Golo Trauzettel presented on video identification procedures in Germany. Key points include: - Germany introduced video identification as a new regulatory approach for online business through BaFin Circulars 1/2014 and 3/2017. - The identification procedure has six cornerstones, including using trained employees, technical requirements for encrypted video chats, permitted identity documents, verifying the document features and matching to the customer, and using a TAN transmitted during the video chat. - Potential threats like manipulation of the person, document, or video stream are addressed with responses like checking image quality, document security features, and requiring customer movements. - International contexts in Switzerland, Austria, Liechtenstein and

1. Video Identification
Golo Trauzettel, Director
Federal Financial Supervisory Authority, Germany

2. Intention
23 February 2018 FATF Plenary 21-23 February 2018, Paris 2
Online Business
High Standard of Document
based Identification
Digitisation
New Regulatory Approach:
Video Identification
Maximum IT - Security

3. History
 BaFin Circular 1/2014 of 05 March 2014
 Updated BaFin Circular 3/2017 of 10 April 2017
 Entered into force on 15 June 2017
 Evaluation in case of security incidents
 Evaluation at the latest June 2020
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4. The Principle
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5. Cornerstones of Procedure 1-3
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Trained
Employees
• Annually
• No sub-
delegation
Technical /
Organisational
Requirements
• End-to-end
encrypted
video chat
• Etc.
Identity
Documents
permitted
• Security
Features
• Machine-
readable zone

6. Cornerstones of Procedure 4-6
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Verification of
identity
document
• Check optical
security
features [3 fea-
tures randomly
selected]
• Etc.
Verification of
the customer
• Match photo-
graph + data /
customer
• Psychological
questions +
observations
TAN
• Customer
enters TAN
transmitted
during video-
chat

7. Threat I > Response
k
Adequate image quality
Screenshots of document
Psychological questions
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Manipulation of Person to be identified

8. Threat II > Response
k
Optical security features of document
Formal features of document
Document undamaged / no affixed photo
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Manipulation of Document

9. Threat III > Response
k
Movements of customer on order (place finger
on document; move hand across face etc.)
No artefacts-check at transition points based
on scene stills
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Manipulation of Picture or Video-Stream

10. International Context
 Switzerland: FINMA Circular 2016/7
„Video- and online Identification“
 Austria: § 6 Abs. 4 Nr. 1 Finanzmarkt-
Geldwäschegesetz of 28 June 2017 [+ FMA-VO vom
03.01.2017]
 Liechtenstein: Wegleitung of 21 June 2016
 Luxembourg: CSSF-Merkblatt of 08 April 2016
23 February 2018 FATF Plenary 21-23 February 2018, Paris 10

11. Many thanks for you attention!
23 February 2018
Contact:
RD Golo Trauzettel
Federal Financial Supervisory
Authority (BaFin) Germany,
AML Department
Tel. +49 (0)228 / 41 08-30 13
golo.trauzettel@bafin.de
FATF Plenary 21-23 February 2018, Paris 11
Circular 3/2017,
english version, website BaFin:
https://www.bafin.de/SharedDocs/
Veroeffentlichungen/EN/Rundschrei
ben/2017/rs_1703_gw_videoident_
en.html