International Address Verification

International residential address verification uses a number of data providers with access to regional data source providers within the supported countries. Verify by Tiller uses data sources direct from government agencies, credit agencies, utility companies and landline telecommunication providers. Mobile telecommunication providers, marketing lists or other sources which do not meet regulatory standards are not used.

When verifying the address, Verify determines which in-country data sources are available and most likely to be able to obtain a match and get the provider to confirm if the credentials provided match their records. By matching directly to the original data source provider, we ensure the data is as up to date as possible. The number and degree of match is then used to confirm if the individual is a resident at their stated address.

Address sources

Tiller partners with a number of carefully selected regional agents who have access to specific in-country regulatory-quality data sources. Tiller’s Verify application will only use one or more of the following data source types to verify the residential address of an individual:

• Credit Agency Databases,

• Government Databases (e.g., Voter, Social Security, Population/Citizenship Registries)

• Utility Company Databases (e.g., Electricity, Water, Gas, Telephone (excluding Mobile)).

Regulators make provision for the address to be verified against such data sources and Verify includes which data source types were used in the verification results it provides back via its API.

It is necessary to support residential address checks to temporarily share name and address PII information with a data source provider for the match check to be performed. Tillers legal agreements with our providers strictly restricts the use and retention of the PII information shared. PII data is only permitted to be used for the purposes of confirming a name and address match and may not be retained or used for any other purposes. The providers are also contractually required to adhere to all provisions of GDPR.

Tillers systems and data are hosted within the EU/EEA, however, where an individual being checked is resident outside the EU it is necessary for Tiller to share that individuals PII data with the data source providers in that individual’s country of residence. Tillers legal agreements with our providers include the modernised 2021 EU SCC (Standard Contractual Clauses) that have been “pre-approved” by the European Commission, ensuring appropriate data protection safeguards covering international transfers of PII data.

The above data handling & verification model is that same as that used by our larger enterprise customers such has HSBC, who received a confirmation of ‘no objection’ from the JSFC (Jersey Financial Services Commission) when they submitted their outsourcing request to use Tillers services to them.