How casinos check high rollers
Introduction
Online casinos are required to screen high-stakes gamblers - "high rollers" - especially carefully to comply with AML/KYC requirements and guard against fraud and money laundering. Verification goes through several stages, includes document collection and continuous monitoring of transactions and behavior.
1. Base KYC at registration
1. Collection of personal data
Full name, date of birth, address, phone number, email.
Automatic format validation and validation via API (e.g. GBG, Trulioo).
2. Check against international lists
OFAC, EU Sanctions, UN, Dow Jones, Interpol.
If you get into the sanctions list - refusal to register.
2. Enhanced Rate Verification ≥ $100
1. ID documents
Passport or driver's license: scan/photo pages with photos and personal data.
Technical requirements: color photo, whole edges, readable barcodes.
2. Proof of Address
Utility bill, bank statement or tax notice for the last 3-6 months.
3. Photo "selfie" with the document
Comparison of a player's face with a photo in an ID document through fintech face recognition modules (FaceTec, Jumio).
3. Source of Funds
1. With turnover and wins above thresholds
The casino requests bank statements, income contracts, tax returns.
Three-level scheme:
2. Transparency assessment
Automatic scoring according to FATF rules and internal AML policies.
Generating reports for compliance officer.
4. Technical monitoring methods
1. Device Fingerprinting
Collecting device model, OS, browser, plugin list, screen resolution.
Search for anomalies: changing devices without warning, using emulators.
2. IP analysis and geolocation
Mapping IP to the declared address.
VPN, proxy and Tor detection; suspicious connections require additional verification.
3. Behavioral Analytics
Tracking the speed of clicks, patterns of games, time between backs.
Machine learning models reveal bots and session anomalies.
5. AML transaction monitoring
1. Volume and speed tracking
Triggers when daily or weekly deposit/withdrawal limits are exceeded.
2. Pattern Recognition
Definition of "structured" deposits (many small transfers) to bypass thresholds.
3. Risk scoring systems
Each transaction receives a risk score; when the threshold is exceeded, a manual compliance check is launched by the officer.
6. Continuous revision and recertification
1. Periodic updates
Re-checking documents every 12-24 months or when changing the player's profile (change of country, residence).
2. Event checks
When displaying winnings above the agreed limit (for example, $50,000) - re-verification of Source of Funds.
3. Audit and reporting
Maintain audit trail and results for regulators.
Suspicious Transaction Reports (SAR) to FIU for GDPR and local law requirements.
7. Player interaction and data protection
1. Transparency of the process
Clear instructions in your personal account and support.
Notifications about the status of the check and the reasons for delays.
2. Personal data protection
Storage encryption (AES-256), access only by compliance officers.
Retention policy: Delete copies of documents after 5-7 years of transaction history.
Conclusion
Verification of high rollers is a set of strict procedures: from basic KYC and ID verification to advanced AML transaction monitoring and behavioral analysis. Compliance with these standards protects casinos from the risks of money laundering and fraud, and players are guaranteed fair and safe play at bets from $100 and above.
Online casinos are required to screen high-stakes gamblers - "high rollers" - especially carefully to comply with AML/KYC requirements and guard against fraud and money laundering. Verification goes through several stages, includes document collection and continuous monitoring of transactions and behavior.
1. Base KYC at registration
1. Collection of personal data
Full name, date of birth, address, phone number, email.
Automatic format validation and validation via API (e.g. GBG, Trulioo).
2. Check against international lists
OFAC, EU Sanctions, UN, Dow Jones, Interpol.
If you get into the sanctions list - refusal to register.
2. Enhanced Rate Verification ≥ $100
1. ID documents
Passport or driver's license: scan/photo pages with photos and personal data.
Technical requirements: color photo, whole edges, readable barcodes.
2. Proof of Address
Utility bill, bank statement or tax notice for the last 3-6 months.
3. Photo "selfie" with the document
Comparison of a player's face with a photo in an ID document through fintech face recognition modules (FaceTec, Jumio).
3. Source of Funds
1. With turnover and wins above thresholds
The casino requests bank statements, income contracts, tax returns.
Three-level scheme:
- Up to $10,000 - undocumented declaration.
- $10,000- $100,000 - bank statement.
- Over $100,000 - additional 2-NDFL certificate/tax return.
2. Transparency assessment
Automatic scoring according to FATF rules and internal AML policies.
Generating reports for compliance officer.
4. Technical monitoring methods
1. Device Fingerprinting
Collecting device model, OS, browser, plugin list, screen resolution.
Search for anomalies: changing devices without warning, using emulators.
2. IP analysis and geolocation
Mapping IP to the declared address.
VPN, proxy and Tor detection; suspicious connections require additional verification.
3. Behavioral Analytics
Tracking the speed of clicks, patterns of games, time between backs.
Machine learning models reveal bots and session anomalies.
5. AML transaction monitoring
1. Volume and speed tracking
Triggers when daily or weekly deposit/withdrawal limits are exceeded.
2. Pattern Recognition
Definition of "structured" deposits (many small transfers) to bypass thresholds.
3. Risk scoring systems
Each transaction receives a risk score; when the threshold is exceeded, a manual compliance check is launched by the officer.
6. Continuous revision and recertification
1. Periodic updates
Re-checking documents every 12-24 months or when changing the player's profile (change of country, residence).
2. Event checks
When displaying winnings above the agreed limit (for example, $50,000) - re-verification of Source of Funds.
3. Audit and reporting
Maintain audit trail and results for regulators.
Suspicious Transaction Reports (SAR) to FIU for GDPR and local law requirements.
7. Player interaction and data protection
1. Transparency of the process
Clear instructions in your personal account and support.
Notifications about the status of the check and the reasons for delays.
2. Personal data protection
Storage encryption (AES-256), access only by compliance officers.
Retention policy: Delete copies of documents after 5-7 years of transaction history.
Conclusion
Verification of high rollers is a set of strict procedures: from basic KYC and ID verification to advanced AML transaction monitoring and behavioral analysis. Compliance with these standards protects casinos from the risks of money laundering and fraud, and players are guaranteed fair and safe play at bets from $100 and above.
