PEP Screening, Tiered Risk Classification & RCA Coverage
One Constellation identifies politically exposed persons, their relatives and close associates across every jurisdiction — with tiered risk classification, automated periodic refresh, and PEP definitions aligned to FATF, MAS, FCA and FinCEN.
Identifying PEPs Is Easy. Classifying Them Correctly Is Hard.
Every major AML regime requires enhanced due diligence on politically exposed persons — and on their immediate family members and close associates. The principle is simple: customers with public-function influence carry elevated bribery and corruption risk. The execution is anything but.
PEP definitions vary by regulator. The FATF baseline differs from MAS guidance, which differs from the FCA's risk-based interpretation, which differs from FinCEN's narrower scope. Tier-1 heads of state are obvious; tier-3 municipal officials and the cousin of a former minister are not. And every PEP status decays over time — a former minister remains a PEP for a defined window under most regimes, but how long, and from when?
One Constellation handles PEP screening as a structured, jurisdiction-aware capability. Customers are matched against a curated PEP database with tier-1 through tier-4 classification, RCA linkages mapped to the source PEP, and rule-based status decay applied automatically. Every match is dispositioned with full evidence — and refreshed on the schedule each regulator expects.
PEP Screening Built Around How Regulators Actually Define the Risk
Tiered classification
PEP matches are returned with a defined classification tier — foreign heads of state (tier 1), senior government officials (tier 2), middle-rank officials (tier 3), and state-owned enterprise executives (tier 4) — aligned to your jurisdiction's specific definition.
RCA mapping
Relatives and Close Associates are flagged with the source PEP linkage visible — the customer's wife who is herself an RCA of a foreign senior official surfaces with that exact relationship, not as a generic match.
PEP Screening, Measured
Performance figures from production deployments of One Constellation PEP screening.
End-to-End PEP Capability — Not Just a Match API
PEP screening on One Constellation covers identification, classification, RCA mapping, periodic refresh and EDD workflow triggers — all in a single capability.
Onboarding PEP Check
Every new customer is screened against the PEP database at onboarding, with tier classification and RCA linkage returned in real time.
Explore Onboarding →Periodic Refresh
Customer PEP status is refreshed automatically on the schedule each regulator requires — annually, semi-annually or risk-triggered.
Explore Portal →EDD Auto-Triggering
A confirmed PEP match automatically routes the customer into the appropriate EDD workflow with Source of Funds and Source of Wealth requirements pre-set.
Explore AML/CFT →Everything a Defensible PEP Programme Requires
PEP screening is one of the areas regulators scrutinise most closely — for good reason. Get the tiering wrong, miss an RCA, fail to refresh, and the audit finding writes itself.
Tier 1–4 Classification
Every PEP match is returned with a defined risk tier aligned to your jurisdiction's regulatory definition — not a generic "PEP yes/no" flag.
Relatives & Close Associates
Spouses, children, parents, in-laws and known close business associates of PEPs are mapped to the source PEP with relationship type preserved.
Status Decay Rules
Former PEP status is tracked per regulator's defined window — typically 12 months post-leaving public function, with risk-based extension supported.
Jurisdiction-Aware Definitions
Foreign vs domestic PEP distinction handled automatically, with country-specific definitions applied (e.g. MAS's broader scope vs FinCEN's narrower one).
Match Evidence
Every match returns the source data, public role, jurisdiction and tenure dates — analysts disposition with evidence, not just a name match.
Continuous Re-Screening
Customers re-screened on every database update — newly identified PEPs surface against your existing customer base automatically.
Aligned to the PEP Definitions Each Regulator Actually Uses
PEP definitions and EDD obligations differ materially between regulators. One Constellation supports the specific definition each regime applies to your customer base.
PEP Screening, Wired Into the Customer Lifecycle
PEP status isn't a one-time flag. It's a continuous attribute of the customer record that drives risk scoring, EDD frequency, transaction-monitoring thresholds and periodic review cadence — across every system that touches the customer.
When a PEP match is confirmed, the customer's risk score updates, the EDD workflow auto-initiates with Source of Funds and Source of Wealth requirements, the transaction-monitoring profile tightens, and the periodic review cadence shortens — all without any manual orchestration.
The result is a PEP programme that doesn't just identify PEPs but actually applies the heightened due diligence the regulation requires — visibly, consistently and provably.
What Compliance Teams Ask Us
Apply the Right EDD to the Right PEP.
See how One Constellation handles PEP screening, tiering and RCA mapping for regulated firms across 15 jurisdictions — with the audit trail every regulator expects.
