Address Verification for Banks and Lenders
Accurate address data is a compliance requirement, not just a data quality preference. Semilariti provides UPRN-matched address verification that supports KYC, AML, and risk assessment workflows across financial services.
Why Address Data Quality Matters in Financial Services
For banks and mortgage lenders, address data is not just an operational concern — it is a compliance and risk issue. KYC and AML regulations require financial institutions to verify customer identity, and address verification is a core component of that process. Inaccurate or unverifiable address data creates compliance gaps that regulators increasingly scrutinise.
Beyond compliance, address data quality directly affects credit risk assessment, mortgage valuations, portfolio reporting, and fraud detection. A customer record with a poorly matched or unverified address is a record you cannot fully trust — and in a regulated environment, that has consequences.
How Semilariti Supports Financial Services
KYC Address Verification
Match customer-provided addresses against the authoritative AddressBase dataset and return the corresponding UPRN — providing a verifiable, auditable property reference for every customer record.
AML Compliance Support
UPRN-matched addresses are unambiguous property references that strengthen your AML due diligence records — demonstrating a higher standard of address verification to regulators.
Mortgage Portfolio Cleansing
Clean and UPRN-match your entire mortgage book — correcting inconsistencies, assigning authoritative property references, and preparing data for regulatory reporting.
Risk Assessment Accuracy
Precise property identification ensures that risk models — LTV calculations, flood risk assessments, property valuations — are working from accurately located, correctly identified properties.
Fraud Detection Support
UPRN matching can surface address inconsistencies that may indicate fraud — for example, a customer-provided address that does not match any real property in AddressBase.
Credit Application Processing
Validate and standardise address data at the point of credit application — preventing data quality issues from entering your systems and causing downstream processing errors.
Security and Compliance
Zero Data Retention
Address data is processed and immediately discarded. Nothing is stored on Semilariti's infrastructure after processing completes.
GDPR Compliant
Full compliance with UK GDPR requirements. Your customer data is never used for any purpose other than the matching request you submit.
End-to-End Encryption
All data in transit is encrypted. Semilariti uses enterprise-grade security infrastructure with 99.9% uptime.