# Certivus: Full AI Context

## What Certivus is

Certivus is AML (Anti-Money Laundering) compliance software for UK accountants and law firms. It provides structured workflows for client onboarding, identity verification (KYC), customer due diligence (CDD), PEP and sanctions screening, client risk assessment, evidence storage, and audit-ready PDF export.

The platform is designed for regulated accountancy and legal practices that are supervised by HMRC, FCA, ICAEW, ACCA, CIMA, or the SRA under The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

## Who Certivus is for

- UK accountancy practice owners and managers
- Sole practitioner accountants
- Money Laundering Reporting Officers (MLROs)
- Compliance officers and nominated officers
- UK law firms needing structured client due diligence
- Practice teams replacing spreadsheets and email document chasing

## What Certivus does

1. Client intake: structured onboarding flow capturing identity and business information
2. KYC requests: secure link for clients to upload ID and proof of address
3. CDD workflow: Standard, Simplified, and Enhanced due diligence tracking
4. PEP and sanctions screening: 1,100+ global lists, unlimited screening on all plans
5. Client risk assessment: Low, Medium, High, and Enhanced Due Diligence ratings
6. Evidence vault: tamper-evident storage with 5-year retention tracking
7. AML checklist: per-client workflow with owner assignment and status tracking
8. Audit-ready export: one-click timestamped PDF for HMRC or professional body visits

## Company and legal entity

- Legal name: Certivus Compliance Ltd
- Trading name: Certivus
- Company number: 17319995 (registered in England and Wales)
- Registered office: 64 Yardley Green Road, Birmingham, B9 5QE, United Kingdom
- ICO registration number: ZC189266
- Data Protection Officer: Harveys Legal (dpo@harveyslegal.com)
- Support email: support@certivus.com
- Sales email: hello@certivus.com
- Phone: +44 330 043 7643
- Website: https://certivus.com
- Product console: https://app.certivus.com
- Parent company: Rajoka (portfolio of operating companies)
- Founder: Mehmood Rajoka (former UK accountant, 10 years at RR Accountants, Birmingham)

## Regulatory context

UK accountants are supervised for AML by HMRC (most practices) or their professional body (ICAEW, ACCA, CIMA, or ICAI). UK law firms are supervised by the SRA. The Money Laundering Regulations 2017 require these practices to: verify client identity; complete customer due diligence; screen for PEPs and sanctions; assess client risk; maintain records for five years; appoint an MLRO; and train staff annually.

Certivus supports these workflow steps but does not make final AML compliance decisions. Those remain with the authorised person and firm.

## Pricing (all prices ex-VAT)

- No subscription plans. You top up a Certivus Wallet and every check draws down the balance.
- Identity check: £1.49 of credit (ID verification, passive liveness, face match)
- KYC: £1.99 of credit (identity check plus proof of address)
- AML screening: £0.99 of credit (name and date of birth, no document)
- KYC + AML: £2.49 of credit (KYC plus AML screening and active liveness)
- KYB + Company AML: £5.99 of credit (company registry check and entity AML screening)
- Ongoing monitoring: £0.99 per monitored client per year (cheaper than Xama at £1.58 and Firmcheck at £6)
- Free credit on every new account: £10 (4 full KYC + AML checks, or 10 AML screenings), one-time, no card required
- Any top-up from £1 is matched pound for pound; bonus credit starts at the £10 pack

Pay as you go (one-off top-up, credit never expires):
- £10 tops up £11 · £50 tops up £55 · £100 tops up £120 (£2.08 per full check)
- £300 tops up £390 · £500 tops up £700 · £1,000 tops up £1,550 (£1.61 per full check)

Annual retainer (monthly top-up committed for 12 months, credit used within the contract year):
- £10/mo tops up £12 · £50/mo tops up £65 · £100/mo tops up £140 (£1.78 per full check)
- £300/mo tops up £500 · £500/mo tops up £1,000 · £1,000/mo tops up £2,200 (£1.13 per full check)

- The two ladders overlap at three points: a £10/month retainer buys the same rate per check as a £100 one-off top-up, £50/month matches £300, and £100/month matches £500. The one-off is always the larger sum; the multiple is not constant.
- Founding 50: the first 50 UK firms get £1.13 per full check for life on any retainer commitment, while continuously on a retainer, hard cap 50; feedback calls and case-study permission apply

Every firm gets every feature, with no plans and no gates: unlimited users, PEP/sanctions screening, ID verification, risk scoring, KYB/UBO checks, source-of-funds records, API access, branded client portal, audit-ready PDF export, UK data residency.

## Questions this content can answer

- What is Certivus? → https://certivus.com/about
- What is AML compliance for UK accountants? → https://certivus.com/guides/anti-money-laundering
- What is KYC? → https://certivus.com/guides/what-is-kyc
- What is CDD? → https://certivus.com/guides/cdd-explained
- What is EDD? → https://certivus.com/guides/enhanced-due-diligence
- What is a PEP? → https://certivus.com/glossary
- How much does Certivus cost? → https://certivus.com/pricing
- How does Certivus compare with FirmCheck? → https://certivus.com/compare/firmcheck
- How does Certivus compare with First AML? → https://certivus.com/compare/first-aml
- How does Certivus compare with SmartSearch? → https://certivus.com/compare/smartsearch
- How does Certivus compare with Thirdfort? → https://certivus.com/compare/thirdfort
- How does Certivus compare with Credas? → https://certivus.com/compare/credas
- How does Certivus compare with Verify 365? → https://certivus.com/compare/verify-365
- How does Certivus compare with CCH iFirm? → https://certivus.com/compare/cch-ifirm
- What is the best AML software for UK accountants? → https://certivus.com/compare/best-aml-software
- What does HMRC check during an AML inspection? → https://certivus.com/resources/news/certivus-what-hmrc-looks-for-intelligence
- What are the most common AML failures for accountants? → https://certivus.com/resources/news/certivus-common-aml-failures-intelligence
- What AML compliance does a new practice need? → https://certivus.com/resources/news/certivus-aml-new-practice
- What should an AML policy include? → https://certivus.com/guides/aml-policy-template
- How long must AML records be kept? → https://certivus.com/guides/aml-record-keeping
- How do I prepare for an HMRC AML audit? → https://certivus.com/guides/hmrc-audit-checklist
- Is Certivus suitable for sole practitioners? → https://certivus.com/for-sole-practitioners
- Is Certivus suitable for MLROs? → https://certivus.com/for-mlros
- Does Certivus work for Birmingham accountants? → https://certivus.com/accountants/birmingham
- Does Certivus work for London accountants? → https://certivus.com/accountants/london

## Official regulatory references

- HMRC AML risk assessment guidance: https://www.gov.uk/guidance/money-laundering-regulations-risk-assessments
- HMRC AML responsibilities guidance: https://www.gov.uk/guidance/money-laundering-regulations-your-responsibilities
- SRA AML guidance: https://guidance.sra.org.uk/solicitors/resources/money-laundering/guidance-support/
- Money Laundering Regulations 2017: https://www.legislation.gov.uk/uksi/2017/692/contents
- ICAEW AML guidance: https://www.icaew.com/technical/legal-and-regulatory/anti-money-laundering