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PMM draft · copy NOT MLRO-reviewed · H1 and closing claim replaced with a DERIVED placeholder pending an actual compliance ruling · not for publication
FCA-authorised EMI FRN 901043

Controls designed to identify, assess and respond to financial-crime and fraud risks.H1 replaced. Original claim banned, no approved wording exists. MLRO ruling required before this placeholder ships

For businesses that need fraud and financial-crime controls built to keep pace with how threats move across payment rails. Monitoring, screening and human escalation are set out below.sub-line derived, needs MLRO

Three controls, run in-house.heading form derived, needs MLRO

01

Understand the counterparty

KYB designed to assess documented multi-layer ownership structures, subject to risk appetite and onboarding requirements.

02

Watch the movement

Supported by DigiDoe’s in-house compliance team and financial-crime controls. Our fraud-monitoring and authentication controls are designed to help detect suspicious activity and protect access to customer accounts.

03

Act with people

When something needs judgement, a person exercises it. Escalations reach humans who can act. Supported by in-house compliance controls designed to assess payment activity efficiently and respond to applicable AML, sanctions and fraud risks.

In-house AMLSanctions & PEP screeningTransaction monitoringCounter-fraudHuman escalation

What you’ll see day to day.

Checks you can see

A payment may occasionally pause for verification. We aim to explain why and what is needed to continue.Blocked . pause/communication process unconfirmed, no product note, no guaranteed SLA implied

Transparency

Account and transaction records.heading form derived, needs MLRO

Export available account and transaction activity to support your reporting and record-keeping.

Evidence

What we ask of you

Verify changed payee details on a channel you already trust, and treat urgency as a signal.absolute claim removed, no approved wording exists

Your part

FCA-authorised, ISO-certified, relevant funds safeguarded.

Stated once, here, with the limits included.

Electronic Money Institution, FRN 901043

Authorised by the Financial Conduct Authority. DigiDoe is not a bank. Check the Register, or read the guidance on using payment service providers.

ISO 27001 and ISO 22301 certified

Certified for information security and for business continuity by British Assessment Bureau, a UKAS-accredited certification body.

Safeguarded, not FSCS-protected

Relevant funds are safeguarded in accordance with applicable regulatory requirements and are not protected by the FSCS.

How relevant funds are safeguarded

Payments are screened against sanctions and financial-crime controls, and transactions are monitored. These controls reduce risk; they do not remove it.

Talk to us about fraud and compliance.H2 replaced. Original claim banned, no approved wording exists. MLRO ruling required before this placeholder ships