Customer Due Diligence (“CDD”) AML Project 1st October 2019 seeking up to date proof of identification (“ID”) some FAQ’s….
Did this notification (email/text) come from GCU?
Yes. GCU is using the ID Pal App to update members ID, and you may have received either a text message or an email about this.
ID Pal is a simple, secure and convenient way to verify the identity of members in order to comply with Anti Money Laundering regulations.
The digital solution streamlines the ID process by providing a mobile app for members to upload their ID to save them the time and effort of having to bring their ID into the office.
Is ID Pal App secure?
Yes. ID Pal is a safe and secure way of providing your ID to GCU.
How does ID Pal work?
You must click on the link provided, and this will download the app onto your phone or computer. You then go into the app and complete the following:
- Take a picture of your photo ID
- Take a picture of your proof of address
- Take a picture of yourself
Why do I have to take a picture of myself?
This is so that ID Pal can verify that your photo ID is genuine.
Will ID Pal then have a copy of my photo ID and proof of address?
No. Once GCU have received the photo ID and proof of address through ID Pal, these records will then be deleted from ID Pal in line with their retention policy.
Why is GCU requesting this information?
Under legislation (“The Criminal Justice Act 2010”) GCU is obliged to seek proof of current identification from its members in the form of Passport, Drivers Licence, ML10 form (gardaí reluctant to complete) or Age Card issued by Gardaí.
I am a member for years and well known to staff, why are you requesting this now?
Under legislation being well know to the GCU staff is not sufficient proof of identity – it is a legal requirement that GCU need to seek to have a copy of your proof of ID on file.
What is valid ID?
- Drivers Licence;
- ML10 form signed off by Gardaí (need a passport photo);
- Age Card (issued by Gardaí).
Why can’t you accept Public Services card (“PSC”)?
This is not a National Identification Card and is not meant to be used as such. Its purpose is for claiming benefits from the Department of Employment Affairs and Social Protection. It does not have a Date of Birth field and cannot be used as an identification card.
What if I don’t/can’t provide ID?
If you do not have proof of ID in the form of a driver’s license, passport or age card, then you should go to the Gardai and get an ML10 form completed. This is where the Gardai confirm your identity.
If members do not provide us with any proof of ID, their ability to complete future transactions may be affected. This is not something the CU want to do, but it is a requirement that we seek to have evidence of the identity of all members on file.