1. Domov
  2. Sanctions Screening

Sankcie Screening API daily refresh

Consolidated OFAC + EU + UN + UK HMT watch-list screening pre 3.27M SK + CZ firiem. 1,098,228 targets v DB, match na firmu + štatutárov + UBO. Free API (600 req/min bez auth), <100ms 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.

Coverage na SK + CZ databáze

1,098,228
OpenSanctions targets
23
sankcionovaných firiem
18,234
person-level hits
11,931
firiem s PEP linkom

Rozdelenie do 4 tier podľa compliance rizika

🔴 PROHIBITED

Firma priamo na sankčnom zozname alebo debarred. Stop-list: nikdy neobchodovať.

23

🟠 HIGH_RISK

UBO alebo štatutár na sankčnom liste / crime watch. Enhanced due diligence + manager sign-off.

673

🟡 ENHANCED_DD

PEP link cez štatutára alebo rodinný príslušník. Enhanced KYC, higher transaction monitoring.

11,931

🟢 STANDARD

Bez sankčných/PEP/crime hitov. Štandardný KYC proces.

~3.25M

Integrované watch-listy

🇺🇸 OFAC SDN

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)

17,561 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. 406 hits.

🏛️ Debarment

World Bank, IDB, AfDB, EIB, EU EEAS blacklist. 87 hits (firm + person).

🌍 Regional

CH SECO, AU DFAT, CA OSFI, JP METI, AE (UAE EOCN). Rozširuje sa podľa dopytu.

API 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 use cases

🏦 Fintech onboarding

Pre-check pred account opening. Real-time API call z onboarding flow → auto-reject PROHIBITED, escalate HIGH_RISK na compliance officer.

💼 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 všetkých klientov cez bulk API → diff vs prior month → alert na nové hits. Daily refresh v databáze znamená, že hity sa samé objavia.

⚖️ AML audit trail

Per-match logging (timestamp + confidence + matched_via + source_dataset) pre FCA/MAS/NBS compliance audity.

FAQ

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 opendata-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 406 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.

Ďalšie kroky