UBO Discovery

UBO

Discovery

Agentic AI That Finds the Beneficial Owners

Registries Miss, Inside Your KYB Workflow

• Solution Sheet

Trulioo — Solution Sheet

Incomplete ownership data is a fundamental challenge

separating legitimate businesses from shell companies,

money laundering operations and sanctioned actors.

Yet registries, where UBO resolution starts, are

uneven: coverage varies by country, some markets

have no central register at all, records lag mergers and

restructurings by months or years, and ownership chains

break at national borders.

That leaves regulated teams choosing between

onboarding with incomplete data, delaying and losing

revenue, or relying on manual analyst research that is

slow, costly and capped by headcount.

Trulioo UBO Discovery closes that gap. It pairs the

authoritative coverage you already rely on with governed

agentic AI that reconstructs ownership where those

sources fall short, with every result traced back to the

source records behind it, inside the workflow your teams

already use.

80%

Trulioo UBO Discovery can lift ownership

coverage by up to 80 percent.

Trulioo — Solution Sheet

Resolve Ownership Where Others

Come Up Empty

The Trulioo difference shows up in the cases that

matter most, where registry-only tools and standalone

databases return nothing.

Long-Tail, Thin-File and SMB Businesses

Small and newly formed companies have the least

registry data and the highest risk. Trulioo resolves

ownership for the businesses other tools can’t find.

Owners That Others Cannot Find

Agentic AI reconstructs control structures from filings,

disclosures and public records, surfacing the natural

persons behind nominee arrangements and corporate

holding layers.

Markets With No Usable Registry

In countries with no central UBO register, including

the U.S., Trulioo reaches data that registry-derived

databases do not hold.

Cross-Border Ownership Chains

When ownership routes through jurisdictions that do

not share data, Trulioo follows the chain across borders

instead of stopping where the registry trail breaks.

The agent automates the hardest final mile:

reconstructing ownership structures across jurisdictions,

source types and incomplete disclosures, going beyond

what government registries return on their own.

Depending on the market, UBO Discovery can lift

ownership coverage by up to 80 percent, with the

largest gains where registries provide the least.

How It Works:

From Registries to Reconstruction

UBO Discovery runs as a single workflow that

escalates through three data layers, so each business

is resolved using the right source for the job.

Authoritative Data Sources

Integrated government registries, global partners

and Trulioo-hosted proprietary databases form the

foundation for entity resolution, with best-in-class

global coverage.

Trulioo Business Graph

A proprietary layer of hundreds of millions of entities

and identity signals that enables cross-business

pattern detection, director frequency analysis and

cross-border structural relationship mapping.

UBO Discovery Agent

Next-generation agentic AI and trust infrastructure

specifically designed for UBO reconstruction. It

researches company-created documents and

disclosures, as well as non-registry statutory filings,

legal and public records, OSINT and web and social

validation, and verified third-party databases. It

also reaches registries in real time where no API

connectivity exists.

Trulioo is the AI-connected risk intelligence platform for fraud and

financial crime, trusted by global enterprises to verify identities,

prevent fraud and manage business risk. Trulioo combines

proprietary technology with regional expertise to deliver verification

and risk decisions on one platform, in any market globally.

Trulioo is a registered trademark of Trulioo Information Services Inc. in the United States, the European

Union, Canada and other countries.

Once ownership structure is established, Trulioo lets

customers verify and screen the owners as individuals (KYC).

Data verification: Confirming that returned attributes such

as name, address and date of birth exist in a registry.

Document verification: Ensuring the person is who they

claim to be and is genuinely associated with the business.

Electronic identity verification: Leveraging digital IDs and

electronic ID schemes where appropriate, particularly in

regulated environments.

Watchlist screening on each identified owner: AML,

sanctions, PEP and adverse media.

The result is a holistic compliance and risk assessment of

both the business and every individual behind it.

Inside the UBO Discovery Agent

Reconstruction rather than retrieval. The agent

assembles a coherent ownership picture rather than

fetching a single record.

Jurisdiction-aware logic. The agent applies the right

control rules for each market. For example, local

ownership thresholds and how control is treated under

different legal systems, drawn from Trulioo’s deep

knowledge of AML and UBO regulation, not a generic

global prompt.

Grounded LLM research. Language models power

entity resolution, contextual interpretation and

corporate relationship mapping, always grounded in

authoritative data.

Compliant by design. Governed, explainable output with

categorized sources. Where resolution is incomplete, the

agent reports the gap rather than guessing.

What Sets Trulioo Apart

Trulioo is the only KYB platform with agentic UBO

discovery built into the business verification workflow.

• Integrated, not bolted on. Discovery and

reconstruction run inside your existing KYB workflow

in a single API call. Standalone tools sit outside it and

add an integration and an analyst hand-off.

• The Trulioo business graph. A proprietary data layer

built on Trulioo’s depth in KYB and KYC, enabling

powerful cross-business and cross-border pattern

detection to improve UBO match rates.

• Governed sources. Every source is categorized,

weighted and reconciled by reliability, recency

and relevance, with every finding cited rather than

scraped from the open web.

Verify and Screen Every Owner

Built for Global Enterprise KYB

Runs inside your existing KYB and onboarding

workflow through a single API call

Available as an add-on to any tier of Trulioo

Business Verification

Aligned with evolving requirements, including

FinCEN CDD in the U.S., the U.K. PSC regime

and ECCTA, and the EU AML Regulation