Adverse Media Check - KYC API Documentation

curl -X POST https://stg.kyc.legaltalent.ai/kyc/adverse-media \
    -H "Authorization: Bearer YOUR_TOKEN" \
    -H "Content-Type: application/json" \
    -d '{
      "name": "John Doe"
    }'

{
  "final_risk_score": 75,
  "decision": "HIGH_RISK",
  "summary": "Multiple adverse media findings identified including fraud allegations and regulatory violations.",
  "sources": [
    {
      "id": 1,
      "title": "Tech Executive Charged with Fraud",
      "url": "https://example.com/news/article1",
      "summary": "John Doe, CEO of Tech Corp, faces fraud charges related to investor funds..."
    },
    {
      "id": 3,
      "title": "SEC Investigation into Tech Corp",
      "url": "https://example.com/news/article2",
      "summary": "SEC investigating Tech Corp for securities violations involving executive..."
    }
  ],
  "entity_name": "John Doe",
  "entity_type": "person",
  "country": "US",
  "age": 45,
  "analysis_timestamp": "2024-11-22T10:30:00Z",
  "processing_time_ms": 6000
}

POST

kyc

adverse-media

curl -X POST https://stg.kyc.legaltalent.ai/kyc/adverse-media \
    -H "Authorization: Bearer YOUR_TOKEN" \
    -H "Content-Type: application/json" \
    -d '{
      "name": "John Doe"
    }'

{
  "final_risk_score": 75,
  "decision": "HIGH_RISK",
  "summary": "Multiple adverse media findings identified including fraud allegations and regulatory violations.",
  "sources": [
    {
      "id": 1,
      "title": "Tech Executive Charged with Fraud",
      "url": "https://example.com/news/article1",
      "summary": "John Doe, CEO of Tech Corp, faces fraud charges related to investor funds..."
    },
    {
      "id": 3,
      "title": "SEC Investigation into Tech Corp",
      "url": "https://example.com/news/article2",
      "summary": "SEC investigating Tech Corp for securities violations involving executive..."
    }
  ],
  "entity_name": "John Doe",
  "entity_type": "person",
  "country": "US",
  "age": 45,
  "analysis_timestamp": "2024-11-22T10:30:00Z",
  "processing_time_ms": 6000
}

Perform adverse media analysis on entities to identify negative news, sanctions, criminal records, and other risk factors beyond traditional watchlist checks. Supports analysis of persons, companies, and websites/domains.

Endpoint

POST /kyc/adverse-media

Authentication

Requires kyc:create permission. Include your Bearer token in the Authorization header.

Description

The adverse media check uses AI-powered analysis to search and evaluate publicly available information about an entity. It performs:

Parallel web searches across multiple sources
LLM analysis to filter and evaluate findings
Risk scoring based on identified adverse media
Structured reporting with source citations

This complements traditional watchlist checks by finding information that may not yet be in official sanctions lists.

Entity Types

The endpoint supports three entity types:

Type	Description	Search Focus
`person`	Individual analysis (default)	Fraud, sanctions, criminal records, professional profiles
`company`	Company/organization analysis	Corporate fraud, regulatory violations, sanctions
`website`	Website/domain reputation	Fraud reports, security issues, blacklists, consumer complaints

Request Body Parameters

Request Example

curl -X POST https://stg.kyc.legaltalent.ai/kyc/adverse-media \
    -H "Authorization: Bearer YOUR_TOKEN" \
    -H "Content-Type: application/json" \
    -d '{
      "name": "John Doe"
    }'

Additional Request Examples

Person with Context

curl -X POST https://stg.kyc.legaltalent.ai/kyc/adverse-media \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "John Doe",
    "entity_type": "person",
    "country": "US",
    "age": 45,
    "additional_info": "CEO of Tech Corp, based in New York"
  }'

Company Analysis

curl -X POST https://stg.kyc.legaltalent.ai/kyc/adverse-media \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Tech Corp Inc",
    "entity_type": "company",
    "country": "US",
    "additional_info": "Technology company founded in 2010"
  }'

Website/Domain Analysis

curl -X POST https://stg.kyc.legaltalent.ai/kyc/adverse-media \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "example-shop.com",
    "entity_type": "website",
    "additional_info": "E-commerce platform"
  }'

Using OpenAI Provider

curl -X POST https://stg.kyc.legaltalent.ai/kyc/adverse-media \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "John Doe",
    "country": "US",
    "provider": "openai",
    "model": "gpt-4o-mini"
  }'

Response Format

Success Response

{
  "final_risk_score": 75,
  "decision": "HIGH_RISK",
  "summary": "Multiple adverse media findings identified including fraud allegations and regulatory violations.",
  "sources": [
    {
      "id": 1,
      "title": "Tech Executive Charged with Fraud",
      "url": "https://example.com/news/article1",
      "summary": "John Doe, CEO of Tech Corp, faces fraud charges related to investor funds..."
    },
    {
      "id": 3,
      "title": "SEC Investigation into Tech Corp",
      "url": "https://example.com/news/article2",
      "summary": "SEC investigating Tech Corp for securities violations involving executive..."
    }
  ],
  "entity_name": "John Doe",
  "entity_type": "person",
  "country": "US",
  "age": 45,
  "analysis_timestamp": "2024-11-22T10:30:00Z",
  "processing_time_ms": 6000
}

Response Fields

Field	Type	Description
`final_risk_score`	integer	Risk score from 0-100 (higher = higher risk)
`decision`	string	Risk decision: `CLEAR`, `LOW_RISK`, `MEDIUM_RISK`, or `HIGH_RISK`
`summary`	string	Summary of findings and risk assessment (max 300 chars)
`sources`	array	List of adverse media sources found (empty if CLEAR)
`entity_name`	string	Name of the analyzed entity
`entity_type`	string	Type of entity analyzed: `person`, `company`, or `website`
`country`	string	Country (if provided)
`age`	integer	Age (if provided, 0 otherwise)
`analysis_timestamp`	string	ISO 8601 timestamp of the analysis
`processing_time_ms`	integer	Total processing time in milliseconds

Source Fields

Each source includes:

Field	Type	Description
`id`	integer	Unique source identifier (1-indexed)
`title`	string	Title of the source/article (max 100 chars)
`url`	string	URL to the source
`summary`	string	Summary explaining why this source is adverse (max 200 chars)

Decision Values

Decision	Score Range	Description
`CLEAR`	0-20	No significant adverse media found
`LOW_RISK`	21-40	Minor adverse findings
`MEDIUM_RISK`	41-70	Moderate adverse findings requiring review
`HIGH_RISK`	71-100	Significant adverse findings, strong risk indicators

Clear Response (No Adverse Media)

{
  "final_risk_score": 5,
  "decision": "CLEAR",
  "summary": "No significant adverse media findings identified for this entity.",
  "sources": [],
  "entity_name": "John Doe",
  "entity_type": "person",
  "country": "US",
  "age": 45,
  "analysis_timestamp": "2024-11-22T10:30:00Z",
  "processing_time_ms": 5600
}

Website Analysis Response

{
  "final_risk_score": 65,
  "decision": "MEDIUM_RISK",
  "summary": "Multiple fraud reports and consumer complaints found for this website. Users report non-delivery of orders and poor customer service.",
  "sources": [
    {
      "id": 2,
      "title": "Scam Alert: example-shop.com Reviews",
      "url": "https://trustpilot.com/review/example-shop.com",
      "summary": "Multiple users report fraudulent charges and non-delivery of products..."
    },
    {
      "id": 5,
      "title": "BBB Complaints for Example Shop",
      "url": "https://bbb.org/example-shop",
      "summary": "37 complaints filed in the last 12 months regarding refund issues..."
    }
  ],
  "entity_name": "example-shop.com",
  "entity_type": "website",
  "country": "",
  "age": 0,
  "analysis_timestamp": "2024-11-22T10:30:00Z",
  "processing_time_ms": 5200
}

Error Responses

400 Bad Request - Missing Name

{
  "error": "Validation error: 'name' parameter is required"
}

400 Bad Request - Invalid Entity Type

{
  "error": "Validation error: 'entity_type' must be one of ['person', 'company', 'website']"
}

500 Internal Server Error - Configuration Error

{
  "error": "Configuration error: TAVILY_API_KEY not set"
}

500 Internal Server Error - Analysis Failed

{
  "error": "Internal error: Failed to analyze adverse media: LLM analysis timed out after 10 seconds"
}

Status Codes

Code	Description
200	Success - Analysis completed
400	Bad Request - Invalid parameters
401	Unauthorized - Missing or invalid token
403	Forbidden - Insufficient permissions
500	Internal Server Error

Usage Examples

Python Example

import requests

token = "YOUR_TOKEN"

# Analyze a person
response = requests.post(
    "https://stg.kyc.legaltalent.ai/kyc/adverse-media",
    headers={
        "Authorization": f"Bearer {token}",
        "Content-Type": "application/json"
    },
    json={
        "name": "John Doe",
        "entity_type": "person",
        "country": "US",
        "age": 45,
        "additional_info": "CEO of Tech Corp"
    }
)

if response.status_code == 200:
    data = response.json()
    print(f"Risk Score: {data['final_risk_score']}")
    print(f"Decision: {data['decision']}")
    print(f"Summary: {data['summary']}")
    
    if data['sources']:
        print(f"\nFound {len(data['sources'])} adverse sources:")
        for source in data['sources']:
            print(f"- [{source['id']}] {source['title']}: {source['url']}")
else:
    print(f"Error: {response.json()}")

Python - Website Analysis

import requests

token = "YOUR_TOKEN"

# Analyze a website
response = requests.post(
    "https://stg.kyc.legaltalent.ai/kyc/adverse-media",
    headers={
        "Authorization": f"Bearer {token}",
        "Content-Type": "application/json"
    },
    json={
        "name": "suspicious-shop.com",
        "entity_type": "website",
        "additional_info": "E-commerce site selling electronics"
    }
)

if response.status_code == 200:
    data = response.json()
    print(f"Website: {data['entity_name']}")
    print(f"Risk Score: {data['final_risk_score']}")
    print(f"Decision: {data['decision']}")
    print(f"Summary: {data['summary']}")
else:
    print(f"Error: {response.json()}")

JavaScript Example

const token = "YOUR_TOKEN";

async function checkAdverseMedia(name, entityType = "person", options = {}) {
  const response = await fetch(
    "https://stg.kyc.legaltalent.ai/kyc/adverse-media",
    {
      method: "POST",
      headers: {
        "Authorization": `Bearer ${token}`,
        "Content-Type": "application/json"
      },
      body: JSON.stringify({
        name: name,
        entity_type: entityType,
        country: options.country,
        age: options.age,
        additional_info: options.additionalInfo
      })
    }
  );
  
  const data = await response.json();
  
  if (response.ok) {
    console.log(`Entity: ${data.entity_name} (${data.entity_type})`);
    console.log(`Risk Score: ${data.final_risk_score}`);
    console.log(`Decision: ${data.decision}`);
    console.log(`Summary: ${data.summary}`);
    
    if (data.sources.length > 0) {
      console.log(`\nFound ${data.sources.length} adverse sources`);
      data.sources.forEach(source => {
        console.log(`- [${source.id}] ${source.title}: ${source.url}`);
      });
    }
    
    return data;
  } else {
    console.error("Error:", data.error);
    throw new Error(data.error);
  }
}

// Usage examples
await checkAdverseMedia("John Doe", "person", { country: "US", age: 45 });
await checkAdverseMedia("Tech Corp Inc", "company", { country: "US" });
await checkAdverseMedia("example-shop.com", "website");

Search Process

Person/Company Analysis

The adverse media check for persons and companies performs parallel searches across:

Fraud/Corruption/Sanctions: Financial crimes, corruption, sanctions, laundering
Criminal Records: Arrests, investigations, charges, convictions
Sanction Lists: OFAC, UN, designated persons, blacklists
Professional Validation: LinkedIn, professional profiles, company associations
General News: Recent news articles and media coverage

Website/Domain Analysis

For website analysis, specialized searches are performed:

Reputation & Reviews: User reviews, complaints, ratings
Fraud Reports: Scam reports, phishing alerts, fake site warnings
Security Issues: Data breaches, vulnerabilities, malware reports
Blacklists: Domain blacklists, spam lists, unsafe site flags
Consumer Complaints: Trustpilot, BBB, consumer complaint databases

Results are then analyzed by an LLM to:

Filter false positives
Evaluate relevance to the specific entity
Assess risk factors
Generate concise summaries

Provider Options

AWS Bedrock (Default)

Provider: "bedrock"
Model: Claude 3.5 Haiku (with fallback to Claude 3 Haiku)
Use Case: Production deployments on AWS, no API key required (uses IAM role)

OpenAI

Provider: "openai"
Model: Specify model (default: "gpt-4o-mini")
Use Case: High-precision analysis, specific model requirements

Performance

Typical Response Time: 5-10 seconds
Timeout: 10 seconds per LLM call
Retries: Automatic retries on timeout (up to 3 attempts)
Search Sources: Up to 15 sources analyzed per request
LLM Analysis: Includes timeout protection and error handling

Integration Tips

Combine with Watchlist Checks: Use adverse media as a supplement to traditional watchlist checks
Use Context: Provide country, age, and additional info to improve accuracy
Choose the Right Entity Type: Use website for domain reputation checks, company for organizational analysis
Handle Timeouts: Implement retry logic for production use
Review Scores: Risk scores should be reviewed by compliance teams, not automated
Source Verification: Always verify adverse sources before making decisions

Best Practices

Use adverse media checks for:
- Enhanced due diligence on individuals
- Company/organization risk assessment
- Website reputation verification before partnerships
- Ongoing monitoring
- Risk assessment for high-value relationships
- Compliance investigations
Entity Type Selection:
- Use person for individual background checks
- Use company for corporate due diligence
- Use website for merchant/partner website verification
Combine with traditional watchlist checks for comprehensive risk screening
Review summary for human-readable assessment
Check sources URLs to verify findings
Use risk scores as indicators, not definitive decisions

List Check Web Validation

​Endpoint

​Authentication

​Description

​Entity Types

​Request Body Parameters

​Request Example

​Additional Request Examples

​Person with Context

​Company Analysis

​Website/Domain Analysis

​Using OpenAI Provider

​Response Format

​Success Response

​Response Fields

​Source Fields

​Decision Values

​Clear Response (No Adverse Media)

​Website Analysis Response

​Error Responses

​400 Bad Request - Missing Name

​400 Bad Request - Invalid Entity Type

​500 Internal Server Error - Configuration Error

​500 Internal Server Error - Analysis Failed

​Status Codes

​Usage Examples

​Python Example

​Python - Website Analysis

​JavaScript Example

​Search Process

​Person/Company Analysis

​Website/Domain Analysis

​Provider Options

​AWS Bedrock (Default)

​OpenAI

​Performance

​Integration Tips

​Best Practices

Endpoint

Authentication

Description

Entity Types

Request Body Parameters

Request Example

Additional Request Examples

Person with Context

Company Analysis

Website/Domain Analysis

Using OpenAI Provider

Response Format

Success Response

Response Fields

Source Fields

Decision Values

Clear Response (No Adverse Media)

Website Analysis Response

Error Responses

400 Bad Request - Missing Name

400 Bad Request - Invalid Entity Type

500 Internal Server Error - Configuration Error

500 Internal Server Error - Analysis Failed

Status Codes

Usage Examples

Python Example

Python - Website Analysis

JavaScript Example

Search Process

Person/Company Analysis

Website/Domain Analysis

Provider Options

AWS Bedrock (Default)

OpenAI

Performance

Integration Tips

Best Practices