Special Note for Mortgage Loan Originators (MLOs) from BankersOnline Guru John Burnett...
"Under the SAFE Act, Mortgage Loan Originators (MLOs) are required to submit fingerprints and agree to a criminal background check. That check would not, I believe, be as thorough as the upper-tier
Banker Background Check service. The SAFE Act
background check might not come back until after the MLO
has been registered and begun work. Having the Banker Background Check process
done in advance can help a financial institution avoid the embarrassment and hassle of having to "pull the ticket" of an MLO who is found to have had a conviction, etc., for dishonesty, breach of trust or money laundering."



Social Security Number Traces
(Address History Search)

Any effective, reliable, and FCRA-compliant criminal background check begins with a Social Security Number Trace. This information authenticates that the social security number provided by your applicant is associated with an individual of the same name and the approximate date of issue range aligns with your applicant's birth date. The address history corresponds with the areas of the country where your applicant has lived, worked, attended school, or spent other significant time.

The Social Security Number Trace is a crucial component of criminal history research as the address history is the roadmap used to select court jurisdictions that should be researched for criminal records. Additionally, it will provide any alias names that have been associated with that number. The same courts should be checked under all relevant and/or unique alias names.

Social Security Number Trace: The Misunderstood Path to Success



County Criminal Checks

County Criminal Records Checks consist of an on-site manual search of the superior, upper, lower, and/or municipal court records and are available in each of our nation's counties. Our network of professional court researchers covers all 3,500+ county court jurisdictions across the country, and will indicate if a subject has a felony, misdemeanor and sometimes infraction filing within the last seven years or longer if the record includes a legally reportable conviction. Completed reports consist of all available and legally reportable information; typically including date of arrest, date of filing, charges, level of charges, disposition date, final disposition of charges and any applicable sentence or penalty.




Federal Criminal Court Searches

Federal Criminal Court Searches identify criminal activity prosecuted through the federal court system. Criminal activity tried in Federal District Courts typically involves violations of the Constitution or federal law. These crimes may include tax evasion, embezzlement, bank robbery, kidnapping, mail fraud and other federal statute violations.

Federal criminal convictions do not appear in state or county felony and misdemeanor court record searches, therefore a federal district search is imperative if such records are needed. Each state is comprised of federal districts.

There are 94 federal judicial districts, including at least one district in each state, the District of Columbia and Puerto Rico. Three territories of the United States -- the Virgin Islands, Guam, and the Northern Mariana Islands -- have district courts that hear federal cases.

The United States district courts are the trial courts of the federal court system. Within limits set by Congress and the Constitution, the district courts have jurisdiction to hear nearly all categories of federal cases, including both civil and criminal matters.



Homeland Security Check

The EmployeeScreenIQ Homeland Security Check is an instant, inexpensive tool that mitigates foreseeable risk to your customers, employees and physical assets.

Understanding the search and its benefits

The Homeland Security Check is designed to cross reference your applicant's name against over 90 worldwide known terrorist and fugitive databases that include individuals, organizations and companies considered to be a threat to global and national security. The Homeland Security Check database is updated daily as the various lists are modified. This service is available to all EmployeeScreenIQ clients and will ensure compliance with the USA Patriot Act.

The data sources cross-referenced by the EmployeeScreenIQ Homeland Security Check include the following, in addition to several others:
  • Office of Foreign Assets Control (OFAC) List of Specially Designated Nationals (SDN) and Blocked Persons
  • Politically Exposed Persons List
  • FBI Most Wanted Terrorists List
  • FBI Top Ten Most Wanted List
  • U.S. Secret Service Most Wanted Fugitives
  • United Nations Consolidated Sanctions List
  • Interpol Most Wanted List
  • European Union Terrorist List
  • Royal Canadian Mounted Police Most Wanted
  • Australia Department of Foreign Affairs and Trade List
  • Russian Federal Fugitives
  • Scotland Yard's Most Wanted
  • World's Most Wanted Fugitives
According to a study commissioned by the U.S. Department of Homeland Security*, the following industries are considered to be those most targeted by terrorists:
  • Banking and Finance
  • Agriculture and Food
  • Water
  • Public Health and Healthcare
  • Emergency Services
  • Defense Industrial Base
  • Information Technology
  • Telecommunications
  • Energy
  • Transportation Systems
  • Chemical
  • Postal and Shipping
  • National Monuments and Icons
  • Dams
  • Nuclear Reactors, Materials and Waste
  • Government Facilities
* 2004 National Critical Infrastructure Protection Research and Development Plan



Financial Sanctions Check

Our Financial Sanctions Checks are commonly used in industries and positions involving financial dealings and search worldwide to check candidate names against known sanctions and restricted lists. This database includes over 100 data sources from U.S., foreign governments and international watch list data sources.



Pre-Employment Credit Reports

Pre-Employment Credit Reports are provided by one of the three nationwide credit bureaus. These reports offer insight into the applicant's reliability and a sense of their personal responsibility. Reports include derogatory credit information, public filings (bankruptcies, liens and judgments), account standing with creditors and previous address history.

Credit reports allow you to quickly verify and expand on information you receive from applicants. They reveal additional information that may require further review of the applicant and their history. And they provide credit information that would not be shared by applicants but may have an impact on job performance.

Credit Reports: A Window to the Soul?



Federal Bankruptcy Search

Federal bankruptcy records identify individuals that have filed for bankruptcy in the past or are currently involved in bankruptcy proceedings.



Education Verifications

Most organizations develop job responsibilities and compensation packages based on academic qualifications. An Education Verification confirms school(s) attended, diplomas, degrees & certificates awarded, dates of attendance, and additional information as available.

EmployeeScreenIQ Shares "Elementary" Facts About Education Falsification



Employment Verifications

Some candidates may be less than truthful about their employment history. Internal research shows this to be the number one discrepancy on resumes and job applications. Our background specialists verify the information on your applicant's resume. Dates of employment, starting and ending positions and salaries, reason for termination, and eligibility for re-hire are examples of the information employers are asked to verify. Additionally, if we are able to identify the name of your applicant's supervisor when working for that employer and contact information, we attempt to interview them to gain more personal knowledge of the applicant's skills and functionality in the workplace. An Employment Verification can differentiate honest mistakes from truly egregious attempts to further one's career through blatantly inflated claims of salary and responsibility, or even attempts to cover up significant gaps in employment which should otherwise be explained.

Employment Verifications: Less May No Longer Be More!



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