolve a partial address match, you may need to provide additional proof of address or review the result against your internal compliance policies. In some cases, confirming the applicants full legal name and address details may also help clarify the discrepancy.

Common next steps

• Check whether the applicants name includes a middle name, middle initial, or other variation.
• Confirm that the address details entered on the application are complete and accurate.
• Request additional proof of address if required by your process.
• Apply your organisations compliance policy to determine whether the partial match is acceptable.