In Australia, a bankruptcy check is a search of the National Personal Insolvency Index (NPII) to identify whether an individual has been declared bankrupt or is subject to other personal insolvency proceedings. The report includes details such as the type of insolvency, dates, and any related restrictions.

Bankruptcy checks are often required for roles involving financial responsibility or positions regulated under licences like an AFSL, where financial integrity is critical.

Bankruptcy checks via CheckWorkRights are required to be conducted alongside a police check to ensure the identity of the individual.

CheckWorkRights delivers automated bankruptcy and police checks in partnership with National Crime Check (NCC). NCC is an Australian Criminal Intelligence Commission (ACIC) Accredited agency that performs hundreds of thousands of confidential checks each year for Australians. If you have any questions about NCC, please visit this page or email [email protected].

With CheckWorkRights, users can have full visibility over bankruptcy checks from start to finish, including status updates on employee progress, NCC progress and document verification progress to ensure a high level of visibility and reduced time to hire.

Using our MyCheck employee document collection workflow, it's easy to initiate bankruptcy checks as part of police checks for employees, verify the results, and create an audit trail.

Once you have created an employee record in CheckWorkRights, you'll be shown their profile where you can request multiple checks.

Once the police check is enabled with the bankruptcy add-on, you can send the employee an email to their MyCheck Dashboard where they can begin the police check and bankruptcy check processes.

Once the employee submits all documents and NCC returns check results, a designated verifier is notified by email. They are to review the returned checks against the name of the employee and accept or reject the document based on the result that has been provided.

After the results have been verified, CheckWorkRights deletes the police check and bankruptcy check documents for security and privacy purposes, but retains evidence of the checks against the employee's record. This is available in their employee record and in reports available on the CheckWorkRights dashboard.

From the employee profile, select Enable Employee Completion on the police check tile to start the police and bankruptcy check configuration process.

You'll need to enter a reason for police check (what job and role the employee will be performing), and a police check location (where they will be working and the nature of the site). You'll also see the option to conduct a bankruptcy check. Tick the box and confirm to begin both checks.

After enabling the checks you can send the employee an email immediately using the Send MyCheck Email button, otherwise the email will be issued automatically on a schedule until the employee completes the police check and bankruptcy check.

The employee will receive an email with a secure link requesting completion of their checks via the MyCheck Dashboard. The bankruptcy check is completed in conjunction with the police check.

The employee follows the link, gives consent for CheckWorkRights and their employer collecting and handling personal information, for the purpose of conducting employment-related checks.

They are then taken to the NCC portal to receive guidance on the identification documents they will need to provide. Once their identity is verified by NCC, their application is automatically submitted to ACIC for processing. Details on the steps involved in this process are outlined here.

As the employee progresses through the police checking and bankruptcy checking processes, the CheckWorkRights dashboard and employee profile will receive status updates from NCC. These will be logged in the Check History tab to give you an audit trail of your employers journey through the police check process. See status details for bankruptcy checks here.

If you require further information on the status of a check, please visit this page or email [email protected].

The police check result will be returned by NCC before the bankruptcy check commences to ensure the identity of the individual being checked. Once a bankruptcy result is returned, unlike the police check, bankruptcy checking does not require a follow up consent to share the result with CheckWorkRights or the employer. The results will be available in CheckWorkRights immediately.

Once CheckWorkRights receives the result, the designated verifier (line manager or HR manager as identified during account setup) will receive an email from CheckWorkRights to complete the verification process. Users can also visit the Document Verification area on the CheckWorkRights Dashboard or employee profile to locate the employee's evidence.

The verifier views each returned document, confirms that the document matches the employee's name and can Accept or Reject the result based on the information present.

After a grace period, CheckWorkRights deletes the police check and bankruptcy check documents 7 days after they have been verified for security purposes and in accordance with the Australian Privacy Principles, but retains evidence of the check having taken place at a specific date and time, and the verifier's details.

This audit trail is available in their employee record and in reports available on the CheckWorkRights dashboard.

Along the bankruptcy check processes, CheckWorkRights will display one of the below statuses, giving you valuable insight into the check's progress and result. You can also view the statuses relating to police checks here.