What is an Authorised Representative?

  • Identity & compliance
  • Business identity & verification
  • 4 min read

The short answer

An authorised representative is a person permitted to act for a business within a defined scope of authority.

Authorised Representative: why it matters

An onboarding or review decision can contain several different questions. Keeping this concept distinct helps the team assign the right evidence and decision owner, rather than rely on a single completed status.

How to assess it in practice

Check the authority to sign or submit an application rather than inferring it from a company email address. Start by defining the question the team needs to answer. Identify the relevant record or evidence, check its scope and date, and retain the reasoning behind the result. If evidence conflicts, keep that conflict visible for review.

Worked example

Illustrative workflow: a team reviewing a business adds a separate check for authorised representative. The reviewer’s task is to check the authority to sign or submit an application rather than inferring it from a company email address. The outcome is recorded together with the supporting evidence; an unresolved question stays open rather than being converted into a positive result.

Illustrative scenario

A signatory can negotiate a contract but the mandate requires another officer to execute it. Record the scope and obtain the second approval.

Distinctions that matter

Authorised Representative belongs to the business identity & verification topic family. Read Know Your Business (KYB) alongside it to understand the adjacent question. Each page has its own intended scope; shared context does not make the concepts equivalent.

Evidence and review output

Review these

  • Entity and person identifiers
  • Source and document scope
  • Authority and unresolved discrepancies

The review should produce

A subject-level decision with each claim marked supported, contradicted or unresolved, plus the owner of any outstanding review.

Across this family

Start with the subject of each claim: legal entity, individual applicant or authorised actor. Keep identity evidence, representation and relationship approval as separate decisions. This prevents one technically successful lookup from being promoted into a broader conclusion it cannot support.

A note from practice

Authority can be limited by transaction type, amount, duration or joint-signature requirements. A director title or corporate email address is context, not a complete mandate for every action.

Limits and common mistakes

The practical boundary is important: Check the authority to sign or submit an application rather than inferring it from a company email address. Do not substitute a related label for this check or assume that missing information is a negative finding. Source-specific and jurisdiction-specific rules require their own review.

Frequently asked questions

Which evidence should I review?

For this topic, focus on entity and person identifiers, source and document scope, authority and unresolved discrepancies. The relevant source and dates should be retained with the finding.

How is Authorised Representative different from Know Your Business (KYB)?

Know Your Business is the process of establishing the identity of a business, understanding who owns or controls it, and assessing whether a relationship presents unacceptable risk. A useful KYB record connects a legal entity to its registration evidence, ownership information and the decision made about it. Finding a company name is only the beginning: the record must belong to the business you intend to onboard. The distinction matters because the evidence needed for that concept may not resolve the question addressed on this page.

What should the result of the review contain?

A subject-level decision with each claim marked supported, contradicted or unresolved, plus the owner of any outstanding review. Preserve material conflicts instead of replacing them with an unexplained success flag.

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