1. Intrinsic URU ID System Self Learning Module
Introduction
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2. Introduction
From 1st April 2010 all advisers have been required to verify their client’s identities using the URU electronic ID system.
This system, developed by GB Group in partnership with BT, accesses electronic records and databases to provide verification of the clients name, address and date of birth.

3. Introduction
In addition to checking electoral role, credit records and telephone records a number of anti-fraud and sanctions checks are completed.
In some circumstances, where electronic records are not sufficient to positively verify the client’s identity, paper documentation reference numbers can be input to obtain verification.
There is no footprint or trace left on the clients credit records and no information used to verify the identity is used for any other purpose.

4. Intrinsic URU ID System Self Learning Module
Introduction
When to use URU
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5. When to use URU You will need to use URU to verify all new client’s
identity. This includes all applicants, lives assured and
policyholders.
You only need to ID existing client if:
You do not hold evidence of previous ID verification
The client has changed his/her name
The client has changed his/her address
Fact find information has materially changed so that you now consider the client a greater financial crime risk

6. When to use URU
Despite obtaining ID verification electronically, you will be still required to follow lenders and providers process and where applicable provide them with copies of paper ID documents.
This is to comply with their own anti-fraud monitoring processes and has nothing to do with ID verification

7. When to use URU
You need to complete your ID verification process at any point in the sales process BEFORE the client’s application is submitted
Additional guidance on when you need to verify client’s identity is contained in Section 5 of the Anti-money laundering guidance on the extranet.
The URU procedures, also on the extranet, details when you need to use the electronic system

8. Intrinsic URU ID System Self Learning Module
Introduction
When to use URU
How to access URU
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9. How to access URU
URU is accessed through a secure website URL that is available 24 hours a day subject to having an internet connection.
No information about the checks completed is stored on your computer and all client information is held securely.
The web address for accessing URL is available in the procedures and is also shown at the end of this training

10. How to access URU
Your log-in ID and password will have been provided to you with your appointment confirmation from your Recruitment Team administrator.
If this was not received or has been lost please contact either Recruitment or IT to obtain your ID and password.
On first log-on you will need to change the password to one that is familiar to yourself.

11. Intrinsic URU ID System Self Learning Module
Introduction
When to use URU
How to access URU
Log-on & change password
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12. Log-on & change password
Input your user name (Account) and password and then click ‘log in’

13. Log-on & change password
A warning will appear “Your password must be changed…….” Click ‘Need to change your password?’

14. Log-on & change password
Input the old password, a new password (that will indicate the security strength) and re-confirm the new password. Then click ‘change password now’.

15. Log-on & change password
When the message to confirm that the password has been changed appears, click ‘back’

16. Log-on & change password
Finally, re-enter the new password and click ‘log in. This will log you in to URU

17. Log-on & change password
You will see this screen. You need to select the relevant profile (1 or 2) depending on how you are advising the client and click continue.

19. Intrinsic URU ID System Self Learning Module
Introduction
When to use URU
How to access URU
Log-on & change password
Face to face verification
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20. Face to face verification
When completing verification checks for clients that you have seen face to face you will need to input the following in ALL cases:
- Surname
- 1st middle initial (not ‘middle name’ as shown)
- Title
- Forename
- Gender
- Date of Birth
Customer reference (client forename and surname)

21. Face to face verification
If you miss any of this information a warning box will appear when you click ‘authenticate’ and you will not be able to proceed until all errors are cleared:

22. Face to face verification
You do NOT need to input any document data at this point.
Passport, driving licence, electricity supply or card details are only required if the ALERT decision is produced having input name, address, DOB, gender and ticked the telephone box.

23. Face to face verification
Having input the house number/name and postcode in ALL cases click on ‘look-up’ to find the address

24. Face to face verification
Select the correct address and click OK to input the address details:

25. Face to face verification
You do not need to input first/last residency years – doing so may reduce the chance of a ‘PASS’

26. Face to face verification
Equally, you do not need to input any previous/other addresses

27. Face to face verification
If the address the client has provided is not found on the look-up search, select the closest nearest match and then manually amend the details

28. Face to face verification
Next, in ALL cases go to the Land Telephone tab and tick the Non-published check box – you do not need to enter a telephone number
Tick this box in ALL cases – even if the client says he/she doesn’t have a landline number. Ticking the box avoids keying errors in inputting the number.

29. Face to face verification
Before you proceed to authentication, please double check ALL data entry items to be sure that they have been input correctly. Any incorrect data entry will result in the authentication failing and additional costs being incurred.

30. Face to face verification
If you are happy with the data input and that all fields have been completed, click one of the two ‘authenticate’ buttons on the right.

31. Face to face verification
The input warning box will appear if you have missed any information, so all data items need to be completed before proceeding:

32. Intrinsic URU ID System Self Learning Module
Introduction
When to use URU
How to access URU
Log-on & change password
Face to face verification
Non face to face verification
Please click on the section you wish to study –
the stop button to the left will close the presentation

33. Non-face to face verification
When completing verification checks for clients that you have seen non-face to face you will need to input the following in ALL cases:
- Surname
- Middle initial only
- Title
- Forename
- Gender
- Date of Birth
Customer reference (client forename and surname)

34. Non-face to face verification
If you miss any of this information a warning box will appear when you click ‘authenticate’ and you will not be able to proceed until all errors are cleared:

35. Non-face to face verification
Having input the house number/name and postcode in ALL cases click on ‘look-up’ to find the address

36. Non-face to face verification
Select the correct address and click OK to input the address details:

37. Non-face to face verification
You do not need to input first/last residency years – doing so may reduce the chance of a ‘PASS’

38. Non-face to face verification
Equally, you do not need to input any previous/other addresses

39. Non-face to face verification
If the address the client has provided is not found on the look-up search, select the closest nearest match and then manually amend the details

40. Non-face to face verification
In all cases go to the Land Telephone tab and tick the Non-published check box – do not enter any telephone number
Complete this in ALL cases – even if the client says he/she doesn’t have a landline number

41. Non-face to face verification
In addition to name, address, DOB, gender and telephone input for non-face to face clients you will need to input TWO of either:
UK passport
Driving license
Electricity supply details
Credit/debit card
International passport

42. Non-face to face verification
This section captures the Passport details from the client, with input fields:
Passport number
Date of Expiry

43. Non-face to face verification
The Passport number is taken from the bottom line of characters on the details page of the client’s passport from left to the last 2 digits on the right

44. Non-face to face verification
For the example on the previous screen, the number to be entered into URU would be as follows
As you input the information the system will automatically tab across to the next box/section.

45. Non-face to face verification
If any of the passport information is input incorrectly, when you click authenticate a warning box will appear. All errors must be cleared before you are able to proceed:

46. Non-face to face verification
This section captures the Driving License details from the customer’s driving license photo card, with input fields:
Driving license number
Date of Issue
Postcode as stated on the driving license

47. Non-face to face verification
The Driving License Number has been broken down into four sub fields. These are identified from the driving license photo card as follows:
5 characters (made up of letters and/or numbers)
6 numbers
3 characters (made up of letters and/or numbers)
2 characters
For example, a typical Driving License may display:
ABCDE FG7 HJ

48. Non-face to face verification
If you have the paper counterpart of the driving license input the ‘Mailsort on license’ and Microfiche Number’.

49. Non-face to face verification
This paper part information is added into these fields:

50. Non-face to face verification
THE DRIVING LICENSE CHECK IS ONLY VALID FOR UK ISSUED LICENSES OTHER THAN NORTHERN IRELAND AS THEY ARE NOT ISSUED BY DVLA AND HAVE A DIFFERENT LICENSE NUMBER FORMAT

51. Non-face to face verification
If any of the driving licence information is input incorrectly, when you click authenticate a warning box will appear. All errors must be cleared before you are able to proceed:

52. Non-face to face verification
The electricity bill or statement, and comprises three fields:
Electricity Supply Number
Mailsort number on the electricity bill
Postcode on the electricity bill

53. Non-face to face verification
The Electricity Supply Number has been broken into four sub fields, of length 2,4,4 and 3, to enable the number to be accurately obtained from the bill. On a typical bill, there will be a series of boxes printed on the bill, and may be labelled Supply number(s). The boxes will appear similar to this:

54. Non-face to face verification
The Credit/Debit Card section allows the client’s Credit/Debit Card to be proven, and comprises five fields:
Card number
Card expiry
Card issue number (Solo & electron cards only)
Card type
Card verification code

55. Non-face to face verification
The same input data for UK passports needs to be taken for international passport. However, as the additional chevrons (<) also need to be input. For example:
In addition, the country of origin will need to be input

56. Non-face to face verification
Before you proceed to authentication, please double check all data entry items to be sure that they have been input correctly. Any incorrect data entry will result in the authentication failing and additional costs being incurred.

57. Non-face to face verification
If you are happy with the data input and that all fields have been completed, click on of the two ‘authenticate’ buttons on the right.

58. Non face to face verification
Remember input warning boxes will appear if you have missed any information, so all data items need to be completed before proceeding:

59. Non face to face verification
Remember input warning boxes will appear if you have missed any information, so all data items need to be completed before proceeding:

60. Non face to face verification
Remember input warning boxes will appear if you have missed any information, so all data items need to be completed before proceeding:

61. Intrinsic URU ID System Self Learning Module
Introduction
When to use URU
How to access URU
Log-on & change password
Face to face verification
Non face to face verification
Face to face results
Please click on the section you wish to study –
the stop button to the left will close the presentation

62. Face to face URU results
URU will automatically check online records (electoral role, credit records and landline phone records) and based on the information matched will provide one of three possible results from the initial authentication:
PASS
ALERT
REFER
Each are explained further, with details of any action required

63. Face to face URU results
PASS
- Sufficient data has matched online records therefore no further authentication is required
- For your own records you need to print/save the results as once cleared these will no longer be available
- A record of the authentication result is automatically stored in the admin system and is visible to FCO, Compliance and Supervisors for audit purposes

64. Face to face URU results
ALERT
Insufficient data has matched and therefore further information needs to be checked to verify client’s identity
You do not need to print/save the record
A record of the authentication result is automatically stored in the admin system and is visible to FCO, Compliance and Supervisors for audit purposes

65. Face to face URU results
ALERT
You need to input two of the following:
Passport details
Driving License details (except Northern Irish issued license)
Electricity Supply & bill information
Credit or Debit Card details
If this information was input initially, then immediately click authenticate again. Otherwise the information will need to be input before clicking ‘Authenticate’.
You will then obtain a PASS or REFER

66. Face to face URU results
REFER
For a REFER, first check that the data entry has been correctly completed
If it hasn’t been input correctly, amend and re-authenticate
If it has been input correctly, or a REFER is still obtained, Jason Rickards (FCO) immediately with the client name
Further guidance or confirmation of further actions will then be provided
During a REFER process, continue to deal with the client(s) as usual but do not alert them to the identification process.

67. Intrinsic URU ID System Self Learning Module
Introduction
When to use URU
How to access URU
Log-on & change password
Face to face verification
Non face to face verification
Face to face results
Non-face to face results
Please click on the section you wish to study –
the stop button to the left will close the presentation

68. Non-face to face URU results
URU will automatically check online records (electoral role, credit records and landline phone records) and based on the information matched will provide one of two possible results from the initial authentication:
PASS
REFER
Each are explained further, with details of any action required

69. Non-face to face URU results
PASS
- Sufficient data has matched online records therefore no further authentication is required
- For your own records you need to print/save the results as once cleared these will no longer be available
- A record of the authentication result is automatically stored in the admin system and is visible to FCO, Compliance and Supervisors for audit purposes

70. Non-face to face URU results
REFER
For a REFER, first check that the data entry has been correctly completed
If it hasn’t been input correctly, amend and re-authenticate
If it has been input correctly, or a REFER is still obtained, Jason Rickards (FCO) immediately with the client name
Further guidance or confirmation of further actions will then be provided
During a REFER process, continue to deal with the client(s) as usual but do not alert them to the identification process.

71. Intrinsic URU ID System Self Learning Module
Introduction
When to use URU
How to access URU
Log-on & change password
Face to face verification
Non face to face verification
Face to face results
Non-face to face results
Record-keeping and Compliance
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72. Record-keeping
A record of each authentication is stored in the back-office admin system that is only accessible to certain HO and Supervisory Teams.
You should print/save a copy of the authentication for your own records. It does not need to be uploaded into the OfficeWeb sales process.
Over time, full integration into the sales process will be achieved and a copy of the results will automatically be pulled back in to OfficeWeb.

73. Record-keeping
Until integration is available OfficeWeb fields have been added to indicate how ID checks have been completed.
Procedures on the extranet show you how to print/save the results document electronically.

74. When your result is generated click on the button.
Print/Save
When your result is generated click on the button.
This will open a new window where you should print the results.

75. Print/Save
You are also able to save the result electronically. After clicking on ‘printable version’, click on ‘page’ and ‘save as’.

76. Record-keeping and Compliance
Compliance will access the check when completing case checks and will assess the audit trail of the authentication. Records will also be viewed by your CDM or Field Supervisor as part of any T&C activity.
They will look for a final ‘Pass’ result or a ‘Fail’ with confirmation from FCO to proceed. The results will be recorded as part of the case check in Worksmart.
A case check will fail if the electronic ID process for the client only shows an ‘Alert’ decision.

77. Summary
You have now completed the URU self-learning training. The link to the URU website is below. Click on the link and then save the webpage to your ‘favourites’

78. Congratulations!
You have now completed Intrinsic’s online training URU training.
You need to be connected to the internet to generate your certificate. Click on the link below to open the document in MS Word. Input you name and firm name and save this document. Then it to your Competency Development Manager
URU TRAINING CERTIFICATE