Sankcie screening API — OFAC + EU + UN + UK
Consolidated watch-list screening pre 3,73M SK + CZ firiem. 1 150 629 targets v DB, match na firmu + štatutárov + UBO. Free API (600 req/min bez auth), <100 ms latency, daily refresh.
Sankcie check jedným IČO
Over, či firma / jej štatutári / UBO nie sú na OFAC SDN, EU CFSP, UN UNSC, UK HMT alebo crime/PEP zoznamoch.
Compliance tier breakdown
PROHIBITED
Firma priamo na sankčnom zozname alebo debarred. Stop-list: nikdy neobchodovať. 37 firiem.
HIGH_RISK
UBO alebo štatutár na sankčnom liste / crime watch. Enhanced due diligence + manager sign-off. 697 hits.
ENHANCED_DD
PEP link cez štatutára alebo rodinný príslušník. Enhanced KYC, vyšší transaction monitoring. 12 288 firiem.
STANDARD
Bez sankčných/PEP/crime hitov. Štandardný KYC proces. ~3,25M firiem.
Integrované zoznamy
OFAC SDN (US)
US Treasury Specially Designated Nationals. Sectoral sanctions (SSI, NS-CMIC, FSE, UYGHUR).
EU Consolidated
Council of EU CFSP restrictive measures. Per-country + per-regime designations.
UN UNSC
UN Security Council Consolidated List (1267/1988/2231). Automatic adoption vo všetkých UN štátoch.
UK HMT OFSI
UK HM Treasury Office of Financial Sanctions Implementation. Post-Brexit divergencia od EU.
PEPs (FATF)
18 044 match na SK/CZ štatutárov. Domestic + foreign + int'l organizations + family + close associates.
Crime watch
Interpol Red Notices, Europol Most Wanted, FBI Most Wanted, national criminal DBs. 425 hits.
Debarment
World Bank, IDB, AfDB, EIB, EU EEAS blacklist. 92 hits (firm + person).
Regional
CH SECO, AU DFAT, CA OSFI, JP METI, AE (UAE EOCN). Rozširuje sa podľa dopytu.
Response shape
GET /api/v1/companies/31322832/sanctions
{
"data": {
"ico": "31322832",
"companyMatches": [],
"personMatches": [
{
"personName": "Juraj Vozár",
"role": "predseda predstavenstva",
"osId": "Q54321",
"listType": "pep",
"matchConfidence": 0.94,
"matchedVia": "name_exact",
"sourceDatasets": ["eu_peps", "un_unsc"]
}
],
"complianceTier": "ENHANCED_DD"
},
"meta": { "duration_ms": 47, "cached": false }
}
Typické nasadenia
Fintech onboarding
Pre-check pred account opening. Real-time API call z onboarding flow → auto-reject PROHIBITED, escalate HIGH_RISK na compliance officera.
Treasury / Vendor DD
Pre-payment screening: kontrola protistrán pred bankovým transferom. Zabráni porušeniu EU/US sankcií (OFAC pokuty 50%+ sumy porušenia).
Periodic review
Mesačný CSV export klientov cez bulk API → diff vs prior month → alert na nové hits. Daily refresh v DB znamená, že hity sa objavia samé.
AML audit trail
Per-match logging (timestamp + confidence + matched_via + source_dataset) pre FCA/MAS/NBS compliance audity.
Často kladené otázky
Aké sankčné zoznamy ste integrovali?
OpenSanctions consolidated feed (1.1M+ targets): OFAC SDN (US Treasury), EU Consolidated Sanctions List (CFSP), UN Security Council Consolidated List, UK HM Treasury OFSI, plus regionálne (CH SECO, AU DFAT, CA OSFI, JP METI). Okrem klasických sankcií: PEP (politically exposed persons, 17k match na SK/CZ štatutárov), crime watch-lists (Interpol, Europol Most Wanted), debarment (World Bank, IDB, EU EEAS).
Ako funguje matching? Je to presné?
Dve vrstvy: (1) Company-level — IČO-priamy match (conf 1.0) cez identifiers array + EU/UK/US company registry IDs; plus názov exact-normalized (conf 0.85). (2) Person-level — matchujeme štatutárov/spoločníkov (z RPO, ARES, RPVS UBO) proti PEP/sanctions/crime targets. Normalizácia: lowercase + unidecode + remove titles + sort first+last name. False-positive rate ~3% (manual audit 50 hits), akceptovateľné pre screening (každý hit ide do review).
Ako často refreshujete zoznamy?
Denne. Daily timer entyrix-sanctions-refresh.timer (04:30 UTC) stiahne všetky 4 target listy (sanctions, PEP, crime, debarment) z OpenSanctions goldencopy + ARES delta + re-match proti companies + company_people. Lag typicky <24h od officiálneho update (OFAC publishes 09:00 ET, Europe/Asia around 18-22h Eurostat). Per-target last_seen timestamp v sanctions_targets tabuľke.
Aké API dostanem pre jeden lookup?
GET /api/v1/companies/:ico/sanctions vracia všetky hity: company matches (priamy IČO alebo názov) + person matches (cez štatutárov) s field-level breakdown (list_type: sanctions/pep/crime/debarment, match_confidence, matched_via, source_datasets). Plus GET /api/v1/companies/:ico/compliance vráti aggregated tier: PROHIBITED (sankcie/debarment) / HIGH_RISK (crime/UBO sankcie) / ENHANCED_DD (PEP link) / STANDARD.
Môžem bulk skenovať 100k+ firiem mesačne?
Áno. POST /api/v1/companies/bulk berie 100 IČO / request (batch 10ms/each). Pre full table exports použi GET /data-feeds/sanctioned-companies.csv (denne refresh) alebo advanced-search CSV export s is_sanctioned=1 / compliance_tier=PROHIBITED filtre. Rate-limit 600 req/min štandardne — enterprise tier (10k req/min) po dohode.
Je to kompatibilné s AML-05 (5. smernica) a AML-06?
Áno. Pokrývame všetky AML-05/06 požiadavky na sanctions/PEP screening: (a) OFAC SDN + SSI + NS-CMIC, (b) EU CFSP consolidated + sektorové sankcie, (c) UN UNSC, (d) UK HMT OFSI, (e) domestic regulators (NBS konkurz + likvidátor). PEP scoping podľa FATF definície (national/international/family + close associates). Pre FCA/MAS/Bundesbank audit trail dodáme per-match log s timestamp + confidence + matched_via.
Pokrývate aj adverse media a crime watch-lists?
Áno — crime list_type matchuje Interpol Red Notices, Europol Most Wanted, FBI wanted, national criminal databases. Aktuálne 425 person matches (štatutári SK/CZ firiem na crime watch-lists). Adverse media (negatívne media scanning cez NLP) nie je v scope — delegujeme na partners (Dow Jones Risk, World-Check) ak treba. OpenSanctions full-text search API je tiež partial replacement.
Pripojené ďalej
Sankcie sú jeden zo signálov v plnom KYB profile. Plus credit score, NIS2 scoping a transparency feeds.