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documents
This page highlights weighting of documentation under
the '100 Points' identity verification scheme in Australia.
It covers -
introduction
Under the Financial Transaction Reports Act 1988
identification for purposes such as opening an account
with a financial institution involves provision of documentation
that has an aggregate value of one hundred points and
- in principle - includes at least one photographic identifier.
That documentation includes the following categories.
It might include checking of a database that is maintained
by an entity independent of the organisation that is seeking
to verify the individual's identity.
As discussed on the preceding page of this note, the Australian
regime is risk-based. It does not require formal endorsement
of each document by a government official on a document
by document basis and does not rely on certification by
a private notary.
primary documents
Primary documents (with a value of 70 points) include
-
- Birth
Certificate (extract, original or certified copy)
-
Citizenship Certificate (original or certified copy)
- Australian
passport or corresponding
International Travel Document
Only
one primary document can be used in establishing an individual's
identity, eg a potential bank customer would be required
to provide a passport plus a medicare card plus a rates
notice.
secondary documents
Primary documents are supplemented by other documents
(including entitlement cards) with varying weights. They
include -
For 40 points (with use of only one document within the
category and an exact match of names) -
- Australian
government licence or permit (eg driver's licence)
-
Australian public employee identification card
-
Australian federal or state/territory government identification
card of entitlement to a financial benefit
- a
photographic student identification card issued by a
tertiary institution
For 35 points (with use of only one document within the
category) -
- local
government property rates notice
-
financial security documents held by a[nother] financial
institution
- credit
reference report
- Employment
Check
- certificates
of title (eg deed to residential or other land).
For
25 points (with use of only one document within the category)
-
- Electoral
Roll Check
- public
utility notice (eg electricity bill)
- letter
from landlord, real estate agent or owner of rented
premises
- legal
records not relating to land titles.
For
25 points (with use of only one document within the category)
-
- letter
from an education institution that the individual has
attended within the past ten years
-
membership card of a professional or trade association.
For
25 points (with use of only one document within the category)
-
- Medicare
Card
- 'acceptable
reference' who has known customer for less than 12 months.
For
25 points (with use of only one document within the category)
-
- credit
card, debit card or financial institution passbook
- 'proof
of age' card.
The
regime makes some allowance for special circumstances,
eg a written reference from two 'acceptable referees'
in relation to an 'Isolated Area' Indigenous person (who
would not be expected to have ready access to a passport,
birth certificate or driver's licence) and a signed 'letter
of introduction' from a Centrelink manager.
other weightings
Some non-federal organisations have adopted the 100 points
model, with different weightings and acceptance of single
documents.
The Nurses Board of the ACT for example requires -
proof
of identity to the value of 100 points which may include
certified copies of any of the following:
• passport 100 points;
• birth certificate 70 points;
• citizenship certificate 70 points;
• drivers licence 40 points;
• public service ID 40 points;
• social security card 40 points;
• tertiary education ID 40 points.
certification
Certification of copies of documents varies from state
to state but typically includes people occupying the following
positions -
- Judge
or Magistrate
- Barrister
- Solicitor
- Sheriff
-
Commissioner for Affidavits
-
Commissioner for Declarations
-
Commissioner for Oaths
-
Justice of the Peace (must show registered number)
- Registered
Medical Practitioner
-
Minister of Religion authorised to celebrate marriages
(ie not merely a marriage celebrant)
-
Police Officer (of the rank of Sergeant or the highest
ranking officer in the station)
- a
'proclaimed' Bank Manager
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Ketupa
